ELS Cole Solicitors for Arrow Global

[jelly1001]

Well I had a call from someone in work (don't know how they got that number) from someone asking about a debt which is years old. Now I believed it was statue barred and asked them to send me proof that I owed this debt as I know nothing about it. They agreed to send me all the paperwork and they sent me a copy of a signed agreement from 2004 and then payments made from harrington brooks. Now I do remember being with Harrington brooks but this was back years ago and everything has been paid off in full. They said the debt was paid up until 2010 but I still owed £2000, baring in mind the original debt was for 1500 and according to them payments had been made reducing the debt by £800. I heard off them last year around this time and I asked for the same proof and I also asked for proof from the original debtor who said they had no record of the account. In the credit agreement they've sent me a copy of it has all the PPI in it. The payments aren;t shown as coming from me.

I've written to this company to ask them to prove the payments from harrignton brooks were from me (as I didn't trust them) and also a breakdown of any PPI etc. Well today I received a claim form from Northampton CC and it's for £1886.66 pus court fee £75 and solicitors costs of £80. I can't afford this. I have just finished paying everyone last year, defaults were due to drop off my account in 1 year and I|'ve been working on my credit rating after finally learning my lesson. I really thought I'd paid everyone and now this. I am terrified of a CCJ is there any way to settle something outside of court and get them to take off the PPI and charges. I could cry I've ruined my life.

[jelly1001]

Could anyone help me with how to proceed. I had a debt which I thought was SB but the debt collectors have provided a spreadsheet showing payments from a debt management company. The debt is £1500 but with charges etc it is now £1800. The payments made are £800. What I would like to know is how do I proceed, do I defend the claim or do I have to pay the £1800. Can I ask the company to settle this out of court?

[ims21]

Two threads merged.

 

The guys will be happy to help as soon as they are available.

 

Can you tell us the date of issue of the claim and type up the particulars of claim please.

 

Did HB send you documentation saying that all debts had been cleared?

[jelly1001]

No I got rid of HB and paid the debts off myself.

The claim states the claim against the defendant for the sum of £1800 due under account number ***** - £1800 assigned to the claimant by black horse ltd notice of which has been provided to the defendant.

Fenton cooper sent me a letter enclosing a copy of the loan agreement signed by me but not dated, signed by black horse and dated by them on 2005. They've also included a direct debit form signed by me.

They have provided a history print out by???? printed on 27-12-2012 listing payments from HB totaling £722.90. Starting in 2006 and finishing on 09-08-2011.

They have provided a print out from black horse for 2005/6 showing missed payments and interest charges and payments and collection activity fees.

Do I have to pay the total amount? I made payments totalling £200 but the interest charges just went up and up until they wrote off the debt at £2600

They wrote to me in Feb 2012 and I assumed it was SB so wrote back saying it was SB as the default had fallen off my credit file. They wrote back saying it wasn't SB. They provided these documents last year also and I contacted lloyds re PPI and they told me they had no record of my account so I ignored fenton cooper thinking they were trying it on. No this year they have sent the court claim?