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  1. #26
    Diana M's Avatar

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    Default Re: Arrow / restons northamton county court claim

    I see you've started a new thread which may relate to this same claim.

    If so, it may help you to keep everything in the same place so that anyone helping can look back at the history of the claim when you post an update

    Quote Originally Posted by carlos09 View Post
    So I have sent of cca request to arrow and also filled in the form online with northamton county courts. At the moment the court case is on hold because of my cca request.

    I received a letter from restons this morning stating that once they have received info I require they will strike my defence out of the water and ccj me for the whole costs in one go.
    I haven't got the £2136 to give

    What do I do now ?

    Thanks Carl
    Link > http://legalbeagles.info/forums/show...404#post706404

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  2. #27
    Diana M's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Does this post relate to the claim on your other thread?

    It may be best to post updates on that one > http://legalbeagles.info/forums/show...410#post706410

    Quote Originally Posted by Diana M View Post
    I see you've started a new thread which may relate to this same claim.

    If so, it may help you to keep everything in the same place so that anyone helping can look back at the history of the claim when you post an update
    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  3. #28
    carlos09's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Yes sorry I did start a new thread. What would be my next move if they did come back with my cca ?

  4. #29
    carlos09's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Arrow / restons northamton county court claim

    So I have sent of cca request to arrow and also filled in the form online with northamton county courts. At the moment the court case is on hold because of my cca request.

    I received a letter from restons this morning stating that once they have received info I require they will strike my defence out of the water and ccj me for the whole costs in one go.
    I haven't got the £2136 to give

    What do I do now ?

    Thanks Carl

    arrow have now come back with a signed agreement. I havent got £2136 to pay as I'm in a debt management plan. What can I do ?

    thanks guys

  5. #30
    carlos09's Avatar

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    Default Re: Arrow / restons northamton county court claim

    I can't add anything on the money claim website either

  6. #31
    MIKE770's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Rectums nonsense letter they send out to unsettle you = the dirty debt collection agency tactics - bit like the way the people get treated by over paid wallas in business/parliament

    - - - Updated - - -

    Quote Originally Posted by carlos09 View Post
    I can't add anything on the money claim website either

    MCOL@hmcts.gsi.gov.uk and ensure you quote “Claim response”

    or lodge claim response to:-

    ccbcaq@hmcts.gsi.gov.uk

  7. #32
    Diana M's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Quote Originally Posted by Diana M View Post
    I see you've started a new thread which may relate to this same claim.

    If so, it may help you to keep everything in the same place so that anyone helping can look back at the history of the claim when you post an update



    Link > http://legalbeagles.info/forums/show...404#post706404

    Di
    I'm reading back through your thread and I can see that you started another thread on the same claim which hasn't yet been merged with this one. Why not ask @Kati to merge them for you.

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  8. #33
    Diana M's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Quote Originally Posted by carlos09 View Post
    Arrow / restons northamton county court claim

    So I have sent of cca request to arrow and also filled in the form online with northamton county courts. At the moment the court case is on hold because of my cca request.

    I received a letter from restons this morning stating that once they have received info I require they will strike my defence out of the water and ccj me for the whole costs in one go.
    I haven't got the £2136 to give

    What do I do now ?

    arrow have now come back with a signed agreement. I havent got £2136 to pay as I'm in a debt management plan. What can I do ?
    The claim is currently stayed so you don't have to do anything.

    If the Claimant wants to revive it and continue with these proceedings then they'll have to make an application to the court to lift the stay.

    It seems their preferred option is to scare you into withdrawing your Defence so that you'll get a CCJ and then they can go for a charging order on your home if you own it.

    That's not a very attractive option!

    You say Arrow has now sent you a signed credit agreement, but does it have all the prescribed terms and the Ts & Cs that should have been present when you signed it?

    Sending you a piece of paper doesn't necessarily mean they've complied with all the statutory stuff.

    What about the Default Notice? I assume you asked for that in your CPR 31.14 Request.

    If they do continue with these proceedings the court will send you a Directions Questionnaire where you'll be given the option to tick the box for free telephone Mediation if that is appropriate and you want to settle.

    Don't let that horrid letter spoil your weekend

    Di
    Last edited by Diana M; 25th March 2017 at 09:40:AM. Reason: typo
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  9. #34
    Diana M's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Quote Originally Posted by carlos09 View Post
    I can't add anything on the money claim website either
    What do you want to add?

    You've filed your Defence and the claim is stayed.

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  10. #35
    MIKE770's Avatar

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    Default Re: Arrow / restons northamton county court claim

    claim stayed then sit back for now

  11. #36
    carlos09's Avatar

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    Default Re: Arrow / restons northamton county court claim

    i just wanted to add that i have paid all my payment up until a few months last year when my wife was made redundant and then the tax credits stopped hence why we couldnt pay. but we are now back paying payplan as normal .

    just out of interest should i of had some form of statement each year from arrow?

  12. #37
    Kati's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Quote Originally Posted by Diana M View Post
    I'm reading back through your thread and I can see that you started another thread on the same claim which hasn't yet been merged with this one. Why not ask @Kati to merge them for you.

    Di
    done xx
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    It doesn't matter where your journey begins, so long as you begin it...

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  13. #38
    Diana M's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Quote Originally Posted by carlos09 View Post
    we couldnt pay. but we are now back paying payplan as normal .
    If you've started to make payments after the claim was issued the court may consider that as an admission of the debt which could result in a CCJ.

    What did PayPlan say about this issue when you told them?

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  14. #39
    Diana M's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Quote Originally Posted by carlos09 View Post
    should i of had some form of statement each year from arrow?
    Yes you should.

    Read section 86(c) CCA and the sanctions for non compliance in section 86E(5) CCA :
    http://www.legislation.gov.uk/ukpga/...d-default-sums

    In short, there's more than one way for a debt to be 'unenforceable'

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

  15. #40
    sloane82's Avatar

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    Default Re: Arrow / restons northamton county court claim

    When was the card opened as it looked like you would have had ppi on the account, and if you were in financial difficulty the bank, should have helped, you when you had your problems, I would get an subject access request for £10 and have a look through everything.

  16. #41
    carlos09's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Thanks guys. I have had a email today from restons. And I have spoke to Payplan and they are pretty sure I'm going to get a ccj

    This is the letter



    Dear Sir,

    Re: Arrow Global Guernsey Limited v. Yourself
    Claim Number..............
    Original Creditor and Product Type: MBNA - Credit Card

    Thank you for your recent e-mail.

    Your Defence to these proceedings was that you were not in receipt of the Credit Agreement. Now that you have been provided with a copy of the same, we would be grateful if you could now confirm that you are willing to withdraw your Defence by completing and returning the enclosed Form of Admission (N9a) within 14 days.

    In the absence of your completed Form of Admission, our instructions are to make an application to have your Defence struck out, and seek an order whereby you pay the legal fees and costs associated with that application.

    We look forward to hearing from you further.

    Yours faithfully,

    Mr A Liptrot
    Paralegal
    Last edited by enaid; 11th April 2017 at 16:41:PM.

  17. #42
    MIKE770's Avatar

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    Default Re: Arrow / restons northamton county court claim

    usual letter they send out

  18. #43
    carlos09's Avatar

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    Default Re: Arrow / restons northamton county court claim

    what should i do mike ?

  19. #44
    carlos09's Avatar

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    Default Re: Arrow / restons northamton county court claim

    ok just read that.......i havent had any statement from arrow...i have been through all of my letters

  20. #45
    MIKE770's Avatar

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    Default Re: Arrow / restons northamton county court claim

    me - would not even hesitate to ignore it, there next move or the court instruction act on when in

  21. #46
    carlos09's Avatar

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    Default Re: Arrow / restons northamton county court claim

    would you not do anything then ?

  22. #47
    carlos09's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Have spoke to Payplan and there going to speak to restons tomorrow. I have been through all my paperwork and I don't seem to have a notice of assignment or any annual statements of account.

  23. #48
    carlos09's Avatar

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    Default Re: Arrow / restons northamton county court claim

    so guys

    payplan have come to help and have trying to contact restons but havent had luck..they have left voice mails and emails and had no reply i myself have tried to call today but i cant get through and have left a voice mail..

    payplan have given up and passed it back to me.

    can i complain about all this?
    1...i havent had any annual statements from them
    2...they dont return my calls

    im at a loss guys and not sleeping very well and its making me feel ill

    carl

  24. #49
    sloane82's Avatar

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    Default Re: Arrow / restons northamton county court claim

    When did you take the card out and have you contacted the financial ombudsman service regarging this?

  25. #50
    Diana M's Avatar

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    Default Re: Arrow / restons northamton county court claim

    Quote Originally Posted by sloane82 View Post
    have you contacted the financial ombudsman service regarging this?
    Why would the OP contact the Ombudsman?

    These are ongoing legal proceedings where the court makes the final decision on the outcome not the Ombudsman.

    Di
    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specializes in consumer credit.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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