Blake Lapthorn / Arrow Global / Almost Statute Barred Debt / CCJ - HELP!

[BalliffHater]

Hello again CAG

 

I am almost at the point of my financial life being totally clear. I had two outstanding defaults on my credit file, one fell of in August 2013 and One falls off in February 2014 - then my credit file is clean and my life can go on as normal...

 

However, Blake Lapthorn have taken over a debt from Arrow Global, totalling around £7k, originally from HBOS. This was for the debt that defaulted in August 2007 and "fell off" in August 2013. It is not longer on my credit file.

 

However, in my naivety, I paid £1 per month towards this debt for a long time to have it "frozen". My last payment was 3rd April 2008.

 

Blake Lapthorn "think" my last payment date was 2010, but I have confirmed with HBOS that this was incorrect, that there was a transaction on the account in 2010 which was interest raised when HBOS sold the debt to Arrow Global. So, Blake Lapthorn is wrong.

 

Blake Lapthorn have not yet filed court paperwork, and I have contested my last payment date to buy some time, while they investigate.

 

If this case doesn't proceed until >3rd April 2014, then it would be statute barred, right? meaning:

 

- 6 years since last payment

- 6.5+ since default was registered

 

If this is correct, then I really need some advice of what to do to distract Blake Lapthorn to stop them rushing this through court to register a CCJ before this cut off date.

 

They don't know yet that 2008 was the last payment date, but they have gone back to investigate their records with HBOS. They will find out very soon, lets assume just after Xmas.

 

How can I buy 4 months without them arguing to the court that the "only reason for delay for court was because I was timewasting" - how can I do this guys??

 

I'm hoping for some real practical ways to hold this off and ensure that the debt is statute barred.

 

I cannot risk a CCJ when I am so close to being clean and having a perfect clean slate. I run all of my debts perfectly now, and I made some mistakes when I was a student. I just want to be free from all of these nasty DCAs and bad credit.

 

Thank you every so much for your thoughts, guidance and comments.

[dx100uk]

a Dn has already been issued many months before the last payment, so plays no part, even if it ever did...

 

last payment being 3/4/8, next payment 'expected?' 3/5/8.

 

so, as the interest 'charge' to the account was by the bank, NOT the debtor, SB date will be 3/5/2014...

 

however , if there was no WRITTEN agreement made and accepted by whomever you paid the £1PCM to it SB will be 3/4/14

 

what type of debt please?

 

dx

[BalliffHater]

Hi DX,

 

 

There was a written agreement for £1 per month, so agreed 3/5/08 therefore aiming to delay to >3/5/14

 

 

It was a Halifax Loan, sold to Arrow Global in 2010, who passed to Blake Lapthorn in November 2013.

 

 

Many Thanks

 

 

BH

[AndyOrch]

If you could expand on the following BH and how this was done......

 

 

" and I have contested my last payment date to buy some time, while they investigate."

 

 

Regards

 

 

Andy

[BalliffHater]

If you could expand on the following BH and how this was done......

 

 

" and I have contested my last payment date to buy some time, while they investigate."

 

 

Regards

 

 

Andy

 

 

 

Hi Andy

 

 

Bl think the last payment date was 2010, which (before I checked with HBOS and learnt it was 2008, I said "not possible, your information is wrong"

 

 

Therefore, they have gone away to enquiry and get a statement from HBOS

 

 

It wont be long before they learn that the last payment was 2008, meaning they only have 4-5 months to get a CCJ.

 

 

Thanks

 

 

BH

[AndyOrch]

Yes I get that but how did you contest it..? Written/verbal ...did you state you did not acknowledge the debt?

[BalliffHater]

Yes I get that but how did you contest it..? Written/verbal ...did you state you did not acknowledge the debt?

 

 

 

I used the terminology "alleged debt" and did so verbally.

 

 

At this point I have not sent anything in writing, just trying to get a feel for the situation.

 

 

I also used "without prejudice" and asked what would the settlement figure be, so we can look at economic viability, and they said 80%

 

 

Yours

 

 

BH

[AndyOrch]

I used the terminology "alleged debt" and did so verbally.

 

 

At this point I have not sent anything in writing, just trying to get a feel for the situation.

 

 

I also used "without prejudice" and asked what would the settlement figure be, so we can look at economic viability, and they said 80%

 

 

Yours

 

 

BH

 

 

Excellent