Have just received the attached letter from Bryan Carter Solicitors. Have been fighting Lowells and a number of other DCA's for years. None have been able to provide a signed CCA despite numerous SAR and CCA requests. Any advice on what I should do (if anything)? Thanks.

Hi I recently received a letter from Bryan Carter stating I owed money which I denied. I sent the "prove it" letter to them and got no response. Today I received a letter stating they would be issuing litigation in 48 hours, underneath this letter was a letter from Northampton County Court and a claim form. Should I go back to bryan carter or respond to the court letter? Should I write to the court or use the online link? I tried to access the link to see if there is any further detail there and the claim number doesn't seem to work Cheers

Good Morning All, My wife has received an initial letter from the above named solicitors(who from what I have read are a bunch of jumped up cowboy's) chasing her for an overall debt of £415.97 which she strongly believes maybe over the 6 year statute barred limit however she believes if its not then its very close to it. In this letter they state she has 14 days to respond or court action will commence without further notice. I have attached the letter(taken a clear photo minus our address) that she has received in her maiden name. Could I have advice on how to approach/what letters to send these idiots as my wife has started to get her credit history back on track but is in an employment position that if her credit history faults from here on in it could potentially put her in a bad way as she will lose her security clearance. Many Thanks in Advance C.G.

As some of you are aware I have been in the process of dealing with some of my debts. Largely due to a misspent youth. I am now trying to deal with each of these debts. I have 5 CCJ’s in total of which I have settled 2 in full. (therefore I have not listed these debts) Please see below the information that the court has supplied me with in relation to these debts:- Claim Number: ****901 Claimant: EGG PLC Claimant’s solicitor: BRYAN CARTER SOLICITORS LLP Telephone: 08453133125 Reference: EGG/***2256 Amount £297 Date of Judgement 14/06/2007 Claim Number: ****4448 Claimant: ARROW GLOBAL GUERNSEY LIMITED Claimant’s Solicitor: BRYAN CARTER SOLICITORS LLP Telephone: 08453133125 Reference: EGG/0***5372 Date Of Judgement 24/07/2007 Amount £2287 Claim Number: ****74451 Claimant: ARROW GLOBAL GUERNSEY LIMITED Claimant’s Solicitor: BRYAN CARTER SOLICITORS LLP Telephone: 08453133125 Reference: EGG/***2256 Date of Judgement 19/12/2008. Amount £1794 I phoned Brian carter regarding the two judgements that I had received for claims ending 901 & 4449 in October and made two separate £50.00 payments via direct debit from October 2007 monthly until May 08 when the direct debit was returned and I buried my head in the sand. Because the original claim ending 901 was only for part of the debt £297 by my reckoning I’ve paid more than was due because BC split the debt? Also it appears Egg then sold the debt to Arrow Global who then issued a Separate CCJ for the whole debt again through Brian Carter. One further piece of information as that both these debts have subsequently been sold by Arrow to Lowell Financial who have closed their files because Egg could not comply with my CCA Request. What should my next course of action be? As always I’m very grateful to you all for your help. I’m not as concerned about case ending 4448 because it should ‘Drop off in a couple of months) Thanks again. Kev

Hi, I wonder if I could get some advice, please... Having sent Bryan Carter a CCA request, last week I received a reply from Capital One telling me that they weren't going to deal with it because my signature didn't match their records (I had printed my name). On Monday, just as I was looking up the most appropriate response on other threads here, a Claim Form plopped through the door! For those who need this info, the particulars of Claim are: The claimants claim is for the balance due under an agreement which is now all due and payable. The defendant agreed to pay monthly instalments under agreement number xxxxxxxxxxx but has failed to do so. And the claimant claims the sum of £XXX.XX The claimant also claims interest therefore 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 £XX.XX Now, up to this point, I've been OK but as this has the potential for me to severely cock things up if I go even a little wrong, I seriously need some advice! I am pretty sure I never signed an agreement. I can't be certain but I think I filled in a postal application and then the card came in the post. I'm also unable to be exact on the date but think it was before 2000. My question, obviously, what should I do now?

Hi. I'm currently in a debt of £117.92 with Vodafone. I have recieved a letter today from Bryan Carter Solicitors. Unfortunately, at the moment I'm a full time college student, recieving no income or benefits. I'm relying on the help of my parents to get by. Due to this I'm unable to pay the remainder of the debt. Is there anyway the interest on this account can be frozen, and I will pay the full amount of the debt in September 2013. Thanks

Can any one offer any advice RE statutory demand which has been put through my letter box, it is for a credit card debt 3500 , i last made a payment on this card in december 2006. i failed to make payments after that date, i do not know what to do now . any advice would be greatly apreciated.

Hi any help would be welcome, i have a few debts and a few are with lowell but get others to collect i left all my debts at my prevous address, as could not afford them, wrong i know, but a few have followed me as i got a few quotes for insurances in past but dont know how they have obtained my new address, as first i have not fill in voting forms so they cant trace me through that, most debts will expire this year and letters if i have received i have put sender not here, another lie i know, but got one with no return address, a grey letter i iusually check online usually po boxes are debt or have orange lines across enevelope but double check, it was from bryan solictors, and gave deadline 7 days just before christmas, otherwise they take me to court, i read so where that it is last date when made payment or is date of default this was 04/2007 so should be off this time. i cant see if they do take me to court why they have left it to last minute, or do they have no chance, any help like i said will help do i jsut say never recieved any letters, and would court then see rest on my credit file as they are all of this year last one in june. lastly i have a judgement from northampton court 10/2007 could this come to light if bryan carter take me to court as read it is same court they use if thats true, but you see a lot on web and dont know what to take in also when does a judgement go off heard it 7 years not 6 like a default. anyway hope anybody can help me and what to do if worse happens thanks

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

I moved to Northern Ireland from England in 2007. To be short, I wasnt in the best of health mainly due to the job I was doing and just packed in my job and left quietly without telling anybody where I was going moved to NI to be with my partner who I had met online. I didnt bother notifying my creditors as I figured id be unemployed for a while and so wouldnt be able to pay them. In 2008 I received a letter from BC demanding £50 a month for a court order they had obtained in payment for my MBNA card. They pretty much wanted this money yesterday so I phoned them to tell them I didnt have it. The conversation went pretty much like this:- Me:- I dont have this money Them:- Well then we'll turn this over to the bailiff. Me:- Just before you send anybody round I have a mental health condition that makes me prone to violence. Them:- Youre making threats there. We will report that to the police. Me:- I have threatened nobody. Im just giving you all the information you need to make the correct risk assessment to protect the welfare of your employees. Them:- We have a court order for this amount. We can send a bailiff round if we want to. Me:- How did you get a court order? Ive never received a summons. Them:- We summonsed you at your address ********************** in Manchester. Rather than have any hassle I made payments on the account for a while and then they sent me letters saying I hadnt paid and demanding more money. At this stage I had done my legal homework and was a bit better prepared when I called them. This time the conversation went like this:- Me:- Ive already paid and I can prove it. Im not paying any more. Them:- In that case we will pass this on to the bailiffs then. We have a court order. Me:- From which court? Them:- Northampton County Court Me:- When was it obtained? Them:- January 2008 Me:- In that case your judgment is illegal and unenforceable. I moved to Northern Ireland in February 2007 and its illegal to bring a civil prosecution against a person in an English court if they dont live in England, in the same way it'd be illegal for me to prosecute your company in a Northern Ireland Court. Them:- Well we didnt have a forwarding address, so we prosecuted you at the ******** address in Manchester. Me:- Really? Thats another offence under the outlawries bill. Them:- The what? Me:- The bill to prevent clandestine outlawries. Its a piece of legislation that dates back to the Anglo-Saxon days when failing to answer a summons meant somebody was declared an outlaw and could be killed on sight without fear of legal redress. Them:- Well im sorry about that but we have a judgment and if payments arent made then we are allowed to bring a bailiff in. Me:- Well go ahead and do that, if any bailiff sets foot on my property they will be going away in handcuffs. Them:- Why? Theyre allowed to do their job, its not a crime. Me:- It is in Northern Ireland. The legal system in Northern Ireland doesnt allow the operation of private bailiffs. In the event you had a judgment from a Northern Ireland court you would contact the enforcement of judgments officer at the High Court in Belfast, but he would only seize goods as very last resort. If you send b ailiffs around the minute they set foot on my property they are burglars and... Them:- How would they be burglars! Burglars are people who break into your property and steal things! Me:- The definition of burglary is trespass with the intent to committ a criminal offence. Your bailiffs are not welcome on my property and have no authority to enter therefore the moment they set foot on my property intending to seize goods or recover payment they are committing burglary and I will see them being taken away in an armoured landrover with handcuffs on. Them:- Ill need to speak to my manager and ill get somebody to give you a call back. Me:- Dont bother if the conversation is going to take a similar tone to the one weve just had. The law is on my side on this one. This was the last conversation I had with them until 2012 when they phoned me to ask why I hadnt paid. I had actually sent them a letter explaining I was being made redundant from my job and wouldnt be able to make payments until my situation had changed. I havent heard from them since. Knowledge is power!!!!

Hi, I am new to the forum but I could really use some good advice. I have been reading some of the posts which I think may be relevant to me and have used some of the information already provided but could do with a bit of help if you don't mind? I received a letter last week from Bryan Carter Solicitors stating that a County Court Judgement was entered against me on 23/10/2012 in respect of a debt for £327.96 with Arrow Global. This is the very first letter I have received regarding this. I don't know who Arrow Global are. I emailed Bryan Carter immediately and received a letter 2 days later stating the debt relates to a credit card debt with Capital One. Apparently the agreement commenced on 31/01/2009, and that the last payment of £1.00 was received on 19th August 2009. They state they sent previous letters and made telephone calls but this is not true. I have received nothing from them at all. I then found your forum and read some other posts. I contacted the court and they sent me forms to ask to set the judgement aside which I have returned to the court yesterday. I have also asked Bryan Carter for a copy of the original signed CCA. They replied advising I needed to request this from Arrow Global, again I have done this yesterday. I have also obtained a copy of my statutory credit report from Equifax & Experian. I have accessed the Equifax report online and it shows a debt with Arrow Global for £240.00 It does not show any payments but states a default in September 2009. Bryan Carter have now sent another letter requesting payment as required by the judgement. They state payment is now due today. What should I do now? I do not want bailiffs coming to take goods to the value of the court order. I am currently on Income Support. I have also been in contact with Royal Mail as it turns out my post has been going to an empty house 2 doors down from me and I have no way of accessing my mail that has been sent there instead. If anyone can help, I would be very grateful. Thanks.

Hi I have been chased for a while for a debt for 2 barclaycard debts. A few days ago a chap knocked on my door and handed me a statutory demand. I have sent off a CCA request by recorded delivery and am awaiting a response. Would it be advisable to apply for it to be set aside if the CCA request is not received by the time the demands 18th day has passed? BW Legal has assured me it wont go any further until the CCA request has been processed, I do not have this in writing but have been told it on the phone. I have tried to read up as much as I can but there is so much info on the site im now confused ! Thanks in advance. Derek

Hi all back in sept i had a summons from uncle bryan on behalf of arrow i acknowledged service online then requested cpr 31.14 got the usaual responce bulk court so they dont have to comply but that they will send the papers but not within 7 days as requsted, time went on i put in a defence stating i knew nothing of the so called debt etc (template made to fit from here) as the POC where vague and didnt state who the debt was for and that i had broke an agreement (ive never paid them a penny) the debt is around £450 £530 with court costs. Now i have had an without predudice letter offering me to pay with monthly instalments and to reply within 7 days or they will apply to strike out my defence at hearing. i am unsure how to proceed they have still not sent any of the paperwork for the CPR 31.14 request to date and in the beginning week of december the default carter has put on my callcredit file only is due to fall off would this still happen if i took him up on his repayment plan or should i proceed different really dont want a ccj as this is the last bad thing on any of my files. Any help much appreciated thanks alot.

Had a Cap one credit card which was taken over limit due by their interest (limit was £200 and never spent more than that and have never used the account for over 7 years but continued to make min payment until I was struggling). Bryan Carter are now involved and have issued court proceedings. Have rung them and they refused any offer unless i can pay the outstanding within 3 months which I can't as it has accrued so much. I also have PPI on the Cap one account. What is the best way to proceed please? I am fairly sure that the charges and PPI on the account will be far more than I owe or at least pay most of it off but who do I write to, what do I do about the fact that they wont accept an offer and insist on taking me to court? I haven't received the court papers yet but the letter they sent said I will receive within 48 hours. Thanks for any advice

Hi all, I recently sent a Statute Barred letter to Bryan Carter on behalf of my wife as she had received a demand for payment on an account that she thought was Statute Barred. She received a reply from uncle Bryan today stating that the debt she referred to was not statute barred as she had made a £1 payment on the account in June 2008, she does not recall making any such payment, nor does it show on our credit file what should she do about it. Bryan Carter are acting on behalf of Arrow Global.

I received a CCJ for £400 from Bryan Carter in January 2008 that I have almost paid in full now. The actual debt was £8,000 and reading through these forums, I am already anticipating the 2nd CCJ for the same debt. I've read a lot about how this is against the county court rules - is there a definitive wording to put when you contact the courts to make sure it gets set aside? It seems like so many people have this issue, it may be good to get a template together for it. Also, if this hypothetical CCJ is set aside after they try to chase me for £7,600 - what is the status of the debt then? 1. Can they still chase me privately? 2. How does this debt go on my credit file? (will it be a new debt entry for £7,600 with no default date - or will it go back on the original account, which defaulted in January 2007?) Any help / advice appreciaed, thank you!

Hello I have today received court papers from Northampton County Court and also a letter from Bryan Carter stating that they have started litigation procedures against me. The claim form states that I agreed to pay monthly installments but have failed to do so. The amount is £767.18 and then with fees brings it to £892.18. I have never heard of Arrow Global and best of all the Bryan Carter letter and the court papers have been issued to an address that I lived at 12 months ago. I have moved twice since then. Its only because my friend who now lives in that property passes any mail onto me that I even know about this. I do regular checks on my Experian and Equifax reports and have never seen this debt on there! Im really concerned as to what this may be as I am about to start Maternity Leave and will be on SMP so do not have this kind of money. I am not aware of this debt at all. Am I able to defend this claim and send a prove it letter? Im worried about the correct procedures and being 35 weeks pregnant, I am struggling to get out and about to get to CAB. I also need to get this sorted asap as once my baby arrives I may be more likely to miss deadlines etc. Any help would be greatly appreciated. Many Thanks

Hi, I am new to CAG. Received a claim form from Northampton County Court regarding an a debt to Arrow Global. We have no idea who the original creditor was and have never received any notice of assignment etc from Arrow Global. The form is dated the 24th August. I acknowledged the claim on line and said I intended to defend the claim and requested 28 days to file a defence, I then sent the template CPR31.14 request t Bryan Carter. Their response was similar to others I have seen on the site except they said they would have to take their client's instructions as to the request for an extension of time. I am now left not knowing if they have agreed to this and today is the 24th Setember. Please could you tell me what to do next? do I file a defence now anyway? do they have to agree to it? Please help! I am not sure about the timescales and am worried I am running out of time!! thanks

I have received a letter from Bryan Carter Solicitors stating that i must pay an outstanding balance of £99.22 to TMobile and that this "must be paid within the next 14 days or else further costs will be added to my debt if it is necessary to go to court and therefore the outstanding debt will increase." That if I fail to act and they obtain judgment it may prevent me from gaining credit in the future and will remain on the Register of Judgment Debts for a period of 6 years (which I am assuming is like a CCJ). My issue is that I do not owe TMobile £99.22 but in fact £44.40 which I have already spoken to them about and have agreed to clear this as the account was closed and that balance was for the last bill for November 2011. What do I do? I have not contacted Bryan Carter via phone or in writing?

I recently received court papers from Bryan Carter Solicitors for and old debt with orange which was passed on to Arrow Global. i acknowledged the court papers and sent B.C a CPR 31.14 request. i received a response on 25th August saying they will be in touch in due course. Then today i received some docs that im not too sure about and would like some advice on my next move. i have enclosed all docs and letters received since i sent my CPR request and not sure what to do. PLEASE HELP ME, THANKS

Hi there I received the court letter today. It is for Bryan carter and Arrow for an old TSB account. There is nothing of this debt on my cr. So firstly I will send off the acknowledgemant letter saying I am defending all of the claim. Then I will send off CPR 13.14 to Bryan Carter - is that right?? Where do I get the CPR 13.14 from? Thanks ps what is litigation - it is not a ccj is it? What happens if I lose my case?

Hi everyone Having received today a letter from Bryan Carter stating that they have started litigation and I will receive a claim form from the County Court within 48 hours, I signed up to Experian and checked my credit report. It does not have the Lloyds TSB debt listed. It does state the following: credit accounts - 4 (2 for my bank, 1 for the mortgage and 1 fro Lowell - I will be asking about this on a different thread!) account overdue - 0 outstanding debt - £0 missed or late payment - 0 Does this mean that the debt is statute barred? Or have I missed it somewhere on the report? Many thanks

Received court papers from Northampton County Court at weekend. This basically from Carter acting for Global. For weeks they threatened court action but i never replied to their letters as i have had no dealings with them before. However, on receiving these papers now replied back to Carter telling them it will be contested. Also filed a defence on line to the above court. Just waiting now to see what happens.

Hi all, Newb here. I'm in the same position as a lot of other posters, having received a claim form from Bryan Carter/Arrow Global through Northampton CCBC on Friday. Having read through some of the threads on on here, I've sent off the acknowledgment of service to the court and sent a CPR31.14 request to BC from the template I found on here. The sum is £299 +£15 court fee + £50 solicitors costs, with no interest claimed. What happens next? p.s. I signed the CPR31.14 request, I hope I didn't make a boo boo there.

Hello all Hoping for a little advice. Have received a claim from Northampton from Bryan Carter on behalf of Arrow Global. The original debt was from MBNA and the claim is for this plus costs totalling £579. The particulars of claim mention an arrangement that I can only assume refers to the original credit agreement with MBNA but does not mention them by name on the claim form at all. Just wondering whether I should have had a letter advising the debt had been sold(I assume again) to Arrow as they are the ones taking the action when they are not the original creditor? I am not disputing the debt and probably don't have much of a case to dispute the costs either apart from I only get the letter advising of legal action from Bryan Carter today the same as the claim The letter ask to call him to discuss the matter so should I do this first before I answer the claim to try and resolve it? Any thoughts/past experience with this company and how they operate would be useful so I can decide what to do would be useful. Thank you