Anyone heard of these please

Hi, This is an issue I'm having with Parcelforce at work. We had a package that we needed to ship from the UK to Belgium on a next day service. This was originally booked in for collection from our offices on 18th December last year, and the package didn't eventually arrive until 27th December (it may have been the 28th, but the tracking information is still not updated). I complained to Parcelforce over the phone because I had performed due diligence in searching for the best shipping service and our parcel hadn't arrived next day. The tracking information hadn't been updated either, which was contrary to their statement that they offer a fully tracked service. The service I selected was Parcelforce Global Express service. I was told over the phone that it wasn't a next day service and that they only quote "from" next working day. If I'm honest I was quite shocked I'd been caught out like that, and amazed that it would appear as though a company the size of Parceforce would intimate they're offering a speedy service and use wording to absolve themselves of any responsibility if the shipment was delayed. They also confirmed that they had in fact farmed it out to Fedex - Personally I think that if a company is masquerading as a shipping company they should be upfront about using third parties as this would naturally play a part in altering my business decision to use them as a company or not. For instance had I known they were using a third party and the delivery date was not guaranteed at all, and that they don't in fact offer a fully tracked service I would have not chosen to use them. I was advised to send a mail to parcelforce@parcelforce.co.uk (I don't even believe this is a true e-mail address as it sounds like something they would give out to get rid of customers). E-mailed it a couple of times with my complaint. Had no response, and finally settled on raising a dispute with Resolver. To their credit, they did respond quite quickly. The first paragraph of their response outlined that "most" shipping companies describe their services as "from" but they offered me 50% refund. I went back to them to push our case for a full refund, and they then responded with the most astonishing thing I've ever heard - I disagreed with their earlier comment that most companies describe their shipping services as "from" and listed a few companies that did offer guaranteed services. Their response was that I was mistaken and confusing carriers and couriers. I believe what Parceforce are saying is that they are a carrier and the other companies I used as examples are couriers. My question would be - What is the difference? From looking on line, all I can find is that a carrier collects lots of parcels and delivers them all on one van. Whereas a courier collects your parcel on a given date and delivers direct to the delivery point? That's where I get confused because if Parcelforce are saying they are a carrier, the delivery service I selected was a pickup service delivered to my delivery address. Surely that puts them half in the carrier camp? Personally I find their response in arguing over semantics and terminologies to be quite laughable for such a company, because as a layman how am I supposed to be aware that they are a carrier, and what the difference is between the two? If someone selects a global fully tracked express service with collection from our door, surely it would be reasonable of me to expect that they would provide that sort of service?

Hi all. My mother has received the attached from Arrow. It purports to be for an over payment on a former debt which has been cleared some time ago. I can confirm that the debt did exist. I'm just querying whether this is legit and not some sort of phishing exercise. If it is legit could you advise on next steps? Many thanks in advance. DD Wales

Hi everyone, I'm new to this forum and would be grateful for any advice. My mother took out a Virgin credit card back in 2010, she suffered a number serious health issues, lost her job and could not afford the monthly repayment. She continued to make reduced payments, until she was no longer able to afford these either. I carried on paying token amounts on her behalf over the last 5-6 years. The debt was passed on to a number of DCAs but I continued to pay Virgin directly. Recently a letter was sent to my mother titled "change of Agency" from Arrow and one from Shoosmiths requiring a I&E form to be completed for "payment plan review". My mothers health never recovered, to the point where I manage her finances, the only income she receives is ESA/PIP and I top up to pay the bills and rent. If I fill out the form, her basic expenses significantly outweigh her income, so I'm very unsure how to approach this and would be grateful for any advice. Thank you.

Completely out of the blue Arrow Global have sent me a 'Periodic Statement' in relation to and old MBNA credit card account that they purchased (or so they say) in 2011. This is the 1st communication I have had from them in years! This debt is no longer showing on my CF and it's SB mid 2019. They say I need to contact Capquest which will explain why I've been receiving texts from Capquest. Has anyone on here had the same happen to them and can anyone explain why Arrow have decided to send me this now? Many thanks Fred

Charity regulator finds serious failings at unregistered organisation READ MORE HERE: https://www.gov.uk/government/news/charity-regulator-finds-serious-failings-at-unregistered-organisation

I currently have a CCJ against me that was entered into by default judgment in 2014. The initial court paperwork was sent to an old address but was passed onto me, I did submit a defense but it arrived a day late and was struck out and judgment was entered into by default. I was recovering from a serious illness that affected me both physically and mentally and didn't have the capacity to be able to deal with it at the time. The Timeline is as follows: 2010 Default on credit file 2014 CCJ Default Judgement 2016 Default was dropped from credit file but CCJ remains 2018 I sent letters to the claimant and solicitors asking for proof of claim Claimant: Arrow Global Limited Solicitor: Shoosmiths Particulars of Claim: 1. The claim is for the sum of 7545 in respect of monies owing by the defendant on a credit agreement held by the defendant with Sainsbury's Bank PLC under account number XXXXXXXX upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between Sainsbury's Bank PLC and the claimant, the claim vested in the claimant who has a genuine commercial interest. The defendant has been notified of the assignment by letter. Contact drydensfairfax solicitorson : 0113 823 3850 In January 2018 I wrote to Arrow Global Limited at the address on the claim but my letters were returned undelivered. In February 2018 I wrote three letters to Shoomiths, I have proof of these letters being delivered. The first letter: A formal request for them to supply me with the credit agreement mentioned under the particulars of claim under sections 77-79 of the Consumer Credit Act 1974 The second letter: A subject data access request. The third letter: Request for documents mentioned in the statement of case under CPR 31.14 1. The Agreement 2. The deed of assignment 3. The notice of assignment 4. The default warning letter 5. The default notice I gave them two weeks to send me the above. I received a reply from Shoomiths a month later, they complied with the subject data access request and responded to my letters. In their response they stated the following: They confirmed that they have requested the following from there client Arrow Global Limited: 1. Statement of Account 2. Agreement 3. Notice Of Assignment 4. Terms and Conditions They stated that Arrow Global Limited has been assigned the debt pursuant to the Law of Property Act 1925, they stated I am not a party to the agreement and I am not entitled to a copy of the Deed of Assignment, They said that any other information I have requested to be disproportionate and that they do not agree with my timescales and will contact me again once they have received the documents. It's now 4 months later and they have not provided me with any documentary evidence to substantiate their claim. I am hoping to now write to the court stating that I have requested the evidence of the claim, I am yet to receive any and propose to set aside the claim on those grounds. Any advice on how best to proceed here welcome. If they are unable to prove their claim then surely there is no claim? I need some help and guidance on approaching this in the best possible way. Many Thanks

Today I received a letter from Arrow Global saying they have reviewed my account and I am due a refund of over £800. They say to ring to arrange the process of the refund. It is an 0333 number so I am considering ringing to find out what it relates to as, as far as I know I have not had dealings with Arrow although over the years I am aware that my debts have been transferred to other agencies . I know there have been lots of threads relating to Arrow and similar DCAs contacting people about debt collection but nothing mentions refunds. I am not sure if it is a [problem] but if at some point I have overpaid I would like to get the money back. Has anyone had any experience of this?

hi all wife received a ccj from Weston super mare court we will ask for it to be set aside as she had no prior notice of action as, after looking into this they buy debt from others. Where would I start with a cca to find out how old this debt is and who it is from do I speak with arrow first - seems logical and then once I know who the debt was originally with i then send out a cca to that firm? thanks

Hi all : haven't posted in a while. Had letter out of the blue yesterday from Global Debt Recovery Ltd (New Malden) Client Jefferson (Insurance Product) sum of just under £100.00. We are today appointed as agents for the collection.......basically giving me options how to pay etc Never heard of this company and quite frankly don't recall any insurance owing. Any advice on how to respond please kind regards

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

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 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!

Hello- background: debt dates to 2005 with a pre-approved credit card, the limit being increased and increased unasked unti 2008 when BAM! Then i set up a debt management plan with the CCCS, and paid into that until feb 2012 and not a penny since. A couple of weeks ago i got a phishing letter from wescot addressed to me at this address asking if the address was correct and saying if they didn't hear back they'd assume it was, no detail as to what it was for. I didn't reply. Today, letter from wescot saying they have been instructed by their client arrow global ltd-egg, to make contact with me to discuss the outstanding balance (£19,900) and telling me it is essential to contact them within the next 10 days to prevent further action. Now... what do you advise here? how likely are they to produce a CCA after so long? It's months away from being statute barred.. should i ignore it? I haven't heard anything for the last 3 years, i *think* they must have been given new address by old landlord getting sick of them constantly writing there. They don't have any certainty of my current address, are they likely to push for a CCJ under these circumstances? Advice gratefully received!

Hi, I'm hoping someone can advise me on the above. I received a letter from Shoosmiths LLP Solicitors yesterday stating that they are acting on behalf of their client etc. and intend to take County Court Enforcement action within 7 days if no response. There is a CCJ of £12,703.99 outstanding that was judged on the 24/10/2014 which I've been unable to pay due to various circumstances. Not to give the impression of a sad story but a poor set of choices lead to a path of divorce, court battles, working two jobs, overdosing children etc etc. leading to suffering from depression and anxiety and have been on meds for some years - like many others out there, and like many others I haven't dealt with issues very well. I'm not objecting to the debt but I'm not sure how to go about responding to this. Can anyone advise me please? Some help would be greatly appreciated which I will gladly reciprocate on any part of my knowledge and experience. Spannerboy

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

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?

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.

Hi, Could I ask for some advice on how we should handle the following situation, that has recently cropped up. This problem started we believe way back in 2011, we went to the car phone warehouse to change a telephone that we had on contract with Orange. We were told that since Orange no longer supplied mobile phone services the mobile would be registered with EE the new Orange provider. We changed the telephone over and the assistant at car phone warehouse confirmed with Orange/EE that the old contract was now cancelled. Then some months later Orange sent us a bill for 3 months connection charges for the old telephone, we spoke to Orange a few times by telephone and they finally agreed to sort the account out and remove the charge since we no longer had that telephone. We then moved address, although both me and my partner still had EE phones so EE had full information of all of the addresses we had occupied. Now in 2017 my partner attempted to get a small item on credit and were shocked to find out that she had some sort of issue on her credit file, when we look at her credit record on a free credit database service, we were shocked to see that Orange had somehow and for some reason registered a debt of £125 against my partner causing issues on getting credit. we may need to get a small mortgage soon so we were really concerned about this. we have called EE and they quickly passed us over to Orange (although they are supposed to be the same company we thought) The Orange contact we were given was an email only service. The initial response we got back from them once we had highlighted it was that they could not find anything on their system to do with our account. Also EE had said they could not see anything in their records pertaining to this debt. We emailed Orange a second time and told them to look harder since it appeared that Clear score had something registered against my partner for, a mobile phone issue. after taking her d.o.b etc they looked again and this time they found something but could not be specific about when it occurred? At first they telephoned my partner and said said the issue occurred in 2011, at an address which we did live at in 2011, then when she advised them that we did not owe the money since it was from an old mobile that had been transferred by them to EE, and that the debt should have expired anyway since it was 6 years ago. The person at Orange then emailed her to inform her that the issue occurred in 2014 (he had appeared to change his mind?) but that the address it occurred at was the old address (we did not reside at this address in 2014). they advised us that they could do nothing about the issue and that we would have to speak to EE customer service, we again spoke to EE customer service who again told us they could do nothing since it was with Orange Credit team ?? We emailed the Orange credit team yet again and they said that the debt had been passed to a DCA, and asked us if we had received any letters from said DCA (Arrow Global Limited). We advised EE that we were extremely disappointed and that we want them to escalate it, we have heard nothing yet and now we are considering what actions to take moving forward. We have not communicated with the DCA since we have no contract with them and don't want to put ourselves in any situation that means we are in contract with them. Could anyone give us some advice on how we could/should proceed with this. Any help would be appreciated. Many Thanks, John.

hi, I have an old dept for a loan taken out for a repair on a house that was in a joint mortgage but was repossessed over 8 years ago poss longer. the loan is for £8000 arrow have brought the debt and are throwing every thing plus the kitchen sink . I have now been sent court paper work and I'm not sure if its a legal form it has a claim no. I'm not sure if it has a legal stamp mark, the court office is Northampton but the stamp is just marked "the county court" and does not seem to be a separate stamp just the same ink as the letter. the last payment I made was paid on aug 16. I am living with my partner now and we are struggling with the usual bills plus being behind on the mortgage as she was left with a lot of debt when her husband left her. I just have no idea what to do now

Playing letter ping pong with Restons regarding an alleged debt from Arrow Global Brief timeline Beginning of June received the usual threatening letter, asking for a breakdown of income and possible discount if I settle early blah blah blah Sent a reply within a few days later using a Pre Action Court Protocol letter I had found on the another forum Got a standard template (seen similar letters uploaded on forums) reply back from them stating they did not agree with most of my points and I had already received all the requested documents over the lifetime of the account so I should check my own personal records. I then sent them a reply back stating... Further to your letter dated xxxx. I would highlight the fact that I do not accept that this debt is owed by myself to you or your client and this was clearly stated in my previous correspondence. Also the information I initially requested under the County Courts Pre Action Conduct has still not been forwarded to me. You may believe whatever you wish, but the law does not stand for interpretation or opinion, and must be complied with. The Civil Procedure Rules are there to be abided by, not flouted or ignored, and as the alleged purchaser of any alleged debt, you must, by law, be provided with all the paperwork necessary to prove ownership and legal rights to pursue any repayment, and this includes the Original Agreement and the Deed of Assignment. Both of which you will be required to produce in court to substantiate any county court claim. I therefore require you to cease and desist any further attempts to misquote or ignore the law, and to either provide me with the required documents as per my aforementioned letter, or stop threatening me with legal action, which is not only in breach of CPRPAC, but also FCA regulations, to wit: 7.3.18: A firm must not threaten to commence court action, including an application for a charging order or (in Scotland) an inhibition or an order for sale, in order to pressurise a customer in default or arrears difficulties to pay more than they can reasonably afford. If you continue to harass me or threaten legal action without following the correct legal procedures, I will have no choice but to report you to the FOS, FCA for their records, the Courts and the ICO for processing my data without proof of the legal right to do so and finally, I may take legal action against you for harassment, under the Protection From Harassment Act 1997. Got a replay from them today stating their position remains the same regarding the requested documentation and I should fill in the expenditure forms before X date or they will take legal action. What’s my next steps? In the process of sending a SAR to the Arrow Global (been busy traveling with work so not got round to it yet) BTW this alleged debt is for my wife and they are still using her maiden name in all correspondence (been married 11 years), even though we have replied using her correct surname.

Hi I received a claim form last year with regard to an apparent arrow global debt I owe. The debt was bought from a halifax credit card. I did a CCA and CPR request to them straight away. There was then a stay on proceedings while they got the relevant documentation together. They have now submitted a notice of application to get the stay lifted and for summary judgement to be made against me. However they do not appear to attached terms and conditions to the credit agreement, just something entitled 'Key Financial Information'. Please see attached document. They have also not supplied a copy of the default notice, just a computer database entry of it. I am going to base a defence on the fact they have not complied with the CCA request, due to the missing terms and conditions. So have not complied with section 78 of the CCA. Also that they have not supplied a copy of the default notice, therefor cannot prove that a compliant default notice has been served, pursuant to sections 87 and 88 of the CCA. Please could you have a look at the three attachments and let me know what you think. credit agreement, terms and conditions(supposed), and default notice database entry. Thanks CCA return.pdf

Hi, long time no post. asfaiwa my finances were now in a good place. I got a massive shock when I did a credit check on Experian two days ago to discover that a debt originally defaulted by Monument back in 2006 was now showing as a default to Arrow Global. This case was dealt with by the court around 2006 who agreed a payment of £1 a month to Arrow Global who had purchased the debt from Monument, and I set up a standing order for £1 a month. I was also paying £10 a month to Arrow Global for an RBS debt. In July 2015 the £10 a month payments stopped as the RBS debt was paid off. I can find no records of any £1 standing order payments to Arrow Global for the Monument debt since 2010 (as far back as my bank records go.) In November 2015 standing order payments for £1 a month started to Capquest, who had apparently bought the debt from Arrow. The first one was £5, (coincidentally 5 months after July 2015 ie 5 x £1 payments), going down to £1 a month after that. Arrow say they never stopped receiving £1 a month payment from me and that I had been paying by order book. I have no recollection of this at all and have no order book with them, nor any memory of cancelling the standing order to Arrow for £1 a month set up years ago, and no memory of setting up a payment with Capquest for £1 month in November 2015. Arrow then informed me that when they sold the debt to Capquest, I defaulted, and the default date on my credit report dates back to November 2015, long after the original default date with Monument. I didn't understand what was going on (I still don’t) and asked if there was any way the default could be removed. Their representative told me it was against the law for them to remove defaulted entries from CRAs. But the default shouldn't be on there in the first place, should it? It is my understanding that defaults should date only to the date of the default with the original creditor. Is this correct? Now, thinking that the Monument debt had been well and truly dealt with I (mistakenly, shoot me now ) chucked out all my correspondence with Monument a few months ago during a filing session. Ditto Arrow Global and Capquest. (yes I'm an idiot. ) I then rang Capquest who confirmed they started receiving £1 a month from me in November 2015. So why the default? Because, they said, I'd defaulted when they bought the debt from Arrow. Taking them at their word I asked for them to suggest a settlement figure and they took a list of all my incomings and outgoings and said they'd pass on my details back to Arrow for them to see if my settlement figure was acceptable. I suggested £500 on a £2,300 original debt. But once I got off the phone my husband said to me that something was fishy about all this, and that's when after discussing it we realised that the default shouldn't even be showing on my credit file. Both Arrow Global and Capquest were insistent that I'd defaulted when the debt was transferred from Arrow to Capquest. So what do I do? This has caused me untold stress and completely ruined my otherwise squeaky clean credit record. Gutted.

Hi there, I have received a few letters from Restons now regarding a credit card debt from 2012/13, passed to Arrow and now to them. I wont go into the particulars, but as I was unable to meet the balooning minimum payments and issues with work left me stressed worried and stupidly with my head in the sand. Now, finally back on my feet in the position to start saving for a house, Restons solicitors get in touch mentioning impending court action. Please help me avoid a CCJ! I have a CCA request with the £1 postal order ready to go to Arrow, just wondering what to do with restons - wait for the court papers? Many thanks in advance Name of the Claimant - Claim not yet received Date of issue - Not yet received What is the claim for – Not yet received (HSBC credit card) What is the value of the claim? Balance was 2,500+ Is the claim for - a credit card When did you enter into the original agreement before or after 2007? - after 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. Were you aware the account had been assigned – did you receive a Notice of Assignment? - I cannot recall Did you receive a Default Notice from the original creditor? - I believe so Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - No Why did you cease payments? – 2012ish What was the date of your last payment? 2012ish Was there a dispute with the original creditor that remains unresolved? Not that I can recall Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Just to point out, I don't want to get out of what I owe, I do not have any documents around the credit card, the default not the transfer to Arrow - just what Restons have stated. Having researched this company and how they and arrow go about their business, I have an instant distrust for what they say, a disliking for how they go about their business and want to make sure I going about this in the best way I can. Thanks Again

Hi all, Was just going to complete the defence myself as I didn't want to trouble you all with (what I believe is a pretty simple defence), but hopefully this can help others, who are in a similar situation. This morning (dated 6th June) received a claim form, details below: Name of the Claimant: Arrow Global (Drydens Solicitors) Date of issue – 6/6/17 What is the claim for – the reason they have issued the claim? 1. The claim is for the sum of CA £7.5K in respect of monies owing by the defendant on a credit agreement held ny the defendant with MBNA under account number **************** upon 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 claiment, and the defendant has been notified of the assignment by letter. Contact Drysdens Solicitors on ...... What is the value of the claim? CA 7.5K Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CC When did you enter into the original agreement before or after 2007? Before 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. Assigned Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, after SB date had passed 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? End February 2011 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? No offered £1 per month untilI was in a better financial position but was ignored so ignore them and their letters. I'm assuming this is a pretty simple statute barred defence, the last payment was Feb 2011, so first cause of action would have been end March 2011. Looking at my credit report it says in June 2011 payment was up to 5 months late.. (5BB), defaulted in August 2011. Is there any point me filling in the AOS for an extra 14 days, seems I'm just giving these leeches extra time. Just to be clear my defence will be: 1 The Claimant's claim was issued on 06/06/2017. 2 The Claimant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the Limitation Act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. 3 The Claimant's claim to be entitled to payment of £7500 (approx) or any other sum, or relief of any kind is denied. Hope I've covered it all. Main question was do I really need to AOS to give them extra time? Thanks for all the help, both now and in the past. Just a quick note, it's odd they are not claiming interest. Not seen this before, just £410 court fee and £100 solicitors costs. Does that mean they've already paid £410 to issue the claim..?