Hello, This post I've moved from the Bailiff & Court section. Arrow Global purchased a delinquent debt from Nationwide going back to 1999, and have worked in conjunction with their letterheads-for-hire lawyers Shoosmiths in bringing about a CCJ against me which was granted last month by Northampton BCC. The CCJ was granted BY DEFAULT because I did not mount a defence at the time, because I was given to understand that the case would be passed to my local court at which time I would then mount my defence (which is a robust one, as Arrow Global have NOT sent me a copy of the original credit agreement, which I have been asking for since the summer). Therefore the CCJ has been awarded to the Claimant Arrow Global, in the absence of any credit agreement (I have a letter from Arrow saying that they will try to find it for me; this letter is dated 23rd November, and the Judgment is dated 5th December!) The debt is for approx. £8,600. Two days ago I sent my Witness Statement (together with my bundle including Exhibits A - T) to Northampton together with my N244 in attempt to set aside the CCJ. Now I get a letter saying that the case has been transferred to Norwich CC for enforcement! Arrow/Shoosmiths are therefore trying to get an Enforcement order on a Judgment which was gained without them ever having shown me the original credit agreement, as I have asked in accordance with my rights under the CCA. So what on earth am I to do now? Thanks in advance - I need help on this one! sarah.

As detailed in other threads in the debt forum I made an SAR back in April and for one reason and another which i wont bore you with I only received the data from the bank on Friday last. I have been with the bank since 1997 and requested all of the data including all copy statements and used a template from the forum. I was astounded to see just a handful of statements from various years but not numbering more than 5 pages. I also got copies of letters I sent them - I am really angry and fed up and realise they are just doing this to put me off but could you please advise me of my next move options? I initially sent them stiff letters (again from the forum) when they started messing arond with not wanting to send to my address as they couldnt verify it or that my sig was not the same as the one they had on record so I've already threatened them withe reporting them to the relevant authorities. Please help a frustrated and angry man!! Best GIB

Hi guys, hope you guys can give me some advice, basically back at the end of last year my mum received a letter from JB Recoveries about some alleged debt. she had no knowledge of this so i Sent them a CCa Request with a cheque for the £1 fee. she got back a photo copy of some old credit agreement from 1998 but nothing else so we sent them a Subject access request with a cheque for the £10 fee. since then we forgot all about it as we have not heard anything from them. Then my mother receives a statement from cl finance for £10,000. A statement nothing else. we sent them a cca request and heard nothing, then two weeks ago she gets another statement from them so again we have sent them a cca request, a subject access request and also a statued barred letter (because if she did owe any money its from back in 1998) today she received a letter acknowledgeing receipt of the letter but they say that "we have been advised that you made a £10.00 payment towards this account on 08/01/10 by JB Recoveries who are instructed to act on our behalf. We therefore do not agree with your comments that this debt is statute barred and request that you contact us with your payment proposals by return." Now the only £10.00 that has ever been sent was for the subject access request to jb recoveries. they seem to have sent nothing but used the money against the account. The £10.00 was sent by cheque from my account (not mothers) solely for the purpose of the request. Any ideas what i can send to Cl finance and JB recoveries to try and settle this matter. My we have done a Sar request to the bank that the loan was originally taken out with, my mum is still with that bank so surely if she is meant to owe this money they would just take money from her account. any help?

I was contacted by the above vultures on 13/08/2010 by letter: Dear Sir/Madam 1st Credit (Finance) Limited is attempting to contact the above named regarding a personal matter. Your address has been supplied as a possible address for our subject who was previously resident at: (address from 5 years ago) Please conact our offices immediately on telephone number ### and qutoe the above reference number at which time further information can be provided. If you are not the individual we are attempting to contact or have any information that may assist please call us at your earliest convenience, on telephone number ###, in order that we may correct our records. If no response is received within ten days of issue we will assume that you are the individual we wish to contact and will of course ensure that all relevant correspodence is sent to you. --------------------------------- I called them on the same day and was informed that I owe £1479.17 from an account with Halifax Cetelem which I was adamant had been paid off 4 years ago. I wrote back with an SAR enclosing the £10 cheque (unfortunately I signed the letter) asking for all credit agreements to be included as well. I received a reply this morning as follows: Dear Mr. ### Thank you for your letter of the 14th August 2010. Pursuant to your request please find enclosed copies of the data which is held within our relevant filing system: 1. Account history 2. Copy template letters which have been sent to you The information enclosed completes the response to your Subject Access Request made to 1st Credit Ltd. Any information which you require and which is not included in our response should be sought from the original creditor or the relevant company to which it refers. ---------------------------- What I actually received was a list of 'actions' made by 1st credit dating back to 28/10/2005 straight from their computer system and almost all of it is financial abbreviations and gobbledegook which anyone from a non-financial background (inc me) will not understand. They have left numerous answer phone messages to a phone number that I haven't had for 5 years and the letter I initially received was the only contact i have had in the past 5 years. They claim to have had trouble tracing me. I now refuse to talk to them on the phone and am seeking advice.

I've been doing quite a bit of reading on here about CCA Requests and, swamped by debts I thought I would give it a try. I've read some conflicting opinions on whether the 77/78 letters work or whether they give rise for banks to provide a modified copy etc. First I'll tell you a little about my situation: I have most of my debts with Natwest - 2 credit cards, 2 unsecured loans, 1 overdraft and a mortgage. I've moved my main bank account to another provider to protect my income. I also have credit cards with Capital One and Tesco (also run by RBS/Natwest I believe). Could you please advise me on the following: 1. Would I be better sending a Subject Access Request or one of the CCA template letters to Natwest? Can anyone point me in the right direction of a good example of a letter to use? 2. Can anyone tell me of their experiences/success/failures following this process with Natwest. Tesco and Capital One? Many thanks

Hi all, thanks for helping. I have been lurking here for a while, waiting for MBNA to come up with my SAR, which they did, on the 40th day! SAR Reply 08-10002.pdf It came with all statements since MBNA took over the account from HBOS and a copy of MBNA's current agreement which doesn't even have a signature page, let alone a signature! (It does have my address printed on it tho!) I had been having problems with Allied International over this one and sent THEM a CCA request first, which they replied by admitting that they had not been sold the debt, but were "acting on behalf of MBNA". Heard nothing from them since replying with a statement of their legal duty to comply and asking them to contact me by post only. My question is, what do I do now? I have not previously done a CCA request directly to MBNA, should I do it now, or take it that they do not have a copy of the original as they have admitted and send them an 'Account in Dispute' letter? I really would appreciate some guidance. Many thanks RobboM