Hi guys, My father has received a claim form Arrow Global Guernsey Limited - MBNA Credit Card debt on the 25th July 2016. See attachment. The debt is old from 2000, however he has offered £1 a month since last summer which he has been doing so. Prior to this he had a debt management company handling his debts. What steps should I take in order to defend him? Under the particulars of claim is states the contract is "dated on or about Feb 25 2000" Does this suggest they do not have the original contract and so there legal basis for the claim? I need to file the acknowledgement of service form soon, however I'm not sure whether I should be ticking the boxes for "I intend to defend all of this claim", "I intend to defend part of this claim" and "I intend to contest jurisdiction" Any help would be appreciated. Thank you Claim Form_Redacted.pdf

Hi, Please avoid this so called respected company that has a royal warrant from Queen Elizabeth II !!!!!! Their main activities are:- trading in stamps and other philatelic items, coins, medals and banknotes; auctioneering, valuing (for sale, auction, purchase, insurance and/or probate) the above; development and operation of collectibles websites, online trading and auctioneering; philatelic and collectibles publishing including catalogues, albums and magazines in hard copy and electronic media; retail and mail order; manufacturing of albums and accessories. They have many ring fenced limited companies trading around the global arena. Sadly the Guernsey subsidiary has gone into administration with debts exceeding £70 million. Consumers invested in a scheme that promised 75% of the market value of stamps, or 100% of original amount invested on sale. The poor people who invested will not get their money back as the other companies successfully trading are ring fenced. https://www.thetimes.co.uk/article/stanley-gibbons-guernsey-subsidiary-goes-into-administration-glkdblgw5 Any ideas what can be done? If everybody took ownership of their portfolios, and tried to sell, this would have the worst outcome, as it would drive down the price of all the portfolios. Thank you. Brian

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

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

Hi, this is one of two claims I currently have going against me. Both of which are close to statute barred. This is my bigger worry of the two as this one is only statute barred if you go from the date the last payment was made, however it is not quite six years statute barred if it goes from the date the first payment was missed. Name of the Claimant ? Arrow Global Guernsey Limited Date of issue – 11/12/15 Date to submit defence = 12th Jan (33 days in total) - What is the claim for – The claimant claims payment of the overdue balance from the Defendant(s) and MBNA dated on or about October 06 2003 and assigned to the claimant on Dec 20 2001 Particulars a/c no. 444444444555555555 Date :18/11/2015 Item: Default Balance Value: £8200 Post Refrl Cr: Nil Total: £8200ish What is the value of the claim? £8200ish Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card 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 , I received a notice dated 09th march 2010 Did you receive a Default Notice from the original creditor? yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I dont think so Why did you cease payments? Did a CCA request as I couldn't keep up with payments. I took nearly three months to receive a signature document so account was placed in dispute and payments ceased What was the date of your last payment? 02 december 09 Was there a dispute with the original creditor that remains unresolved? yes, following my CCA request I received a photocopy of a tear off slip with my name on and on the rear of the photocopy was a photocopy of terms and conditions, although they are the same size which makes it look as though they are from the same tear off slip I noticed they have different document reference numbers and dont believe the photocopy of the rear I received was the true rear. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no

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

I wonder if you could advice me what to do. I am self employed but not earning a great deal and have not been able to pay my credit card debt which stands at around £3,000. Arrow Global took me to court and I admitted the debt and offered a £1 a month. I do not have any spare cash and have mortgage, electric, council tax debts I am trying to pay off. I applied for pension credit at the Begining of August and have only had a letter back to say they have returned the paperwork they asked for and would be in touch, I have rang twice but nothing yet. I am carrying on working but am just managing. I would prefer to work and dont really want to receive pension credit. I have another debt and I offered £1 month which the court accpeted but Arrow Global have refused this and the court has said I have to pay £371.39 per month which I cannot afford. I am not sure what I can do. Any help greatly appreciated.

Hi, Yesterday I recieved a Claim Form for a credit card dating back to 1999, it is lodged with Northampton County Court, I tend to defend fully the case and have sent in my CPR 31.14 Request with Recorded Delivery today. I have not sent any money are they likely to request anything for this request? i.e. £10 It is for a credit card balance from on or about 29/9/1999 assigned to the claimant 20/12/11 for the sum of £8467.02 and now with charges they want £8757.02 What are my chances here? If they do not come back with original signed documents and stuff, can I defend that I know nothing about this? as it was many years ago, during a split with my missus in 2007 I had a lot of debt that has never really been sorted since then.