Hi All, Just received a letter from Clarity chasing an old, must be now 7 year old debt. I have had no contact from the original creditor or any other DCA regarding this old credit card debt until now. They are asking for a final single payment of 2k less than the amount which I don't remember it being so much at the time, must be all the interest, or settlement repayment plan, which I do not intend on paying anything as I am sure its SB. I have just successfully got Lowells of my back with the help of CAG members only to get a letter out of the blue 3 days later from this different DCA. Do DCAs pass information onto other DCAs or is this just coincidence? My credit file is clear with experian but I have not checked equifax, so should they be the same after 6 years? Can a CCJ be on experian and not on equifax? Any advice on how 'Clarity' work and do they work under different names like Lowell/Red etc? And what would you advise on my next step? Thanks in advance.

Hello I arrived at my mums on Friday to find her very shaken as she had had Sheriff Officers at the door with a Small Claim Summons from Arrow Global which I believe is for a debt 02 going back a few years. She said the were very rude and she explained I didnt live there yet they presented her with the summons anyway. The amount is for £522.78 and it states I reside at the property even though I have not lived there in a year or more and my name is on the electoral roll at my own seperate property. The 02 debt was the end of a contract which I explained to them I couldnt afford and they agreed to reduce it to the minimum monthly amount which they then failed to do and charged the full amount. I couldnt pay this and now they have obviously sold the debt on, added a bit and suddenly taken me to court. I have had no letters about this debt to my mums house so this is the first I've heard of it at this address. The statement of claim staes that I have lived at this address for more than three months and that I am domiciled there. So where do I go from here? I am on a low income as I have kids and a part time job. The thought of going to court terrifies me. Thank you in advance for any advice

In the covering letter Arrow state that under OFT guidelines a reconstituted agreement is satisfactory where the orginal cannot be produced, (this loan agreement was signed on 14/07/2005). They have included a copy of the agreement, a partial statement of account the t&c's. What concerns me most is the customer signatures show are most definitely not mine!!. Also PPI protection is included should I try and claim this off the sum owing?

Hi all - been mooching on and off these boards for a few years, and only recently registered. Cutting a long story short out of the blue I have been at the hands of Uncle Bryan pretty much commensurate with this post here:- forum/showthread.php?342979-bryan-carter-and-ccj-claim&highlight=brian+carter Claim issued 25th May in Northampton CC (surprise!) with almost identical (wooly?) wording so I've done AOS, CPR'd (copied verbatim from the thread link) and CCA'd (from the library) Uncle Bryan and received the following replies: - (bugger can't post links or images ) Letter 1: - Dear Mr ARROW GLOBAL GUERNSEY LIMITED v MR ACCOUNT NUMBER: CLAIM NUMBER: We write further to your request for disclosure under Part 31 of the Civil Procedure Rules. We confirm the claim form was issued by the Northampton County Court Bulk Centre and the Court’s protocol was followed when issuing the Claimant’s Particulars of Claim. Practice Direction 7C point 1.4 (3A) eliminates the requirement to attach the documents to the Particulars of Claim when they are issued by this Court. With regards to your request for disclosure of documents under the Civil Procedure Rules, Part 31.16.2(d); we confirm that this matter would most properly be allocated to the Small Claims Track and therefore Part 31 of the Civil Procedure Rules in its entirety will not apply. It was the original creditor’s policy to issue agreements on or around the date of the contract and statements throughout the duration of the agreement, in this regard We ask you to refer to your own records. You are of course at liberty to request copies from our client direct and a fee may be payable. Our client’s address is as follows: Arrow Global Belvedere 12 Booth Street Manchester M2 4AW. We have however requested documents from our client and hope to revert to you shortly, although this will not be within seven days. We have referred the content of your letter to our client regarding the extension to filing your defence and we will revert to you in due course. Yours sincerely BRYAN CARTER Letter 2: - Dear Mr ARROW GLOBAL GUERNSEY LIMITED v MR. ACCOUNT NUMBER: CLAIM NUMBER: We write further to our letter dated 12 June 2012. We confirm that our client agrees to an extension of time of 14 days for you to file your defence. We look forward to hearing from you with your defence. Yours sincerely BRYAN CARTER Letter 3: - Dear Mr We thank you for your communication regarding this account. We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions. In the meantime, we confirm that We have placed the account on hold. Yours sincerely, Bryan Carter Solicitors So, in a nutshell where do I go from here? Oh the debt is more than 5k so small claims track N/A? Is he likely to drop this like GCSE French? I don't recall the CCA or CPR I sent asking for an extension (but it would appear I have one anyway now lol) so do I do the embarassed defence and go for a strike out; what does "account on hold" mean (i.e. is he withdrawing his case?) and he once again mentions the fabled "original creditor" - according to my CRA file Arrow "own" the alleged debt however I have had no statements or assignment notice from them. Is there anything else I can do to really pee on Bryan's chips? Many many thanks in advance BT Anyone?? Please help, running out of time a1 3.pdf a1 2.pdf a1 1.pdf

Received a new one this morning page 1 from Orange saying they sold the account to Arrow in Dec 2012. Page 2 is from AG, "Notice of Assignment", telling me Fred's are the ones handling it and to contact them, with a "fair processing notice" at the back, which I haven't scrutinised yet. Page 3 is a cute "FAQ" page with little speech bubbles in pastel colours and whimsical fonts. Now then, has anyone already seen these/scanned them on here? I'm happy to scan them later on if not, but not to do it if it's old hat, lol. Like I said, I have never seen this one before, but then DCAs have been giving me a wide berth for a while, lol.

Hello, I would appreciate some advice on this one.. I've had two letters now from different DCAs (Rockwell and now Transcom Worldwide UK) who are both supposedly working for Arrow Global Limited.. Going way back to when I received the first letter from Rockwell, I telephoned them and actually managed to gleen out of them more information about this debt than they got from me.. They have a completely different address (somewhere I've never lived although they have my current address which is fine by me) and a different date of birth - by the way, I refused to give them anything other than my name which they have on the letter and confirmed that my DOB was not what they had, which it isn't lol!! I wasn't born in 1977 and I told them so.. Rockwell said they'd look into and call me back within the hour - that was 6 months ago now.. Anyway, fast forward to today, I get a letter from Transcom Worldwide (UK) with the same debt notification - again I call them and again manage to get out of them they have the same details as Rockwell did.. An address I've never lived at and the wrong date of birth to me, it's not me they are after or I'd put my hands up.. The best advice the TWUK rep said was to report the thing as fraud but not sure how that would help me in this situation as it isn't my debt!.. I can't find out what Arrow Global collect for which is a bit annoying and sadly neither DCA was that daft to tell me that juicy niblet lol.. My question is, do I take this further with Arrow Global and phone/write to them about this?.. I don't want to keep having threats from DCAs.. What can I do??.. Thanks for any advice..

Hi. Thanks for taking time to read my post I really hope someone can help me as I am really worried about it and unsure of the best way to proceed. I received a claim form from Northampton County Court this morning with the following particulars: THE CLAIMANT'S CLAIM IS FOR THE BALANCE DUE UNDER AN AGREEMENT WHICH IS NOW ALL DUE AND PAYABLE THE DEFENDANT AGREED TO PAY MONTHLY INSTALMENTS UNDER ACCOUNT NUMBER XXXXX BUT HAS FAILED TO DO SO. AND THE CLAIMANT CLAIMS THE SUM OF 989.81. THE CLAIMANT ALSO CLAIMS INTEREST THEREON PURSUANT TO S.69 COUNTY COURT ACT 1984 LIMITED TO ONE YEAR TO THE DATE HEREOF AT THE RATE OF 8%PER ANNUM AMOUNTING TO 0.00 AMOUNT CLAIMED: XX9.81 COURT FEE: 55.00 SOLICITOR'S COSTS: 70.00 TOTAL AMOUNT: XXX4.81 I've worked out that this refers to an old Natwest credit card. There was no mention of this on the claim form. Back in June 2008 I sent a CCA request to Moorcroft who were chasing this debt at the time. I have the recorded post receipt. They sent a letter back saying they couldn't produce one, unfortunately I can't find the letter but looking through my computer records I sent them the following letter on 11th July 2008... Thank you for your letter dated 1st July 2008 regarding my request for a signed copy of the relevant agreement under the Consumer Credit Act. Although you state that you are unable to provide me with a copy as requested it is my understanding that under the new Unfair Commercial Practices Directive you have the same responsibilities as the original creditor to comply with my CCA request. I therefore enclose a postal order for £1.00, which represents the statuary fee and remind you that as I asked for this on 25th June 2008 you need to supply me with a copy before Monday 14th July 2008. I look forward to hearing from you in writing. Yours sincerely, A few months later (Sept 2008) I get a letter from Allied International Credit chasing money so sent them an account in dispute letter asking to return account to original creditor. I've not heard anything about this debt since, until today. I have had a look through some of the posts on here and I'm sorry I am still a bit confused about what to do next. I think I should go online and defend claim? The issue date of claim is 13th August but only received today - is the deadline tomorrow - 5 days? The other problem is that I am going on holiday on Monday for 2 weeks so am worried about potential time limits on dealing with this as I wont be home. Can someone please please help me with what I need to do next. I really appreciate any advice/help you guys can offer me. Thank you.

Hello I have had letters from Rockwell chasing an outstanding debt from myself and I am after some advice on where to go next. Firstly I had a letter from Pace Forward on 21/06/2012 looking for a Mr Bowen regarding an urgent matter, after reading thread on CAG I ignored the letter. Then I received a letter from Rockwell dated 09/07/2012 that they have been instructed by their client (Arrow Global) to contact me in regards to an outstanding debt of £1402.84. I replied with a prove it letter on 12/07/2012 using a template from CAG, which they replied with on 16/072012 with a thank you and that they were seeking further information from their client. A further letter was received on 14/08/2012 outlining they matter was still being investigated and they would contact me on receipt of the information being sought, which was: (1) proof of my liability regarding this debt. and (2) payment or written contact from me in the relevant period under Section 5 of the Limitation Act. So, this morning I have received a letter from Rockwell stating the original lender was Capital One (credit card) and have enclosed the original copy of the agreement and statements and their investigations lead them to believe that the matter relates to me. The original agreement is a one page sheet with Credit Card Account Agreement and signed and dated 26/03/2002, the statements are not original and are just monthly boxes containing: statement date, minimum payment due credit limit, new balance, then and payments made in and out From the statements provided the last payment was made 10/07/2009, I have just done a credit report via Noodle and it does show Arrow Global owning this debt and says it was defaulted 31/05/2008. Can someone please advise me on what is next Kindest Regards Baden

I sent a "I have no knowledge of any such debt with Arrow Global" letter in May 2012. I received a "we are consulting our clients" letter, followed by a letter on xx Dec with an attachment from Shop Direct Group for a Kays Lifestyle account opened xx/xx/xx showing goods £xxx, Payments £xx and a default date of xx/xx/xx. (I have omitted the dates and amounts as I am not too happy about revealing too much on the forum (you never know who is reading it!) as I am working on behalf of a relative. It does not show what the goods were, if they were received, date of payment received etc. Does this actually prove the existence of the debt or am I entitled to more information? I am not sure what my next step is now. Can anyone advise me on this. Thanks

Hi guys & Girls have received a letter from scotscall acting on behalf of arrow global threatening a home visit. Have emailed them the following:- Dear sir or Madam, I do not recogise the above account please can you do the following:- 1) Supply me with a copy of the original Credit agreement. 2) Tell me who the original creditor is. 3) Send a copy of the notice of assignment. 4) Send a copy of the default notice. This will allow me to check against my records. Kindest regards Kevin Flynn any advice would be welcome. They have replied with this.... Thank you for your email. This is an HBOS account and this is all the information we have. If you require further details you will need to contact HBOS Enquiries - scotcall.com Sales Telephone: 0844 257 8555 scotcall Spectrum House • 55 Blythswood Street • Glasgow • G2 7AT This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. This Communication may contain material protected by law, copyright or other legislation. If you are not the intended recipient or the person responsible for delivering the email to the intended recipient, be advised that you have received this email in error and that any use, dissemination, forwarding, printing or copying of this email is strictly prohibited. If you have received this email in error please notify the IT Department by telephone on +44 (0) 141 243 4831. scotcall limited Registered in Scotland - No. SC127277

I am pretty much housebound due to mental and physical illness. Arrow are requesting that I instruct my health professional to provide them with details and that I sign a release for them to access sensitive information. Is it safe to allow these people access to very sensitive information? We haven't shared the details of my issues beyond immediate family, ex-employer, the benefits officers and Citizens Advice Bureau and my care team to date.

Hello all, I was wondering if anyone could help. I received a letter about a week ago from Debt Mangers LTD stating they had been looking for a person with my name and to contact them, the usual phishing trip, which I ignored. Today I have received a letter headed Doorstep Visit with a threat to have someone call at my address unless I call them immediately. They claim I owe £728 to Arrow/Orange. I did have an Orange phone account, but not since October of 2007, and I cannot recall owing them anything. My main concern is that I live on a property that shares grounds with my landlord, and do not want debt collectors turning up, especially since no details of any money owing have been given. Any advice on how to proceed? Many thanks

I was wondering if someone coumy finanld help/advise me in relation to a SB (Sainsbury's Bank) loan I took out in 2005. A scenario of the situation is as follows: - Full contractural payments made on loan until Dec 2010, when I lost my job through illness Received advice from CCCS to make reduced payments of £1 per month until financial situtation improved. CCA request made on 7 Nov 2011 as unsure if debt was enforceable. Copy received on 21 Nov 2011 SB assigned laon to AG (Arrow Global Ltd) in Dec 2012. Texts & calls received from WC (Wescot Credit Services Ltd) - accepted reduced payment of a £1 a month In Apr 2012 I received a lump sum inheritance. Wrote to WC and AG offering in F & F settlement (25% of loan £5,444), pro rota with other creditors Blank letter received from Wescot on 2 Apr 2012. I wrote the same day, copy to AG, asking why a blank letter had been sent and for the full contents Nothing heard from WC or AG until 27 June 2012 until notice of arrears letter from AG. Arrears letter still advised that WC were acting on their behalf From 17 Aug 2012 started to receive calls from DF (DrydensFairfax Solicitors), on average three times a day Letter dated 22 Aug 2012 from DF requesting immediate full payment of the loan Called DF on 30 Aug (stupidly) asking Why calls were being made before any correspondence Had confirmation from AG that DF were now acting on their behalf How they had got hold of my personal security details? As a result of this call, the DF representative gave me an unobtainable number for AG Called DF back on 4 Sept 2012 (even more stupid than before) again asking the above. DF representative then started to threaten me in also of ways in which point I hung up. I am completely confused what to do now and these calls are getting my wife really stressed. Since requesting the CCA both of out names were on the loan but this changed (just notice) when it was clear my wife had nothing to do with the loan (e.g. she was getting arrears letters, etc) then this suddenly stopped. Therefore, I am not even sure of the validity of the loan. Any help would be gratefully appreciated.

Hi all, B Carter are acting on behalf of Arrow Global, who have for some time alleged I owe them over £350. a few weeks ago BC sent me an offer saying they will knock £50 if I pay immediately. I have now received court papers from Northampton for this alleged debt and bizzarely the court and solicitors fees add up to the original amount. What is going on here? They are also not claiming statutory interest, why not if they think I owe this debt? This allaged debt is from 2006 and yes, it shows on my credit file (until 2007). I dont really know how to proceed. Its all CC charges and interest on charges (CC is not from Arrow either). Really annoyed by whole situation. Anyone any advice or similar experience?

Hi All, Bit of a shock to start the day when a claim form arrived from Northampton County Court from Claimant Arrow Global Guernsey Limited, and solicitors Shoosmiths LLP, issue date 09 OCT 2012. I have spent the best part of today reading various forums and am totally confused now by all the different posts/topics/advice floating around the internet! But i have seen to find here has the best advice (hoping!), i don't have a scanner here so cant scan an post the particulars of claim, but i can retype it, 1.The claimants claim is for the sum of 6511.49 being monies due from the defendent to the claimant under a regulated agreement between the defendent and MBNA Europe bank limited (No.xxxx) and assigned to the claimant on 20/12/2011, notice of which has been provided to the defendent. 2.The defendent has failed to make payment i(sic) accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. 3.The claimant claims the sum of 6511.49 4.C has complied, as far as necessary, wi(sic) the pre-action conduct practice direction. Number So thats that! It all relates to a fairly old cc debt but the last payment was around 5 yrs ago, the original sum was much higher but i slowly paid it off, but when got into a bit of dire straits few years back this was one of the things that didnt rank too high on my list of things (rent, food, kids etc came first!). In the meantime i had moved house and not heard anything from anybody for a couple of years, then out of the blue this arrived today!!! I have made a CPR 31.14 request, as this seems reading all the other posts that this is the first step (pasted below), i intend to mail these out in the morning to Arrow an Shoosmiths, if anybody feels i missed something please feel free to add it before i post! Thanks for taking the time to read

Folks I could do with some advice. In Nov 2009 I received a letter from IMPACT CS, stating that a Vanquis account was overdue by 81 pounds and that there was a balance on 763.41 with 72 hours to pay, a week later the same letter arrives. I sent a letter in early December under S78(1) of the CCA requesting a true copy of any agreement with the satutory fee. A week later ireceived a default notice from Vanquis (117 minimum payment, balance now 811.89). Late December a letter arrives from Vanquis stating they have enclosed a copy of the executed agreement. This was a blank colour copy of an application form with terms and conditions attached. A week later another letter from IMPACT CS asking for payment. In early Jan 2010 I send another letter to Vanquis stating the document supplied does not meet S78(1) CCA requirements at the same time send another letter stating account is in dispute. In late Jan 2010 I send a letter to IMPACT CS telling them not to continue with thier telephone harrassment. In early Feb Vanquis reply stating and I quote: "with regard to your request under Section 78 of the CCA. We are required only to provide you with a true copy of the executed agreement. We are not, however, required to provide you with a copy of the executed agreement between us in the form of a photocopy of that document. Please be advised that it is only necessary for us to provide the 'signed copy' of our agreement to which you allude, in a court of law should Legal proceedings be undertaken by us, and not at any time prior to this." Then the letters stated coming at regular interval from 1st Credit (3), DHS (1), CARS (3), all were sent the 'dispute letter'. Then in May 2011 a Notice of Assignment sent from Arrow, then Fredrickson (4), Bryan Carter (3), Rossendales (3), Moorcroft (1), Midas (1), then Shoosmiths write in Dec 2012 saying court action. I then get a claim form from the Northampton bulk centre which including cost is now for 990.68, my questions are as follows: 1) Do I defend this claim? 2) Are Vanquis correct in stating that they have to provide such before going to court? 3) What do I do? I really cannot provide any meaningful defence if they do not provide me with the correct documents

Hi, my son recieved a letter from Debt Managers, who said they were collecting on behalf of Arrow who bought the original debt from Santander. My son hadn't disputed the debt with Santander and had a arrangement to pay 1.00 a month as this was all he could afford at the time. This arrangement has been in plave for approximately 2 years. The letter from debtmanagers stated that Arrow had passed the debt onto them because it was overdue, and were demanding the full balance. My son rang his bank who confirmed his 1.00 payment standing order had never defaulted and the payments had been made on time. We then rang Debtmanagers who tried to say that because the payment was going to thier debt collection agency Callserve in Dorset by the time it reached them it was overdue. My son does not recall having ever had any other contact from Arrow regarding making payments to any other reference number than the one original set up. I then spoke to the woman at debt managers at which point I pointed out that the account was not and never had been overdue and was it not the case that they were simply saying it was so they could demmand full payment as they were not happy with the 1.00 payment, she still insisted the payments were late getting to them therfore was overdue. and the only way round this was to make the payments to them and do a income and expenditure at which time they will review the payment. My son can't afford to pay anymore at the moment as he was left with a lot of debt by his ex fiance and her uncle who he shared a house with they left and has his name was on the council tax bill he was left with this to pay etc along with several utility bills. My query to the forum is where does my son stand on this. When I asked the woman from debtmanagers to put in writing that the payments were not overdue that he needed to make payments to debtmanagers instead etc she said she couldnt do that that they only have the default letters that are sent out. My question to the forum is where does my son stand on this. They are saying his payments are overdue when they are clearly not and that they can't put anything in writing. They say hes been written to even thought he has never recieved anything.

I had an MBNA debt which has been passed on to Arrow Global / Drydens Fairfax & have been making regular payments since June last year. Drydens have been a nightmare to deal with, they are abusive & incompetent to put it mildly. I have now received yet another threatogram, this time they have enclosed an income & expenditure form to fill in. They want proof of income, bank statements & any proof of benefits, and if I do not return it within 2 weeks, they will consider further action to recover the debt, possibly court action. Has anyone had any dealings with these people? and am I leagally bound to return the I&E forms?

Good Evening I have received form N149 from Northampton. Arrow global Limited state that they are waiting for statements to be sent to them. So I have filled in the form as follows: Section A - settlement - yes Section B- location - no Section C - track - yes Section D - witnesses - 0 Section E - experts - no Section F - no Section G - I have noted that I have requested statements and that Arrow have said they have asked for them. I have queried if it should have gone to court without the necessary paperwork. Is there anything else I should put? Thank you in advance for your help

Last year my grandmother received a letter from a debt collection agency 'MacKenzie Hall' regarding an old debt. I ignored the letter and eventually they phoned us. I didn't admit to the debt because my grandmother has no memory of it. She had a stroke about 5 years ago and since then I've been dealing with her finances. I asked what this supposed debt was for and when it was from. I was informed it was for Littlewoods catalogue and was from 2003/2004 which was when the last payment was made. I told them the debt wasn't ours and not to call again. Afterwards they kept sending letters so I went to citizens advice who told me that regardless of whether or not the debt was ours, as it was over 6 years ago it was status barred and to tell the DCA that if they phoned again. I followed the advice and next time they called I told them that the debt was status barred still without admitting responsibility. I told them if they kept calling I'd report them for harrassment. Last week we got another letter through the door this time from Debt Managers Ltd on behalf of Arrow - Shop Direct Carvel. I just ignored the letter because it's outwith the 6 years limit. Since then I've had a couple of automated 'If you are *** press one' calls from them and another letter stating that a doorstep agent will be visiting to arrange repayment of the debt. I've checked our credit score and it says the debt didn't default until 2008. Does this mean the debt isn't status barred even though a payment hasn't been made since 2004 and we haven't owned up to the debt? They won't leave us alone and it's really stating to stress me out. I suffered from really bad anxiety so having to deal with pushy agents is beyond my capabilities at the moment. Any and all advice welcome. P.S. I'm in Scotland

Just received letter from MBNA stating they have sold debt to Arrow Financial under a Notice of Assignemt. My questions are Do I acknowledge debt to Arrow Global Can I ask how much they paid for the debt? Is it true that I have basically settled my commitment to MBNA in settling their balance (eve tho Arrow Global have paid it) I have no agreement with AW. Due to financial difficulties I have been paying MBNA £20 without misses for over a year now and the balance is £3450 Any advice please.

Hi all, New to the forum as I found you when trying to research the company who have contacted my partner for a £3000 debt he apparently owes. The letter is from Mackenzie Hall on behalf of their pursuers Arrow Global Limited and the original creditor Fairmile Partnership 1 LLP. The letter is dated 4th December 2012, however we only received it on Sat 8th December 2012. There is a "Payment Deadline: Noon, 11th December 2012". Quite a scary letter when you first read it, luckily over the 3 years me and my partner have been together I've become quite apt at dealing with these situations (he wasn't a good boy before we meet, but tigers can and have changed their stripes). This one has worried me a bit due to its aggressive and completely un-realistic deadline. Also the fact that while my partner has admitting responsibility for some of the past debts and I managed to get the amounts reduced or completely written off, if has absolutely no knowledge of owing £3000 to anyone for anything. I did ring them on his behalf just to state that due to his working hours he is unable to contact them within the required timeframe. The operator has said that she will post an enquiry on the account but she is unable to confirm anything with me as I don't yet have authority to speak with them. I asked if the enquiry will hold the account, but she cannot say only that "we shouldn't worry about the deadline". I hate it when people say that as in my experience it means we really should worry about it. I asked how long an enquiry will take and it usually takes a few weeks. Can anyone offer any insight into who these 3 companies named are and what the debt might be related to? Also any advice on how to proceed with them?

hi this is my first time here and hoping to get help fast. arrow global are taking me to court for a un paid phone bill. ive told court i will defend it and ive sent a validation letter to arrow asking for prove of the debt ( phone bill statements etc ). the bill is for 445.77 all they sent me back is a copy of there own made up crap its got the orange logo on it with orange address etc but the statement is dated 7 sep 2012 now this dept is nearly 6 years old there are no phone numbers on it or times calls were made.. my name is spelt wrong and it also as my middle name initials on it, i never ever use my or give them to anyone except anything government ( tax papers driving licence etc ) so i know this so called statement is printed by them and its not orginal, the court as sent me a letter saying they have moved the court hearing to court of my choice and will be letting me know when date to attend... can i send arrow anything saying this it not a true copy, also i thought with phone companys if u missed a mths payment they would stop all outgoing calls until its paid, this statement shows i never paid 24th fab 2007 £221,43 24th march 2007 £135.75 24th may 2007 £80.01 would they let a customer run that long with that much bill.. . thanks for ur time in reading this

In July 2006, I defaulted on a number of debits. One of them was for a visa card with Shell. This was sold on to Arrow Global and in September 2008, Arrow got a CCJ for the £3523 outstanding. I have been paying the shell/arrow at £14.37 a month since 2006. There is still £2790.77 left to pay. I have tried to make a settlement offer to Arrow of £839.55 which is there amount, pro-rater from a lump sum I have received, but they have turned me down saying they can only offer me a 50% discount. All other defaults have been removed from my credit file, but this CCJ will stay until September 2014, so I would like to settle it. Does anyone know how firm they are on the 50% rule. It seems silly that they would rather have £14.37 for another 16 years rather than have the 839 cash now.

Hi All I’m hoping someone can be of help to me on here, be that telling me what to do or directing me to a previous thread. I have received a Court ‘Claim Form’ from Northampton County Court issued by Shoosmiths LLP on behalf of Arrow Global who in turn had purchased my MBNA debt. I had originally written to MBNA in March 2010 asking for a true copy of the signed credit agreement(s) in their original form. I did not receive any response from MBNA and no contact apart from the usual Debt Collectors and other companies that obvious offer discounts if I pay it off. These companies tended to go away once I said the account was in dispute. Arrow Global obviously being made of sterner stuff. I have responded to Shoosmiths prior to the Court letter but these had possibly crossed in the post. I have requested the 28 days from the Court to prepare my defence. Shoosmiths have responded and they have asked me to provide evidence of my contact with MBNA for their consideration. My questions are: Will my ignored request to MBNA count or stand up in Court? I did have a proof of posting but cannot find this now. Even the letter was on a defunct computer that I had to get an IT guy to suck the files out of. Should I continue talking to Shoosmiths prior to the case? Have I any chance of coming through this? If this matter should go to a full court hearing I would not feel confident in representing myself. A friend has said they would lend me a few hundred £ to employ a solicitor. Anyone know of a solicitor who will defend/support me and is up to speed on these sorts of matters (and based in the East Midlands)? How come they have started proceedings now? Has there been a case heard that they have won and so feeling bullish or are they just hoping I will fold and pay? Many thank for your attention, time and consideration.