Dx you say kick arrows ? Surely I would claim back any PPI from halifax who I had the original debt with ? They never complies with SAR so I have no way if knowing if I ever actually paid PPI on this ? I have one statement from halifax in 2010 with no PPI but I have a vague feeling I had it and cancelled it later on ? Even tho this debt is old now and has fallen off my CRA would I run a risk of starting it all up again if I claimed PPI from halifax , bearing in mind Arrows owned the debt ?

Thanks Andy . Haven't a clue what I expected tbh . Far less if anything ? . I haven't worked it out I only have my phone as computer is in for repair but I will have a proper look later . The £2000 offer was for a cc that never exceeded £1500 as far as I remember and they have added 8% interest . I paid it for a few years . The loan I think was for no more than 2000 so to get almost that back is brilliant ! It says on both letters they will send a cheque within 28 days . There was something about paying it I to my existing account and some going to wards arrears if I have any so I think I'll call and just confirm payment will be made my cheque . I closed my account with them years ago but there was an overdraft from fees and they never chased me and it says settled on the CRA.Thanks for your reply btw .

Oh my goodness. I received two letters this morning. One for my old cc , it was years old and on CRA 1030 is marked a few years ago as settled as the debt was sold on . This is the one I am fighting in another thread as I'd like the default removed and they have lifted the stay so I have to fill in AQ . Today I got an offer of £1600 !! I knew I had PPI and when I asked a few years ago they denied it and slapped a default on my file . Also I had a small loan years ago, I think about 15 or more but I found the account number and knew I'd also paid PPI on this because it irritated me that I honestly didn't need it, I get full sick pay anyway . they have made me an offer of over £2000 ,,,, Omg I'm almost debt free !!!!! What a marvellous day . Thank you CAG I will make a donation when I get the cheques through ! Should I accept , I'm happy with it muchly . I have a bigger one to claim now .....

Would it be possible to get the original default lifted as part of mediation does anyone know . . They never came up with any documents to prove I actually owe the debt ? Thanks Andy Reading threads today .

Thanks Andy .will mediation mean I avoid a ccj ?

Bump anyone x

Grafter how did you get on ?

Update . letter received 14 th July notifying me o change of legal representative from moon beaver back to 1st credit . They never responded to my full defence or complied with any requests for paperwork . default was received in dec 2010 from 1st credit when the account was in dispute but I didn't keep the letters then. yesterday I received this : general directions order In the County Court Business Centre Claim no xxxxxxx Date 28th Sept 1st credit finance ( 1st claimant ref ) me ( 1st defendant ref ) Before the district judge xxxxxxxxx N orthampton The court will deal with the application to lift the stay without hearing under CPR 23.8 © It is ordered that : The application to lift the stay and for direction questionnaires to be issued is granted . then continues and says this order was made without a hearing and I may within 7 days of service of this order apply to the court to set aside or to vary the order ect ... 2nd page Application. Notice Claimant 1st Credit Defendant. Me Date 14th August 1. 1st Credit 2. Claimant 3. The claimant is seeking an order that any stay in these proceedings be lifted and that directions questionnaires be issued 4 Have you attached a draft order. NO 5 how do you want this application dealt with. WITHOUT A HEARING 6 how long 5mins 7 details of any fixed trial period. 8 what level of judge. District or deputy district 9 Who should be served BLANK 9a pls give service address. BLANK 10 What info will you be relying on. , the evidence set out below The claimant herein is a company that commences numerous cases in the bulk centre and utilises outside solicitors to do so on their behalf. The claimants own in house legal division will assume carriage of those claims where a part admission is rejected or where a defence is filed. In this matter the date by which the proceed notification was required was not picked up on transfer to this office and the file proceeded to a notice of change of legal representative when the claim was already stayed. The claimant would forego its claim in respect of interest for the period from stay to removal of stay so as to avoid any additional prejudice to the defendant. Statement of truth signed Next page Notice of proposed allocation TAKE NOTICE THAT 1 This is now a defended claim. the defendant has filed a defence ( a copy of which is enclosed IS CROSSED OU ) 2 it appears that the case is suitable for allocation to small claims track. 3 You must by 15th cot complete the small claims dir questionnaire and file it with the court office. And serve copies on all other parties. NEXT PAGE DIRECTIONS QUESTIONNAIRE A SETTLEMENT/ mediation. B YOUR CONTACT DETAILS ECT I would really appreciate some advice . My ABSOLUTE PRIORITY is to try my utmost not to get a CCJ MY dream would be to have the default removed in 2010 as it will be the only thing on my credit file that is adverse hopefully next year . I have put in a claim for PPI with the original creditor lloyds when I found the original cc agreement with a definate NO ticked next to PPI and a statement taking PPI out ! The date of 14 the aug when they applied to lift the stay was before my claim with Lloyds so that didn't encourage them to lift the stay they probably don't even know . Many thanks for reading x

They keep calling me but I hate talking on the phone so I have to or will they write to me

Thanks Andy . I've filled in what I can and off to post . the best bit is I found the original signed agreement where I clearly ticked NO to PPI which is clearly taken out every month !!

Thanks. Well the first question is they ask if at the time I had any health problems. well I did but no one asked me when I took out the loan and yes I did need an operation . If I disclose this now would it jeopardise any claim ?

I wrote to lloyds and asked for details of any accounts I had with them over the years with PPI as I was sure I had some . They have sent me two forms and two account numbers. 1) is PPI for a credit card I am in dispute with . I defended a court claim and they didn't respond so could reopen the case at any time. I'm hoping the PPI refund will be enough to repay the debt if i get it . The debt has apparently been sold to 1st credit. 2) I had a loan with them in 1997 . I distinctly remember being quite cross that as a health professional in the nhs I get full pay if off sick so didn't need and never have needed PPI . I did however claim on the loan in 97 for I think 1 payment when I had an operation and was off sick. I only remember because I didn't need the money I was on full pay ! I have two weeks from the date of their letter to send these forms back ( PPI questionnaire ) and that's up tomorrow well the date is 22 August . I'm as usual really pushed for time and working tomorrow with a mass of planning to do prior . There is a lot of information to read on here and I have about half an hour to do this ! Is there a link for help or advise answering the questions on the questionnaire . I can't even remember the answer now to most of the questions I think I was told I had to take it out tbh and only remember that because it didn't make sense when I get paid anyway if I'm ill . can I still send it in after the 14 days or will they just ignore it then ? Sorry so many questions .

Bump. Does the 6 years SB law go exactly 6 years to the day ? my last payment was 15th Nov 2008 ? Am breath holding big time !

Well I've still heard nothing so I've been back through my bank statements on line as can go back about 7 years . My last payment to egg was 15th Nov 2008 so it will be 6 years this Nov . I so hope they don't suddenly issue a court claim now ! When would the 6 years be up exactly on the Nov 15 ?

I was having a browse on here on noticed that ages ago I got charged over £500 one month for bank charges. This was when each time it was £35 ! I was ages ago as I cant remember the last time I was overdrawn .It was less than 6 years tho. Im on a mission to have an A1 credit file and reclaiming some charges that were unfair would go a long way towards helping me achieve this. I don't want to have my account closed as I like my NatWest account so if there is a chance of reclaiming these charges what would be the best way forward please ? TIA

The original lender was Halifax ? Arrow Global took me to court ?

Hmm, ok whats the chances of reclaiming my ppi and charges on this now is SB and struck out 3 years ago ? Would resurrecting it open me to become liable again should I just leave it ? TIA

Brigadier the case is just in limbo because they didn't answer my defense. last payment I cant be sure because they have refused to comply with SAR and CPR. I check cra regularly and nothing has appeared its up to date inc the court cost but def no ccj ?

No Brigadier . No judgement . I don't think they could just go that because I fully defended the claim and heard nothing . They didn't comply with any if my requests for documents . Just nothing . It's all gone quiet . I first got the default when I was disputing bank charges which I now see included ppi . At least if they pay me back some ppi I can then pay the debt and avoid a ccj ?

Bump . Can this affect their claim one ? Could it possibly be why they never responded to my defence ?

Ive just been clearing out an old cupboard and found some old paperwork for this . On the top I was shocked to see that I had a £16 deduction for PPI in 2008 on this cc. I thought I did but they said not. Also on the statement I found I paid 3 x £12 in charges that month £36 altogether + £ 16 PPI. I remember writing to them years ago and the account was in dispute and the letter I wrote which I cant remember what is was highlightes that while the account was in dispute they were not in a position to default me . I have no copy of the letter but do you think if I can possibly claim PPI it would be enough to clear the debt > I originally owed 1035 but they have raised that to ?1250 to include court costs -I defended had no response so it never went to court .

Ok thanks .

Heard nothing until this morning and today I have received a notice if change of legal representative from Moon Beaver to 1st Credit ? ( the claimant ) . This has reminded me that they haven't forgotten about me ? Should h me doing anything now ? They didn't espond to my defence at all ? Thanks

Andy what would you suggest now please ? am I best just doing nothing ? Thanks

Im not far behind you I submitted my defence in full to 1st credit /moon beaver on 19th May and 28 days have elapsed and I've heard absolutely nothing ! Good luck to you .