The loan was taken out last year I thought they could sell it on but I’m still not sure if credit agreement I signed would stand up in court as they have admitted selling me this loan irresponsibly.

I had a loan with 118 , I made a irresponsible/ unaffordable lending complaint against them which they upheld and reduced the balance by taking the interest off. I paid two payments to them since as they requested and a balance of £650 still stands , today I have received a letter saying the debt has been bought by perch capital . Can they do this and is the credit agreement enforceable?

Many thanks will get on draughting defence now .

Just a update I had had both a reply from cca request and cpr31.14 request and would appreciate a little help and guidance on the next steps. The cca request was sent to Arrow Global Guernsey and received by them on the 11/04/2019 they have replied through a company called cap quest and sent the following The cpr31.14 request was received by there solicitors Drydens Fairfax on the 12/04/2019 . They seem to be pondering on the paperwork as requested and seem to be saying they agree to a 28 day extension which I do not recall asking for. As the claim was dated 1/04/ 2019 am I correct in thinking that my defence has to be submitted 33 days after this , or am I obliged to give these people more time to get hold of this paperwork. Many thanks Mrs rangy

Can not recall getting letter of assignment from Arrow they state 13may 2011.

Phoenix state (sdfs) and brian carter state ( Phoenix).

Hi there as far as I can gather it was shop direct I was paying through Phoenix recoveries although the account says it was assigned it also states that they were acting on their behalf (sdfs recoveries ) which is shop direct , somewhere along the line they sought the services of Brian carter the last payment we can recall paying them was on the 5/6/2013 But to throw another apple in the cart Arrow Global say they purchased the debt before that date on the 13/5/2011 I cannot recall any payments to Arrow Global not sure whether when it got assigned to them Brian carter passed payments on or not and we can’t recall why I stopped paying the debt . Many thanks.

Ok thanks all done and wait for replies thank you

Sorry got the date wrong the last payment was on the 5/6 2013 the payment was made by direct debit , The payment was made to a company called Brian carter , as far as I can remember this payment arrangement was set up with the company Phoenix recoveries the first company that the debt was assigned to .

Claimant - Arrow Global Guernset Limited Date of issue – 01 April 2019 Particulars of Claim What is the claim for – the reason they have issued the claim ? 1. The claim is for the sum of £892.42 in respect of monies owing by the defendant on a credit agreement held by the defendant with Shop Direct (Carval) upon which the defendant failed to maintain payments. 2 A default notice was served upon the defendant and has not been complied with. 3 The balance owed was assigned from Phoenix REcoveries (UK) to the claimant, and the defendant has been notified of the assignment by letter. What is the total value of the claim? £892 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue When did you enter into the original agreement before or after April 2007 ? Before April 2007 Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Second time it has been assigned. Were you aware the account had been assigned – did you receive a Notice of Assignment? Not the second time Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? What was the date of your last payment? 5/6 2013 Corrected Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No

Hi there new to this asking for some guidance concerning a county court claim I have received. The claim is dated the 1/4/2019 the claim is for the sum of £892 and the claimant is arrow global guernsey ltd using a company called Drydens ltd as their solicitors. The original debt was with shop direct ltd which assigned it to Phoenix recoveries Uk At this time I started to pay the debt by d/d to their solicitors Brian Carter the last payment made was on the 5/6/2013. It seems the debt has been purchased again from Phoenix arrow guernsey on the 13/5/2011. I have acknowledged the claim on the 8/4/2019 and now want some advice on what to send to these people to request certain documents which I believe they probably don’t have. I also am led to believe that there are certain time scales which I have to adhere to relating to these documents and the filling of my defence in the courts, hope someone on the forum can please help .Thank you Mrsrangy.