Hi All Received a County Court Summons 14th Sept 2015 from Arrow Global(claimant) on an M&S card debt assigned to them on Feb 2013. I acknowledged and have to file defence on the 17th October. I sent CCA request to Arrow Global 0n 18th Sept and they replied on 25th Sept saying that they do not accept they are the creditor as envisaged by the statute however they are willing to help and process docs from the creditor ...however nothing received as yet also they confirmed all collection activity will be suspended pending provision of docs. I presume this wont mean they have halted court summons so i will still defend. Question .....? Is my defence that they havent complied with CCA request and that as per their letter of 25th Sept they have stated that all collection activity will be suspended pending provision of CCA documents Thanks

On 29 September 2015 I received a Civil Bill for £17,091.52. this was for an outstanding amount on an MBNA Credit Card which i am unable to pay The Credit Card agreement apparently commenced on 20/09/2008 and defaulted on 01/11/2011 at this time the balance was£19,705 In January 2010 i sought advice from Citizens Advice and came to an arrangement with MBNA to pay £187 per month and had the interest and charges froxen MBNA wrote to me on 22/11/2011 and advised that my credit agreement had been terminated. Received phone calls from Arden Credit Management demanding that i pay the full balance or increase my monthly repayment substantially, the Account Balance at this time had reduced to £16,906 Correspondence started to be received from Arden Credit Management, followed by numerous phone calls which i blocked. I did not reply to any letters and refused to accept any calls. Arden were apparently instructed by Moorgate to recover this. Next harassment by phone and mail was from Wescot Nelson Guest and Partners Solicitors now make an off the pay £12,679 to settle the matter Hundreds of call follow fro Moorgate and Wescot along with regular letters. 25/01/2012 Moorgate advise that my account is now owned by Britannica Re Recoveries S.a.r.l , 12/11/2012 Moorgate advise me that my account has been purchased by Arrow Global Guernsey the next paragraph is important for later "The transfer assigns all of Moorgate Loan Servicing's rights as owner to Arrow Global, which has agreed to perform all the obligations of Moorgate Loan servicing under the terms and conditions of your MBNA credit card agreement. The terms and conditions of your credit card agreement will therefore not be affected by this transfer" Correspondence and call continue fro Arden and Resolvecall Arrow Global advise the Shoesmiths will manage my account Continuous letters from them asking for repayment and personal financia details, none replied to Remember the important paragraph earlier!!!!! on the Civil Bill it adds on top of the amount owed "The Plaintiff further claims interest at the rate of 8% per annum in accordance with Article 45A of the County Courts (northern Ireland) Order 1980 on the amount of £16908 from the date of assignment of the debt to the Plaintiff being 31/10/2012 to 25/09/2015 in the sum of £3,918, being 1059 days at a daily rate of £3.70 and continuing at said rate to the date of Judgement or earlier repayment"l The terms and conditions of my cred agreement were to be altered, so how can they claim interest as well. I had never been notified that interest was being added. I have 21 days to defend these proceedings I hope i have given full details So what do i do next, help will be greatly appreciated

I received compensation from a DCA for harassment etc, owning to my step sons debts. My step son as not lived with me for 4 years. Have I wrote to I long list of DCAs giving formal notification that he does not live with me and I will consider any phone calls, letters etc Harassment. One debt which the company I received compensation from(which they legally owned) I was told had been totally closed. Today I received a letter from Arrow Globel claiming that that they owned the same debt since 21/12/2012 and that they were appointing Allied International Credit (UK) to manage the debt. They could not have owned the debt since then because the other DCA owned the debt. Nor would the original creditor (orange) have sold then the debt because it is part of a formal complaint I have made against orange who knew that my stepson did not live with me. As anyone any suggestions on how they got this debt because the Original DCA as assured me that the account was sealed.

My wife had a Natwest Credit Card Account from around 2001- 2005. It was closed with a balance of about £3000 then sold to Arrow Global. Last payment to original lender was around 2007/8. No acknowledgement or payment made to DCA at all. They wrote many letters in 2012 demanding for payment because we had made a claim for default charges. We asked them to prove but they went quiet but at the same time the claim for the default charges was partly successful but Natwest decided to make that payment to Arrow Global despite my wife's protest. I wrote and informed them that the dedt was statute barred but they never responded. We did not hear anything and no CCA was provided when requested at the time but upon receipt of the claim form early this month, I wrote to Arrow reminding them that they were still in default of the CCA request. They wrote bck claiming that they did comply in 2012 and enclosed a copy of the application for with "T&C" which can not be read. I acknowledged the Claim and also sent CPR request to Drydens for which they responded that they have passed it to their client. They claim that the last payment was made in 2012. The only payment I can think of is the one from Natwest. Does this reset the clock? Can I use statute barred as a defense? Thanks Dot

Hi, looking for some help... we had a CCJ last year from Arrow Global via Restons Sol. We applied to set aside the application however we have been refused! We need to have to CCJ cleared. Reluctantly we are looking to offer a full and final settlement, however before any payment is offered I have the following queries : Do we need to request Arrow Global to provide proof that they have ownership of the debt. We have never received any letters in the past from AG nor we have never made any payment, as we no idea what the claim is for. Also, if the full and final payment is made, will the credit file get marked as satisfied and not partially paid ?

Hi all, Has anyone ever had any experience agreeing a F&F with Arrow Global? HSBC defaulted us on a joint bank account overdraft back in December 2009. It appears that the debt was then sold to AG. At the time it was for approx. £1200 but we have been making DMP token payments since 2009 and it is now down to around £800. My questions are: Are AG likely to agree a reduced F&F easily? Are AG in a position to have the default removed if we pay a F&F?

Filed a claim against me last year for an old MBNA credit card debt. I went down the route of filing a defence and requesting all of the documention, which they eventually managed to produce but not before the claim was stayed. In light of this I wrote offering a token £1 per month payment to hopefully avoid them proceeding further with the claim (I'm currently being supported by my partner and have no official income). They have responded to this by sending out a four page financial questionnaire including a payment offer sheet. I'm wondering how to respond to this. Not happy about giving them the level of information they are asking for, nor my partner's employment details. However my main priority is to avoid further court action. Any ideas/advice on how best to handle this would be most welcome.

Have had some massive financial problems in the past but thought they were behind me. Just looked at my Noddle report and there is a CCJ for £567 dated January this year against an old address. Apparently for a credit card defaulted in 2009. At the time I wrote to all creditors offering small monthly payments and several of them accepted and are still getting these payments every month. If this is for a credit card I had, I have no recollection of it. This is the only black mark currently on my credit report, but I can't afford to pay it. What should I do? I did try searching the forum but couldn't find anything the same so I am sorry if this question has been answered before. I am a woman approaching retirement age, living with my partner in a small privately rented flat. I earn a minimum wage from a part-time cleaning job and do not receive any benefits. I own nothing of any value.

Approx a year ago I asked Arrow Global to "prove" a debt they alleged against me. A year on they were still applying default notices and data on my credit file. For months I had been asking them to remove this data all of which was refused and met with "we are still investigating" As this was not getting any anywhere I emailed the CEO tdrury@arrowglobal.net who passed it on to someone else and I got a reply within 48hrs. So here is the reply in all its glory To be clear they are not chasing the debt at this time, I am requesting they remove data form my credit file as they can't prove any debt is owed. Comments and opinons please

Evening all, I have recntly recieved several calls from a company called arrow global asking me personla questions to "deal" with a supposed outstanding debt. Due to so many [problem]s out there i told them i would not give personal details to confirm who i was. Today i recieved a Claim form, with several others included. The first being a Claim form with the number N1CPC on the bottom left hand corner. In it it states i have an outstanding debt from 2002 for littlewoods, and that it was assigned to the claiment on may 17 2007 I see no stamp or seal on the form, i assume this is a stamp from a stamp machine, not a preprinted stamp on the form with a crown and the words the county court, no real stamp just the preprinte one. I have since this date had another little woods account at the same address and a ISME account who are also littlewoods at the same address, i do not recall this debt have no paperwork from 13 years ago and have never to my knowledge agreed to pay Arrow any amount. Am i correct that this debt is past it date , i recently out of curiousity got my exeparian credit file and i have no CCJ's on it or any ourstanding debts of any sorts. I really dont know about this debt and am sure its statute barred if they received it in 2007 and their letter is dated 21 jan 2015 Plus if i did have the debt surely littlewoods would have done something sooner then 5 years before selling the debt to arrow?? Any help would be appreciated , i dont want to just ignor this letter in case it is genuine, kind regards grant

I am waiting for action against me with trepidation, I have complex mental health problems including memory loss which means I cannot recall all transactions related to matters over a year ago. Thus, the prospect of remembering the details of DISPUTE which were raised over three years ago. I sent many letters DISPUTING with original lender credit card, but don't have copies. They eventually sold to Arrow Global. They, in turn, have used a succession of collection companies , who I have ignored / returned letters unanswered. I now wonder if original lender/credit card will be able to provide ( or even kept) my letters of DISPUTE ? There are times when my cognitive process is greatly impaired, so I am unable to talk, write, take information in. At other times, like right now, I can compose a short email. Any guidance gratefully received . I think I destroyed my records last year in during a psychotic episode. I take anti psychotics, anxiolytics, mood stabilisers and anti depressants , all of which impair my cognitive function. Original agreement 1995 Last Payment 2011 (? needs verifying ) Default Notice possibly issued 2011 (? needs verifying )

Hi, I was wondering if anyone could run their eyes over my proposed defence, and possibly advise whether I should defend or counterclaim. I have been through the CCA request procedure, as I really don't know what this debt is, and as you'll read in my defence, got nothing back. My return date is 5th january, so this is getting a bit close to the bone.... the summons i received from the sheriff court: is attached And here is my proposed defence, (thanks for the template!):

Hi everyone at CAG I received a claim form from Dryden’s Fairfax solicitors acting for a collection agency called arrow ltd the letter dated 10th October about a credit card I had with Sainsbury’s bank I took out in 1998, I took the claim form to the CAB on 4th November to help me, the CAB contacted the court and was told no judgement had been made yet by Dryden’s, CAB rang Dryden’s and spoke to them and told them I wanted to send the admission form and set up a monthly payment, but I said all correspondence must be done only by letter, the person who was speaking to CAB on the phone asked us to wait and she will speak to her supervisor, she came back on the phone and said they were pushing the CCJ through to which CAB was surprised, I received a CCJ a week later. I had been keeping up my payments with Sainsbury’s until I got into difficulties in 2008 and asked to pay less and agreed a plan with them, I fell into more difficulties and asked to make a lower payment I was told by Sainsbury’s my debt was being passed to a debt collection service, I protested at this because I said the debt was between me and Sainsbury’s to which I was told the interest would be frozen by using a debt agency. I cannot remember receiving a default letter at all, but I was moving around a lot, I set up payment plans with debt collection agencies when they had contacted me. I found out my debt had been sold on a couple of times, I made most of my payments by debit card, some payments were made at banks across the counter, two payments were missing on the statement I saw (because yet again my debt had been sold to another agency) I have one receipt I found. I stopped paying because I fell ill and was trying to claim benefits and the lovely pips (which I got a year later), I do think I paid ppi in the early part off having a credit card with Sainsbury’s. Any advice would be much welcomed please.

Hello, I am new to this website and am not even sure i am writing this in the correct place. Over a year ago i did one of those 30 day free trials with the credit reference agencies, i found Arrow Global on my credit file. I had never had any communication with them or knew of their existence until i read my file. There is a debt for 4000 pounds on there and it says it started in 2002. But it also said i was in a debt management programme and had defaulted on a payment in 2012. I looked on the internet about credit files and found template letters, of which i sent to this company, then i got letters every month saying they could not provide the information that i requested. they said i had last paid them in June 2012. This is ridiculous, not only did i not know of their existence but i have never been in a debt programme, i wrote back saying this they said i paid £1.52 in 2012. completely mad as i was out of the country for most of 2012. I have asked them for proof of this alleged debt and the proof of the payment, a year later still nothing provided. I wrote to the FOS early this year before i left the country and they asked Arrow Global to provide the information which they have not. I have written to the FOS again a month ago, on my return but not heard anything since. I also wrote to the ICO but the reply said as i was disputing a debt they could not help. I am bemused. I have asked for information and documentation many times, nothing has been produced. Can these people really fabricate anything and put it on your credit file? How do i prove a debt is not mine? how do i prove i have never paid these people a penny? I joined noddle credit file as it is free but when i disputed it online it just said rejected. I have no idea where to go from here. They said company will not supply any documents, nothing, but they still remain on my credit file. I do not understand how they can say i made a payment when i did not and will not produce any information on this. I just don't get it.

Hi and thanks for taking the time to read. I have just received a small claims form pack (N9) which was issued on 17-Nov-2014 from Northampton county court business centre, for an old debt from Capital One which Arrow Global have purchased. I have looked up on my credit profile and can see a default was registered on 11/02/2009, the last payment for this debt was some months before that so it may possibly be statute barred if I'm correct? I have never acknowledged any letters or had any contact with Arrow Global, nor have I ever had any contact with Capital One since the default, I have just buried my head in the sand as I have never really been in a position to do anything about the debt. I'm a little unsure how to proceed or what to do and any advice would be greatly appreciated.

Hi there, I was hoping for some advice regarding best next steps in my defence against Arrow Global Limited Egg loans. I sent out the CPR31.14 and CCA letters. They have responded with a copy of the signed agreement but only two years worth of the account statements and no copy of any default notice. I have a copy of their letter if you'd like to see that? Any help would greatly appreciated as I have very little time to submit my defines. Thanks, Will

Hi Everyone. I have received a Claim Form from these crooked debt collectors for £1649 for an alleged debt with MBNA which was sold to Arrow Global. Issue date is 5th November. Im about 20 months away from this alleged debt becoming Statute Barred. Can someone help me with which process to follow? Do i put in a defence or do i ask them to provide the credit agreement and other documents before i do that? Thanks. PS im prepared to fight them. I have beaten alleged speeding offences on 7 occasions because i understand the law and system. But im new to the CCJ world

After a default I was paying £50 (what I could afford) to AG for several years - last year, out of the blue - the payment was stopped and I started getting nuisance calls from a number of DCA's, and then eventually a letter from Wescot, then a letter from Restons demanding the sum in full. I did the whole CCA request and I just got rude letters from Restons back saying it was all non-legal rubbish they didn't have to reply to. Finally I got a N244 court order back in march - I submitted my defence (no cca supplied) and the case was stayed. I heard nothing for months until finally, out of the blue in September, Restons were applying for a Lift of Stay, Summary Judgement and to strike out my defence. Their legal fees were itemised on the N244 and came to £516 - annoying and I'd prefer not to pay for their trouble making - but not OTT either I responded requesting the CCA again and later in the month they finally provided a photocopy of the CCA. My problem all the while was ensuring I was paying the debt back to the correct DCA as I had requests for the money from multiple DCA's With this in mind I wrote requesting to come to an out of court agreement and pay a monthly sum of £50 - which they seem to have agreed to on a Tomlin Order. However their fees now come to £1500 and of course are added to the original debt. This includes a court appearance fee of £450 - which is rich considering we would not be going to court if the agreement is signed. Although with a few days to go it seems easier to roll over and pay the fees - I feel uneasy about doing so. From what I can see a tomlin order is just an agreement staying the court case - which means they would be at a liberty to start court proceedings and ad an extra grand or so into the mix on a yearly basis. I'm considering getting legal advice but I'd appreciate any help from the community. - Can extra fees be added after the fees stated on a N244? - if I go to court now I don't feel I have much to lose as it looks like I'm paying for their appearance in any case. Thanks Dan

Hi have had a ccj in 2010 as I had a very bad debt management company after losing my job, I have not heard anything from this debt since the ccj is obv still sat there on my credit file the account havent been updated for nearly 3 years, I know the court papers were never returned Im sure I didnt sign any agreement I applied online for the cards and never that organised to return them when they arrive, would you cca them or let it lie thanks

Hi, I have just been issued a claimform from Arrow Global Limited by their solicitors Blake Lapthorn. I have issued the acknowledgement of service and would very much appreciate some help and advice and how to defend this. Sorry history is quite long and apologise for this. In a nutshell, 1.Approached citifinancial in October 2005 for a loan of £10,000. Due to my credit history they were unable to offer £4,000 (or 4,000: cannot recall as I don’t have the paperwork and Citi have failed to provide this. It was at an extremely high rate and they sold me 2 different PPI policies, one for disability & insurance cover and one for takecare cover. I had pre-existing medical conditions and told them I did not need this as I had long term disability and sickness cover and life assurance through my employer. They advised that if I did not take the cover, the loan would not be approved. 2.Within a couple of months they rang to say I could now have the £10k and would give me a better interest rate. I went in to sign the paperwork and again they sold me another 2 policies. They were always up front policies with interest charged on them at the prevailing rate. I again reiterated that I did not need these policies but without them they could not proceed. I signed the paperwork and was not provided with a full redemption statement to show how they had arrived at the redemption figure bearing in mind I had paid up front PPI fees on 2 different policies. 3.3-4 months later, they rang again and said they could lower my interest rate but I need to complete a new loan form. I said I did not want to borrow any more money and if I wanted to lower the interest rate I had to add a small amount on, which I did. Again, they sold me 2 PPI policies, one disability and takecare cover and both added to the loan with interest. 4.The insurance application form attached to the third loan agreement is dated 21/7/2006 signed by me and witnessed by Citi, but I now notice that the CCA agreement is dated by Citifinancial 21/7/08. I also have a fax copy of the third loan agreement with a date of 1/9/2006 issued with an account. I am not sure why the loan agreement is dated some 2 years later by Citi. Maybe it’s their writing. 5.In early 2008 I complained to Citi about mis-selling so many up front policies that I did not need and had pre-existing medication conditions. They rejected my claim and I made a claim via the Ombudsman. 6.I lodged a complaint with the Ombudsman on 22/5/2008.In August 2009 the Ombudsman upheld my complaint and ordered Citi to put me back in a position had I not been sold the 6 PPI policies in total. They were also asked to re-calculate each loan on the basis these had not been sold, as the redemption figures carried forward to each new loan would have been different. Again, on the third loan which is the on-going dispute and which has been sold to Arrow was to be re-calculated on the basis of the new figures brought over to each loan and to also re-calculate the balance without those policies. 7.In early December 2009 Citi wrote to me with some calculations and a cheque for £3010.22 for a refund of the PPI premiums with interest. Their calculations were minimal and did not provide the new redemption figures and the new carried forward balances of each loan as instructed to do so by the Ombudsman. The PPI and Takecare cover premiums on the 3 loans were a total of £5102.05 and £2509.81 in interest, making a total of £7611.86 8.From that date on I have written to Citifinancial to ask for the full computations and calculations as it seems they only gave a breakdown as PPI refund due, plus interest and nothing else. They have not re-wrote each loan to reflect the totals without the policies and this in turn would have reduced the balance carried forward onto loan 2 and 3 and 3 being the loan still valid. 9.On 15/12/2009 I received a letter from Citifinancial saying I owed £10,194.46 10.Letter received 10 May 2012 from Citifinancial saying “some important news about your loan” transferred from Citifinancial to Britannia recoveries S.a.r.l. acting in the name on behalf of its compartment “Atlas” (Britannica-Atlas) and will be managed by Arrow Global Receivables Management Limited will take place on 21 May 2012. The transfer involves the assignment of all CitFinancial’s rights as lender to Britannica-Atlas who have agreed to perform the obligations of CitiFinancial under the terms of your Citi loan agreement. From May 2012 references to “we”, “us” “our”, “the Lender” and Citifinancial in your Citifinancial Loan agreement terms and conditions will become references to Britannica-Atlas and any references to the “group of companies” that include Cit will also become references to Britannica-Atlas. We are working closely with Arrow Global Receivables Management Limited to ensure a smooth transition of your account and they will be writing to you shortly to provide revised payment instructions. In the interim period, please continue to make payments in the usual way. 11.Letter received from Arrow Global receivables management limited is acting agent for Britannica recoveries S.a.r.l. – Atlas with Westcott Credit services dated 7 August 2012 with a statement from July 2011 to June 2012 showing a balance of £10,316.72. 12.Wrote to Westcott Credit services in August 2012 to advise Citifinal had not provided the information requested as per my SAR request, they had not re-written the loan as instructed to do so by the ombudsman. Also wrote in August and September to Arrow Global on 25/9/2012 for full SAR request. 13.Letter received from Arrow Global receiveables management Ltd Manchester saying an adjustment has been applied to your account so the balance was now £9320.78. 14.Letter Westcoff Credit Services dated 21/9/2012 balance of £9320.78 outstanding. 15.Letter dated 17/08/2012 from Citi saying Arrow will reply with SAR details and confirming I should write to Arrow Global Receivables Management Ltd in Manchester. 16.I then had to contact the Ombudsman again in 2012 as I became aware they had not reimbursed me for the Takecare policies as instructed to do so by the Ombudsman. The Ombudsman had to re-open the complaint, readdress the lack of full refund and on 1 November 2012 wrote to say it was correct, they had not refunded me for the Takecare policies and this would be forthcoming. Again, they could not provide the recalculated loan agreements as per the Ombudsman’s decision. I received a further £700 for these other 2 policies. 17. On 12/12/2012 I sent a letter to Arrow Global Receivables Management in Manchester for a SAR request with a £10.00 fee. They sent some information but nothing which I asked for. They sent me information that was more internal, a credit reference report In fact, minimal information. No statement, no notice of assignment and I have never received any notice of assignment. To be honest, I am not sure who owns the loan, Atlas or Global. The summons is from Global, but citi say it was sold to Atlas. 18.Letters continued to be sent to Arrow Global for the full SAR request but since nothing has been forthcoming. 19.Letter from Black Lapthorn dated 2/12/2013 saying they act for Arrow Global. Our client has purchased the debt and chasing payment. 20.Letter to Black Lapthorn dated 4/12/2013 saying I do not owe Arrow Global. I am still in dispute with Citi and still waiting for them to re-write the loans as per the Ombudsman’s instructions. 21.Letter Black Lapthorn dated 7/12/2014 saying I have submitted a data request but saying our client has received no such request but Arrow’s letter of confirming the £10.00 fee and the information was sent was worthless as it contained none of the documents I requested. They asked that I make another SAR request and send another £10.00. 22.Letter Arrow Global Bedford Row dated 3/9/2014 saying the notification of account transfer to new agency Black Lapthorn. 23.Letter 17/9/2014 to Blake Lapthorn stating I have never received any Notice of Assignment. I have sent a SAR request in 2012 along with Citigroup and Westcott breaching the regulations as they have failed to provide the documentation. I also state that I have already paid a £10 fee in this regard to Arrow. 24.Letter Blake Lapthorn dated 1/10/2014 saying we act for Arrow. Our client will reconsider suitable payments.If no reply within 14 days, they will issue court proceedings. This is now where I am up to with them, a court summons from Arrow Global, Bedford Row and their solicitors Blake Lapthorn. I am exasperated, exhausted and have spent some many hours of research and writing letters. I am prepared to defend in full and do not want to pay them another penny due to the constant harassment and total lack of consideration to provide me with the recalculations, and information requested by me and the instructions from the Ombudsman. Your help is very much appreciated and I can see it is a whole long history and I now find very confusing as to who actually purchased the debt as Citi say Atlas. I really don’t know where to start with my defence, I also want to consider a counterclaim against them for all the man hours, time and money I have spent on this just trying to get the data and information that I am entitled to. Thank you very much. J.

Hi All I've just joined because Google came up with you when I searched for global Debt Recovery Ltd. I've received a letter from them out of the blue today claiming that they are appointed by as agents for recovery of £47,751.74. Their client is quoted as being Experto Credite. I don't owe this money. It looks like a similar amount that my insurance company settled with the finance company when I had a serious car accident which wrote off the car last year, but I can't be sure it's that. The finance company weren't called Experto Credite that's for sure and it was showing as paid in full on my credit report. Should I ignore the letter or write to them asking them to prove it? Cheers

Hi all, Me again Name of claimant: Arrow Global Date of issue – 21/10/14 Date of issue 21/10 + 19 days ( 5 day for service + 14 days to acknowledge) = 8th Nov + 14 days to submit defence = 22nd Nov (33 days in total) - What is the claim for – The Claimants claim is for the sum of 7,500 being monies due from the Defendant to the Claimant under a regulated agreement between the Defendant and MBNA and assigned to the Claimant. Notice of the assignment has been provided to the Defendant. The Defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. AND the Claimant claims the sum of 7,500 TOGETHER with the costs of this claim. What is the value of the claim? 8,000 Is the claim for a current or credit/loan account or mobile phone account? credit card When did you enter into the original agreement before or after 2007? Feb 2007 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. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I remember Did you receive a Default Notice from the original creditor? Not that I remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I remember Why did you cease payments:- 2009 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? DMP entered into in 2010 but failed after 2 months I'll get the CPR and CCA letters off this weekend. Thanks in advance, AT

Morning Guys, In the post this morning I received a letter from Wilkin Chapman LLP (Arrow Team) with regard a CCJ taken out by Arrow in early 2010 (the claim number matches the one on my credit report although the amounts differ? CCJ £9266, AG/WC £8946.33). I am sure that this is an old CC debt. They have supplied a Notice of Change of Solicitor and a personal financial statement (which of course I will not be filling in). I am sure that I did not inform the OC of a change of address in 2008 (home repossessed), so no chance of a set aside. The debt itself is SB but I am aware that this means little with the CCJ. It does state though that "Our client is willing to discuss terms of repayment and consider proposals from you." My question is, can anything be done at this stage to fight the good fight? If not and without filling in the personal financial statement, what sort of full and final offer can I make to them that would satisfy their greed on the amount outstanding or a sensible monthly offer to clear the debt as quickly as possible? As always they require an answer with 7 days before going all enforcement on me. Any advice will be greatly appreciated. Cheers

I've just received a summary cause summons from Arrow for the sum of £4324.32 for a credit card debt I owe. This debt is not SB and won't be for a while. The summons is legit and I have to answer it. My question is this: If I took PPI out with the credit card, can I make a counterclaim, stating that the amount the pursuer is claiming is incorrect because of owed PPI and interest? If I did, any opinions/advice on how this might go? Or should I just bite the bullet and make an application for a pay over time? Thanks for any advice about this. I'm considering going for a midnight swim in the Atlantic.

Hi there all. I have a question regarding my account. I had a Virgin Money Account which I was paying off interest only for, for a significant time and one i had PPI on. I was paying minimum payment for some time which meant interest and charges only on it. My business failed earlier this year and I am only now coming out the other side with a salary again. The account has been sold to IDEM and noodle gives the following information. Idem Capital Securities £ 4,471 22/09/2014 Default Name nnnnn Address nnnnnnn Date of birth nnnnnnn Account type Credit Card Account number ******6888 0 Account start date 09/05/2008 Opening balance £ 4,471 Regular payment £ £ 1 Repayment frequency Monthly Date of default 28/02/2014 Default balance £ 4,471 I am now being contacted by Westcot about it daily and in letters. I would like some advice please. 1 - It seems I can still approach Virgin/MBNA about PPI and charges on this card as I believe i have a claim that may be valid. Do I contact westcot and advise them that I will be contacting them or not? 2 - What should be my next plan? I have no issue paying this debt off but i see all this stuff about CCA requests and SAR requests etc a nd I am not sure what I should do, I can ring them up and offer £200 a month not an issue. 3 - Do they have any legal right for me to disclose my financial details to them as in income and outgoings - i can see from other threads that IDEM seem to think that they are in their rights to ask lots however I don't know what westcot will want from me. Thanks in advance!