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!

Hoping someone can give me some advice here. Arrow Global and Restons have issued me with Court papers for an HBoS debt which goes back to 1997! Over the past 10 years I have requested the CCA and have SAR'd other DCA's but the CCA has never been sent, only an Application Form with retyped up-to-date Terms and Conditions. Now, of course, Arrow Global have applied for a CCJ. I don't think I would be able to go to Court myself (as a pensioner I don't have the funds for the trip to Northampton for one thing) but do you think I should dispute it? And if so, how?? Regards Chickenlegs

Hi please can you help me, I have received a court claim from Arrow from Northampton Court, for the claim of £4900, issued 8 days ago was a bank loan issued opened up in 1998, , last know payment was 2008/9. I have not acknowledged this debt, or any comms from me to Arrow I have filed online that I will contest this claim, hopefully on Limitation Act 1980 can I now send off a CPR18 request to their solicitor ? what is should I be asking for in the CPR 18 ? All of the below 5 details ? 1.The agreement/contract, including the specific Terms at the point the alleged Agreement was made and any subsequent changes. 2.The deed of assignment 3.The notice of assignment 4.The default warning letter 5.The default notice (CPR 31.14 Request only worth doing if debt is over 10k. I may have this totally wrong..) I have read that some people think that a CC Agreement request letter is not really useful (sorry, I cannot remember their reasons for stating this) Is it worth it your opinion to request CCA from the DCA? shall I ring up my old bank and ask them for the last payment date ? thanks for all help in advance

Help please. I have received a CCJ claim pack from Rentons solicitors in regards to a apparant debt linked to a overdraft I have no knowledge of. I have answered the default questions below. Can someone please offer advice / assistance on what I should do now please. I have completed the Acknowledgment of service on the money claim website so the clock is ticking now. Please help Name of the Claimant ? - Restons / Arrow Global re: Lloyds bank overdraft Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. Date of issue : 04/04/2017 What is the claim for – the reason they have issued the claim? - The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Lloyds TSB dated on or about Dec 30 1994 and assigned to the Claimant on Nov 20 2013 PARTICULARS a/c no xxxxxxxxxxxxx DATE 10/02/2017 ITEM - Default Balance VALUE - 4500 Post Refrl Cr - NIL TOTAL - 4500 What is the value of the claim? £4500 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? - Appears to be a overdraft for a account I have not used since 2011. When did you enter into the original agreement before or after 2007? Yes - appears to be Dec 30 1994 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. Appears to be debt purchaser - Arrow Global Limited. Were you aware the account had been assigned – did you receive a Notice of Assignment? No - I have not received any documentation in regards to the debt - didn't know it existed before receiving the CCJ claim pack as I was working out of the country since February 2011 Did you receive a Default Notice from the original creditor? No - Left the country in 2011 so have received no communication from Lloys of anyone in regards to this debt. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - As above - Nothing received. Why did you cease payments? - Left the country - left account open but was completely unaware of any outstanding overdraft. What was the date of your last payment? - Nothing paid into account or account even used since Feb 2011 Was there a dispute with the original creditor that remains unresolved? No dispute. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan - No communication at all ever had. What you need to do now. If you have not already done so – send a CCA request to the claimant for a copy of your agreement (except for Overdraft/ Mobile/Telephone accounts) - This appears to be for a overdraft - shall I still send CCA ? Thanks in advance for any advice guidance given.

Hi there I have received a hand delivered envelope (I haven't signed for it, don't know if that makes any difference) containing a Simple Procedure Notice of Claim by Arrow Global for an Aqua credit card debt. I have never received one of these before and I am not entirely sure what it is. Is this a fishing expedition by Arrow to pressure me to respond - there are no court stamps on the letter or date to attend court. A Time to Pay application has been included. The amount they are asking for is more than the credit limit as on the card, I assume the balance is made up of fees/late payment charges. If I ignore it what will happen - is it likely to proceed to court? The balance is for £737.00. I took out the credit card in November 2014, Arrow say they purchased the debt from Aqua in August 2016 and that they have sent letters on 2 occasions in May 2017 to which they had no response - I do not recall ever receiving these letters. I did make repayments to the card, but same old story, I got into financial difficulty, they started adding on late payment fees and it all snowballed from there. I am unemployed at the moment and not claiming benefit as my live in partner works full time. I do not receive any tax credits, just child benefit for 1 child. Can anyone help me as I don't really know what to do here. I have until 14/09/2017 to respond. I have been reading the forums but there is so much information on there and I don't know where to start. Thank you.

DX, or anyone, can you help with a wee quick question (or 2) please...? Thought I'd just use this old thread of mine, rather start a new thread - hope that is OK? My friend has been served with a Summary Cause (Scotland).. . I have sent a CCA request, on her behalf, and await the outcome. It is pre 2007, and by the looks of her credit file, the default date on her account was just a week or two OVER 5 years ago, from the date on the court paperwork - meaning, I think, it is already statute barred. She assures me she's not had any contact with them, nor made any payment in that time. So, it may be a clear cut case, based on the statute barred status of the account Am I correct in assuming that the statute barred period starts on the date of default of the debt? Also, the papers were simply posted thru her door, but state they were delivered to her in the presence of a signed witness. In other words, they didn't send by recorded delivery, and nor did they hand them to her in person. Does this not mean that they were served incorrectly? It is shoosmiths, acting for cabot, for a capital one debt. I think they are on a hiding to nothing, but I'm interested to know if, rather than going to the bother of defending, that I can simply write to them, on her behalf, stating they've both served the papers incorrectly, and that the debt is statute barred, and threaten to go to court to defend and seek all possible expenses... I've won 2 Ordinary cause actions roughly based on this method... Any quick advice please guys and gals?

Name of the Claimant: ARROW GLOBAL Date of issue : 05 January 2018 Date of issue 05/01 date to acknowledge - 23/01 date to submit defence = 06/02 What is the claim for: 1: The particulars of the claim is for the sum of £4877.34 being monies due from the defendant to the claimant under a regulated agreement between the defendant and HBOS plc (no: xxxxxxxxx) and assigned to the claimant on 29/06/2017, notice of which has been provided to the defendant 2: The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant of the consumer credit act 1974 3: the claimant claims the sum of £4877.34 What is the value of the claim: £5142.34 with fees attached The claim is a for a credit card debt When did you enter into the original agreement before or after 2007: Before 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: Yes Did you receive a Default Notice from the original creditor: probably, cant recall fully as it was 2008 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year: i don't think so Why did you cease payments: 2016 (had been making token £1 payments up till this point) What was the date of your last payment: not sure, sometime 2016 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: Yes in 2008 but debt was sold off and £1 token payments remained in place with various collection agencies As per above, i will apply for a CCA and a CPR from shoosmiths but any advice on what else i can do is much appreciated. thanks

Hi all I got in a lot of debt trouble 5 years ago. I managed to negotiate full an final settlements with all but one - MBNA. I've moved 4 times since then and they never caught up with me. Out of the blue I received a letter from Restons Solicitors acting on behalf of Arrow Global, who apparently own the debt now. The amount is £7,984.39 I am about to send a SAR and a CCA to Arrow Global. What should I do otherwise? Also what sort of F&FS would they offer me now - part of me just wants to get this off my back but obviously if I can string it out or fight it I want to. Thanks Ben

I have (or had until recently) a secured loan with GE Money for just under £25k. I had got into difficulty back in March 2015 with repayments and ended up going to court to stop repossession proceedings (which I did). All had been going well and agreed repayments made until June this year when GE sold the debt to a company called Arrow. No explanation given, just a letter stating they were exercising their right to transfer ownership of the debt. So, GE advised me that Arrow would be in touch with my new account details etc. in due course. Since I had been making the mothly repayments via electronic transfer (GE were being difficult about setting up a DD), I tried to make July’s payment as normal but my account had been closed at GE. Then at the end of July I received a letter from Arrow with my new account number but no details on the total debt they had now taken over or what the monthly repayments should be. I wrote to them (I can send you a copy of my letter) on the 8th August asking for clarification on what my monthly repayments should be. In the meantime, I completed a direct debt mandate and informed them that I assumed the repayments would be at the previous figure set by GE. No response was received and the direct debit to Arrow commenced on 1st October 2016 at the rate set by GE. I then received a letter from Arrow this month stating I was over £2000 in arrears (!!) and they would be asking a representative from Excel Counselling Services to visit my home to discuss the debt and how I could propose to repay this. The letter was worded in a non-threatening manner and no legal proceedings were motioned HOWEVER I have enormous warning bells going off in my head having read up on Excel and visited their website. I received a letter from Excel today stating they will “visit my property unannounced” if I do not telephone the contact given on the letter to arrange a home visit. This in itself is scary, especially since it is half term and my daughter is at home this week. I do not want to expose her to this. I really do not know how to proceed with this and would greatly appreciate some advice. I fear this is the start of eviction proceedings all over again and that Arrow are playing the softly softly approach before going for the jugular!

Hello. Last week out of the blue i got a letter from Arrows saying i will get a credit card refund due to Lloyds not sending NOSIA in 2010. They have also enclosed a DN It shows a balance and payment received but no payments have been paid at all since that date. As the "refund" has been paid into the Arrow account does that now mean as no money was paid off the debt in 7 years the refund now starts the 6 year rule? It says as the account is in arrears i will have to pay by the end of the year if not then debt collectors will be sent to me. Is this a fishing exercise or a new tactic by these firms?

Name of the Claimant ? Arrow Global Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 4th August 2016 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - 6th September What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. The claimant claims payment of the overdue balance due from the defendent under a contract between the defendent and Egg dated on or about Mar 30 2006 and assigned to the claimant on Nov 30 2015. What is the value of the claim? £4000 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Unsecured loan When did you enter into the original agreement before or after 2007? Before 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. It is the debt purchaser who issued claim Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial difficulties What was the date of your last payment? June 2011 although they claim July 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 managementicon plan? Yes Hi I received a claim form from Restons on behalf of arrow global. It's from a loan taken out in 2006. I got into financial difficulties in 2011 after entering into a reduced payment arrangement for a few months I stopped paying. I hadn't heard anything from them until recently. I have read lots of threads and have acknowledged the claim with intent to defend. I realise I have to send a CCA and CPR 31.14 Request. I would like to know whether I can ask for the notice of assignment, default notice, termination notice and statement of account if none of these documents are mentioned in the particulars of the claim? They only mention 'a contract'. Is this covered by the CCA request or should I put this in the CPR 31.14 Request too? Many thanks for your help

hello new here can you help i had solicitors letter on behalf of arrow saying they want full payment today or they will take me to court its been over 6 years since i paid off the halifax credit card, yet they saying i have not paid ive moved house since few times so no proof and my post comes on a redirection so they dont know my new address, phone number job or email addresses i know its a mistake can i ask after 6 years is the claim dropped? is it no longer enforceable? only got the letter when i got in last night and they only gave me today to contact them well im at work so cant is this scare tactics? had previous debt collection letters from them and wescot, i ignored them and they gave up now arrow sent solicitors letter and threatening legal action what can i do? i know it was paid years ago but moved house why did they get in touch now after all this time? is it best to ignore them? regards maggie

hi i have received a letter from arrow global, i opened the letter because it was in my name, it seems to say that i owe money to drysdenfairfax.com, i am shocked because i dont owe money to any one, i would appreciate some advice please, thank you in advance

Can anyone advise? Ive received a letter from Arrow Global informing me that they have instructed Shoosmiths Solicitors to contact me to recover £19440 for a Mortgage shortfall from a Northern Rock Mortgage in April 2007. I remember owning a house around that time and did have a Northern Rock Mortgage but to the best of my knowledge the house was sold and the Mortgage paid off in full. I have never in the last 11 years had any correspondence from anyone informing me of any shortfall from the sale, so i am somewhat bemused as to where this has come from. I no longer have any paperwork from the sale and cant even recall who i used for conveyancing. Where has this figure come from and surely the solicitor i used during the sale would not have released the keys if there was any amount outstanding and due to the mortgage provider?

I have a joint account overdraft debt (First Direct) from 2005 which has been on my Payplan DMP since 2011. The current DCA (Arrow Global) appointed Restons Solicitors who sent Claim Forms to both me and the other party, my ex. Payplan sorted my reply offering £1 per month. I didn't realise that my ex needed to send Acknowledgement of Service and I told him, wrongly,that I had it sorted with my DMP. The claimant rejected my offer and the court issued me a judgement by determination for £20 per month. My ex was sent a judgement by default. (The amounts on the two judgements were different, and on his default judgement it stated he'd paid £1, which he hadn't - it was my £1 from my DMP). I subsequently applied for a redetermination as I thought we would each submit budgets and he would start his own DMP and we could get the monthly payments reduced. The redetermination hearing is next Wednesday and states both me and my ex as defendants. My ex is long term unemployed, on jobseekers allowance and housing benefit. I am 58, self employed, on a low income and in receipt of working tax credit. Neither of us has any property, savings, assets, insurances, or anything of value. The debt is the second smallest on my DMP (total debts £24.8k). My ex is furious that he now has a CCJ and refuses to attend the hearing and refuses to do a budget. I feel responsible for sorting out the mess. My girlfriend has now offered to pay the claimant in full & final short settlement if the claimant will agree that no further liability is due from either party. Total being claimed is £461.80 plus £107 costs, so £568.80. After a couple of offers and counter offers, Restons said on 22nd Nov they would accept £422.85. I offered £400. Restons say they are waiting for Arrow to decide whether to accept my £400 offer. They're both dragging their feet unnecessarily I feel. Since it's less than 5 days before the hearing it's too late to apply to "vacate the hearing" so I must attend the hearing, alone. I need to email the court to tell them of this new development and also include authorisation from my ex. I want to email the court today or tomorrow latest to tell them about my offer, also including email from my ex authorising me to do that, also that the delay is down to the claimant. How should I word my email, how should my ex word his email, and since its a redetermination hearing that I applied for, how will the offer of short settlement affect the hearing especially since my ex won't be there. I know I ought to have sorted this out sooner but I have ADHD and also long-term depression, which makes life difficult sometimes. When I originally got into debt, before my DMP, things got so bad that I had a breakdown I'm better now. I've spent hours and hours looking up civil court procedures, protocols, practice directions, legal processes, advice websites, CAB signposted me to RCJ free advice session and they suggested I attend the hearing with my budget, which I will do. I just need to know how to handle communicating with the court about the changes, and at this late stage I can't afford to make any more mistakes. Any relevant advice much appreciated. Many thanks

Hi all, I'm putting this here in this section as Restons are threatening that I will be receiving a county court claim soon. In April 2009, I was offered a Vanquis card and I took it. I fell in a rough patch mid 2010 with payday loan spiral, and towards December 2010 I started missing various debt obligations. I was drowning under Vanquis as well, they would take my payment, and then their ROP charges pushed me over the limit and then I'd get a late payment fee added. Mid January 2011, I put the account verbally in dispute with the person who had phoned me, demanding additional payment. Credit limit was £250, they were chasing me for £700. Few debt collectors have come and gone, I've always ignored them. Beginning of March this year, I got a letter from Restons, demanding payment. I emailed them and said sorry, I don't acknowledge any debt to you. This was shortly followed up by another letter, saying I owed them £780 for the Vanquis card, last payment date: 18th January 2011. I responded, saying sorry, this is statute barred. They responded saying: Totally fed up by this now, I responded to their email, stating that I had already told them it was statute barred and that the date someone decided to issue a default notice had no bearing on the statute barred date and I suggested they go read the Limitations Act of 1980, and that if they decided they still would like to continue to take me to court, I would be requesting the courts to regard them as Vexatious Litigants and I would be requesting compensation. I then got the very snotty letter attached. Next course of action? Ignore until I either get a county court application as they have threatened, or should I be doing something now? I've just sent off for a SAR to Vanquis as well. restons threat.pdf

Name of the Claimant - Arrow Global Guernsey Limited Date of issue – 13th October 2017 What is the claim for – 1.The Claim is for the sum of £5984.20 in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNA under account number XXXXX under which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3 The balance owed was assigned from MBNA to the claimant and the defendant has been notified by letter of the assignment by letter. What is the value of the claim? - £6494.20 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? probably around 1999 and originally with Alliance & Leicester. 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. ARROWS Were you aware the account had been assigned – did you receive a Notice of Assignment? I may have done but don't remember for sure. Did you receive a Default Notice from the original creditor? Again possibly, but I don't remember clearly. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year went through a period at a different address and also had a lot of unopened mail...so as before, I can only say these may have been received. Why did you cease payments? The company I worked with at that time, went into Liquidation and my income was then drastically reduced and hence I could not keep up with the payments on my Cards and loan. The situation was impacted further, by a couple of heart attacks and another since. What was the date of your last payment? As far as I'm aware, not since around 2008. I had been making payments to some creditors in 2015, but I don't recall this being one of them. Was there a dispute with the original creditor that remains unresolved? No, I don't recall a dispute with the original creditor. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, first in 2007 to Alliance & Leicester..... this in respect to the specific debt detailed here and also other debts/loans on cards and a bank. This is something I arranged myself with each of them - first stopping all the substantial PPI premiums I was paying on each; requesting the interest to be frozen [agreed] and then paying a percentage of the usual monthly payments, pro rata the size of each debt. Assuming MBNA took the card over from A. & L. at some point, I don't recall having had any communication with them at all. This is a new CC claim I've received from Arrow Global, regarding an old MBNA/Alliance & Leicester credit card. The questionnaire completed below.....as had be requested in another thread I was being helped with. The "claim for" details provided are as written on the claim form. Thank you.

absolute newbie! Please help! have received a letter from Arrow Global headed "NOTICE OF ACCOUNT TRANSFER TO NEW AGENCY" dated the early August 2017. it states the original agreement HSBC - overdraft/original agreement date year 2000/transfer date to Arrow Global Jan 2016/ outstanding amount owed to Arrow Global 11k+ and advise I need to direct all enquiries to Restons Solicitors. Letter 2 from Restons dated 18th Aug 2017 Re: Arrow Global Ltd v Yourself. Saying hey act for them and they have reffered your account o us for legal action., together with an financial statement form. Letter 3 dated late Aug 2017 from Restons now saying they have been instructed by Arrow Global to seek payment and advising I have been notified of their clients acquisition of rights to this account. Then further that failure to contact them by the 12th Sept 2017 may include the issue of a county court claim. The so called debt information is incorrect. Banking facilities were withdrawn by HSBC 2014. This debt went first to moorcrap and I think another before Arrow. what should I do next please

Hi, I've just returned to the UK after being abroad for 5 years studying, I moved into a new flat and tried to get electric moved to a credit meter and was denied. I requested my staturtory credit file and have found that Arrow Global have registered a CCJ against me with judegemnt by default (date 20/07/2017). I had no warning or knowledge of this and they used an address that I moved from at least a year before I left the UK. I've no clue what it is for, and have no idea how to go about dealing with this properly. Ideally I'd like the CCJ set aside but first I have to find out what it is for? Thanks

Hi Everyone, I've been trawling through posts to see how I tackle my problem. I'll give the background of the debt followed by the steps I think i need to take, if i've understood things correctly, I would be very grateful for confirmation and any advice, as I'm really terrified of the consequences. Original agreement:- mbna credit card taken out in July 2001. Managed comfortably for nine years, career change put me in big trouble, couldn't pay. Tried to amicably arrange agreement with Default date May 2010. Assigned to Arrow Jan 2012. Today claim form arrived from Northampton court. Claimant:- Arrow Global Guernsey Ltd. Date of Issue:- 12th August 2014. POC:- The Claimants claim is for £18k being monies due from the defendant to the claimant in respect of a regulated credit card agreement between the defendant and Mbna (No. ................) and assigned to the claimant on ../../2011, notice of which has been provided to the defendant. The defendant has failed to make payment in accordance with the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. The claimant claims the sum of £18k The claimant has not included interest. Arrow are the debt purchaser and claimant. I did receive a notice of assignment from Arrow. A default notice from Mbna was issued in june 2010 (the only one, no subsequent statutory default notices). There were no real disputes with Mbna. The interest rate on this card hovered around 5% mark for several years as I remember, with a sudden progressive rise up to around 40% in a relatively short period. The PPI was a % of monthly amount outstanding. I made a call at the time when I was keeping up regular payments, to get this stopped because it was so expensive, and was fobbed off. As I understand matters I need to do the following:- 1) Send SAR off to Mbna with £10 P.O. 2) Send CCA to Arrow with £1 P.O. 3) Send CPR 31.14 to Wilkin Chapman Solicitors (Arrow's Solicitors). 4) Respond to the court claim. Any advice would be more than welcome here and in particular with relation to the response to the court. Many thanks.

Hello, ive had a letter from Northampton court today for an alleged debt for a catalogue, I think I vaguely remember maybe having this but if so it was many years ago, claimant is Arrow, particulars are. .... the claim is for the sum Of £1482.17, with shop direct ( Carval) under account number .... ..... upon which the defendant failed to maintain payments. a default notice was served upon the defendant and has not been complied with . the balance owed was assigned from Phoenix recoveries to the claimant and the defendant has been notified of the assignment by letter. contact drydensfairfax. Court letter dated 13th October 2017? I get 5 plus 14 days to respond to moneyclaim? Sent cca requests etc, as this is the first letter ive received about any of this. many thanks

My wife has been paying £10 per month to Restons for well over a year to clear a credit card debt with a current balance of approx. £1,500. Restons asked my wife to fill out a financial statement which she did on line, they have now increased the payments to £150!!! My wife is an agency worker with no guarantee of work so the fact they have increased the instalments is due to my income. Can they increase the monthly instalments based on my income when it's not my debt? Just to confirm Restons are acting on behalf of Arrow.

I had a letter from shoosmiths threatening legal action if they didn't hear from me in 14 days. I CCA'd arrow and sent a CPR request to Shoosmiths for the agreement, default notice, assignment etc. I have just heard from Arrow saying that as it was an overdraft it isn't covered by CCA regulation and Shoosmiths saying much the same and saying they will now take court action. Shoosmiths also sent a statement of account the debt they are claiming relates to a M&S personal reserve account which as far as I was aware was a credit account not an overdraft as I have never had an overdraft or bank account with M&S. What is it best to do?

Morning all. A rather heavy brown envelope arrived yesterday. Ive been ignoring the shoosmith letters (as to avoid "letter tennis") but they've gone for the cc. ex-M&S, over £7k. I'll get the details up in my next post.

Hi Ive received out of the blue a court claim form from Arrow Global saying that I owe nearly £22k to Egg but Ive not heard anything for at least 10 years until now. Please can you advise me whats the best course of action as Ive acknowledged the claim on moneyclaim to get another 14 days on this. Can this debt be Statute Barred because of the age of it? I need to file my defence before 18 October before 4pm online. Ive sent a CCA request to Arrow & their Solicitor Restons and had a reply from both of them to say theyve requested CCA paperwork from Egg but so far I havent received anything since 4 October. I look forward to hearing from anyone soon. Thanks!