Arrow Global CCJ help please

[MrsH5]

Hi all,

I'm looking for some advice regarding a CCJ that has been issued against me in favour of Arrow Global please.

Basically, Arrow began chasing me a few months ago for just over £1000. I genuinely have no idea what it is for although it is likely to be mine! I wrote to them asking for information, credit agreements etc but had no response and a court claim was issued instead!

I used the same reason as my defence and again requested paperwork, again had no response and a CCJ has been issued.

I feel this is unfair, a large company pushing this through without giving me fair chance to defend myself and I suspect there are lots of charges etc on this amount that may not be fair but there's little I can do about it without paperwork!

I would like to appeal the judgement but after reading the court leaflet I'm not sure if I can.

Any advice would be gratefully received.

Many thanks for reading.

[citizenB]

Can you provide us with more information please.

 

From the time you received the claim form - what did you do?

 

You had 33 days from the date of issue of the claim in order to make requests for any documents mentioned in their claim form via CPR31.14 - Have a read of the link below and tell us if you followed the process mentioned.

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.

 

Then if you can let us know what you actually said in your defence, that would be good

[mjt2013]

Are you sure you submitted your defence on time? If you submitted a defence form, regardless of what was actually said in it, the court wouldn't have been able to just enter a judgment which sounds like what has happened here. The court would have had to deal with the claim in some way even if just to strike out the defence without a hearing.

[MrsH5]

Hi, thank you for your reply. Yes, I submitted my defence on time. I then had a form offering mitigation and asking for my proposed course of action. I refused mitigation straight away as I didn't see the point given my position, perhaps this was the wrong thing to do! The next thing I had was the judgement. Thank you.

[MrsH5]

Hi citizenB, sorry I didn't see your reply too.

I've not done a very good job here, I'm afraid. When they first contacted me, I just wrote back saying I had no knowledge and asked them to send me a copy of the original agreement, full statements of account and notice of assignment...but this was in my own words not using a template or quoting law.

My defence basically said I had requested these things and couldn't respond until I had them, I can see from your link how I should have requested them formally again but unfortunately I didn't know that at the time. Ooops!

[citizenB]

Ah, well it does indeed look as though your defence might not have been acceptable to the court

 

I will try and find someone who might be able to advise further.

[mjt2013]

Did you send in your defence to the court? This seems rather odd.

[MrsH5]

Ah, well it does indeed look as though your defence might not have been acceptable to the court

 

I will try and find someone who might be able to advise further.

 

Thank you! I can see I've not done the right thing now but still it seems a bit harsh that companies can push these through like this Thanks for your help.

[MrsH5]

Did you send in your defence to the court? This seems rather odd.

 

Yes I sent it to the court and they responded with the offer of mitigation. I returned that to the court too. I have replied to everything straight away, I'm not trying to hide from it at all, I just needed the information from Arrow so that I could respond. Thank you for your help.

[citizenB]

So you sent a defence which appears to have been accepted.

 

Mitigation ? Do you mean mediation ? Did you agree to this - what happened ?

 

You would have received a General order from the court to advise of the Judgment being awarded - what exactly does it say ?

[MrsH5]

So you sent a defence which appears to have been accepted.

 

Mitigation ? Do you mean mediation ? Did you agree to this - what happened ?

 

You would have received a General order from the court to advise of the Judgment being awarded - what exactly does it say ?

 

Yes, sorry I meant mediation!! I returned that I didn't agree to mediation or suggest an appropriate course of action until the claimant responded to my request for information. The next thing I received is the General Form of Judgement. It says it is ordered I pay the sum plus £170 costs forthwith. It has a warning on the bottom about not paying and details of how to pay etc. That's basically it!

Do you know whether I can request the case papers from the court? Or does it not matter anyway once the judgement has been entered. I am willing to pay anything I owe, I just have no idea what this is for! Sorry this is so confusing, thank you for your time.

[AndyOrch]

How old is the judgment?

[MrsH5]

How old is the judgment?

 

Hi, it's dated 5th March, I got it last Monday.

[AndyOrch]

Does it refer to you being able to set a side the judgment?

[MrsH5]

Does it refer to you being able to set a side the judgment?

 

No it doesn't. It's just a single sheet, there's not much information on it! Thank you.

[mjt2013]

Could you please type out the full wording of the order including any preamble?

[AndyOrch]

MrsH5 instead of us guessing what is stated why not type out the wording verbatim of the judgment.

 

Regards

 

Andy

[MrsH5]

MrsH5 instead of us guessing what is stated why not type out the wording verbatim of the judgment.

 

Regards

 

Andy

I'm sorry, I'm not guessing what it says, I answered your questions and was trying to save time for anyone reading by not posting too many details. I assumed, perhaps wrongly, that you would be familiar with the wording.

Sorry to have wasted your time. Thank you.

[AndyOrch]

The devil is in the detail and detail is required to advise what options are available to you....I did not state you was guessing but we are...hence we have to know every word within the judgment order.

 

Every Order is unique so no we are not familiar with your judgment.

[citizenB]

Yes, sorry I meant mediation!! I returned that I didn't agree to mediation or suggest an appropriate course of action until the claimant responded to my request for information. The next thing I received is the General Form of Judgement. It says it is ordered I pay the sum plus £170 costs forthwith. It has a warning on the bottom about not paying and details of how to pay etc. That's basically it!

Do you know whether I can request the case papers from the court? Or does it not matter anyway once the judgement has been entered. I am willing to pay anything I owe, I just have no idea what this is for! Sorry this is so confusing, thank you for your time.

 

 

Oh dear, it would have been better for you to agree to mediation - a) it shows that you are being reasonable in trying to move forward and it is something you could have pointed out during mediation !!

[caro]

MrsH5, time is of the essence if you want to get this set aside.

 

I understand that you didn't want to waste anyone's time if the wording was standard, but as has been said, it isn't.

 

Please do come back if you need assistance.