Jump to content
Twitter - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'

BJ6605

Registered Users

Change your profile picture
 View Profile  See their activity

  • Posts

    9

  • Joined

  • Last visited

Reputation

1 Neutral
  1. BJ6605
    Thanks Jon, for taking the time to call into an NI Court and post your findings here. Also, thanks Andy and dx100uk for your continued and helpful advice. Incidentally dx100uk, this was the only account with HBOS, there was no o/d or loan. Given that we think the chances of making a successful defence are minimal and the risks are high, my relative has decided against offering a defence. She has completed an I&E sheet clearly showing that she has minimal surplus income and made an offer of £10 per month and sent it to Shoosmiths. The ball is in their court now. They can accept the offer or follow through with the Civil Bill which, I would assume, they would win but, ultimately, they would not get their money any quicker as it simply is not there! Blood and a stone and all that. It's a pity really, as we'll never know how far Shoosmith would have proceeded had we called their bluff. Phishing on their part? I'll update this thread if/when we hear back from them. Thanks again guys.
  2. BJ6605
    Thanks Andy, that paints a rather bleak picture. Given what you have told us, my relative would not wish to have this hanging over her for several months with little likelihood of any defence being successful and the high risk of being liable for all costs. She has indicated to me that she would prefer to contact Shoosmith direct and try to negotiate some sort of repayment plan. In your opinion, would an offer of £20 per month be accepted on a £5k debt? Alternatively, what would be a realistic figure for a potential F&F settlement? I realise you are stabbing in the dark here but any advice would be appreciated.
  3. BJ6605
    Jon, thank you. Your help is really appreciated. We don't know where to start with this and any advice here is invaluable.
  4. BJ6605
    Thanks for your help guys. I will ensure the CCA Request is sent off tomorrow. Quick question....should it be send to the original lender, to Arrow or to Shoosmiths?
  5. BJ6605
    Thanks Jon, I will pass that info on. All that has been received, so far, is the letter from Shoosmith (post #1). I will ensure everything else is posted on this thread as and when it is received. Your help and advice is really appreciated.
  6. BJ6605
    Thank you for your replies, Andy and dx100uk. My relative contacted the original lender today and was informed that payments were made up until Oct 2014, via a DMP which subsequently failed. That obviously rules out using 'Statute barred' as a form of defence. She is worried as how this is likely to pan out from here. If it proceeds to court and a judgement is found in favour of Arrow, she will be unable to make payment in full and will struggle with monthly payments in excess of £20. What would be the best course of action at this point? She is considering contacting Shoosmiths directly, pleading her case, with an offer of £20 per month. Any advice?
  7. BJ6605
    Ok, thanks. She's just checked her Experian file and there is no record of the debt on there. Presumably she should ring the original lender to verify the date of last payment?
  8. BJ6605
    Thanks for your quick reply dx100uk. Just contacted my relative to find out the exact date of last payment, it as definitely in 2012 but unsure exactly when. I've asked her to check her credit file or ring the original lender. In your opinion is this letter a definite attempt to instigate legal proceedings or simply phishing due to rapidly approaching the 6 year point? What would be the best method on stalling any potential court action?
  9. BJ6605
    Hi, A relative has asked for help regarding a credit card debt - original lender HBOS for £5k - dating back to 2012. Last payment made was Nov 2012 and the debt has since been sold to Arrow Global Ltd last year, 2017. A letter arrived today from Shoosmiths (who I can see from other threads are the in- house solicitor for Arrow). I have attached a copy of that letter to this thread. I am trying to offer advice to my relative but I am not sure whether this letter is a legitimate and genuine threat of court action or simply Shoosmiths phishing, given that the debt is rapidly approaching the 6 year point and, presumably, being statute barred. Can anyone offer any advice on what steps, if any, my relative should take at this point? As at today she has made no contact with Shoosmiths, the Court named in the letter or the original lender although she is beside herself with worry over the issue. Any advice is appreciated. Should also mention...the relative lives in Northern Ireland and the letter refers to an 'Ordinary Civil Bill'. docs1.pdf

Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:- 923 Finchley Road
London NW11 7PE

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...