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Court Claim Reston Solicitors/Arrow Global

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  • #16
    Re: Court Claim Reston Solicitors/Arrow Global

    Hi all,
    thank you for taking the time to reply and put me at my ease. Ok I'll sit tight for awhile longer and see if they reply to the letters.
    Thanks again, I appreciate it.

    Comment


    • #17
      Re: Court Claim Reston Solicitors/Arrow Global

      Hi,

      I've received a reply from Arrow Global today saying they are NOT the creditor as envisaged!! I have no idea what to do next about the CCJ. Should I wait as planned or upload their letter (I've attached it to this message) to the moneyclaim site? Or do I now ask them to stop the CCJ?

      Thank you once more for your help.
      Attached Files

      Comment


      • #18
        Re: Court Claim Reston Solicitors/Arrow Global

        Just out of interest, did they return the £1? (Not that it makes any difference, lol!)
        CAVEAT LECTOR

        This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

        You and I do not see things as they are. We see things as we are.
        Cohen, Herb


        There is danger when a man throws his tongue into high gear before he
        gets his brain a-going.
        Phelps, C. C.


        "They couldn't hit an elephant at this distance!"
        The last words of John Sedgwick

        Comment


        • #19
          Re: Court Claim Reston Solicitors/Arrow Global

          Hi Charity,

          yes indeed they have returned the £1 postal order....very decent of them don't you think as I could have handed over the better part of £4000 and I didn't even owe it to them?!! I'm feeling slightly nauseous at the idea

          Comment


          • #20
            Re: Court Claim Reston Solicitors/Arrow Global

            Hi, sorry for asking again - is there anyone who can tell me what my last letter from Arrow Global means and how should I proceed?

            Many thanks,

            Comment


            • #21
              Re: Court Claim Reston Solicitors/Arrow Global

              Hi

              I'm not sure anyone knows what that letter means.
              Not even Arrow themselves.
              As far as I can ascertain, s189 of the Consumer Credit Act 1974 (CCA) is self-explanatory.

              creditor” means [F15(except in relation to green deal plans: see instead section 189B(2))] the person providing credit under a consumer credit agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law, and in relation to a prospective consumer credit agreement, includes the prospective creditor;
              & your obligation under ss77-79 CCA is only to send a request together with a fee of £1.
              Whether or not they accept your payment is immaterial to the validity of the request.
              The letter does serve a useful function in that they cannot now deny that they were in receipt of a CCA request together with an appropriate fee.
              CAVEAT LECTOR

              This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

              You and I do not see things as they are. We see things as we are.
              Cohen, Herb


              There is danger when a man throws his tongue into high gear before he
              gets his brain a-going.
              Phelps, C. C.


              "They couldn't hit an elephant at this distance!"
              The last words of John Sedgwick

              Comment


              • #22
                Re: Court Claim Reston Solicitors/Arrow Global

                Hi Charity,

                thank you, I wasn't sure if Arrow's reply was a standard type reply...it would appear not then? How can it even be legal for a company to chase a debt that they don't actually own?

                I'm so confused! I guess I just hold tight for another week and see how it all pans out.

                Many thanks

                Comment


                • #23
                  Re: Court Claim Reston Solicitors/Arrow Global

                  From what I've seen, it appears to be a standard template response from them.
                  CAVEAT LECTOR

                  This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                  You and I do not see things as they are. We see things as we are.
                  Cohen, Herb


                  There is danger when a man throws his tongue into high gear before he
                  gets his brain a-going.
                  Phelps, C. C.


                  "They couldn't hit an elephant at this distance!"
                  The last words of John Sedgwick

                  Comment


                  • #24
                    Re: Court Claim Reston Solicitors/Arrow Global

                    Ok thank you Charity. If it is a standard response, does it have a standard meaning? Because that's the bit I'm not understanding....what does it mean?

                    Sorry for so many questions

                    Comment


                    • #25
                      Re: Court Claim Reston Solicitors/Arrow Global

                      Suffice to say that, while they have appeared to have sent that, or very similar, letters to Litigants in Person, I have not seen them arguing same when the person is legally represented.
                      You might very well think that they are deliberately trying to lie to the consumer, & thereby avoid their obligations under the CCA, & you might be entitled to the thought.
                      Of course, I couldn't possibly comment.
                      CAVEAT LECTOR

                      This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                      You and I do not see things as they are. We see things as we are.
                      Cohen, Herb


                      There is danger when a man throws his tongue into high gear before he
                      gets his brain a-going.
                      Phelps, C. C.


                      "They couldn't hit an elephant at this distance!"
                      The last words of John Sedgwick

                      Comment


                      • #26
                        Re: Court Claim Reston Solicitors/Arrow Global

                        I would be very interested indeed to know if they had sent similar letters to solicitors. I suppose by their very nature, small claims tend not to have legal representation , although not always the case.

                        It would be nice to see a solicitor let loose on them after they sent that letter. Sadly they only have one very small account of mine but if that changes....watch this space

                        Comment


                        • #27
                          Re: Court Claim Reston Solicitors/Arrow Global

                          Originally posted by warwick65 View Post
                          I would be very interested indeed to know if they had sent similar letters to solicitors. I suppose by their very nature, small claims tend not to have legal representation , although not always the case.

                          It would be nice to see a solicitor let loose on them after they sent that letter. Sadly they only have one very small account of mine but if that changes....watch this space
                          Thinking on this, if they say they are not the creditor, & the Consumer Credit Act identifies the 'creditor', inter alia, as the assignee, are they in effect stating that they therefore do not have the locus standi to bring a claim in their own right?
                          CAVEAT LECTOR

                          This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                          You and I do not see things as they are. We see things as we are.
                          Cohen, Herb


                          There is danger when a man throws his tongue into high gear before he
                          gets his brain a-going.
                          Phelps, C. C.


                          "They couldn't hit an elephant at this distance!"
                          The last words of John Sedgwick

                          Comment


                          • #28
                            Re: Court Claim Reston Solicitors/Arrow Global

                            Hi, I have until the 25th June to lodge my defence with moneyclaim.....the only plan I have is to sit tight for another week and then to form some sort of defence. My original query with Restons was that the debt is statute barred. I know it may be a petty thing and hold no legal sway, but when I sent my first letter asking them to prove it wasn't statute barred there is a line in their reply letter that says they would not be issuing legal proceedings against me (image attached of that letter further back on this thread). When the time comes is it ok to ask for help forming my defence? Because I'm more than a little lost.

                            Many thanks,

                            Comment


                            • #29
                              Re: Court Claim Reston Solicitors/Arrow Global

                              Having read back, imho you cannot rely on that statement at all.
                              To me, it is just a mistake. The sentence, combined with the next paragraph, only make sense if the word 'not' is removed.
                              CAVEAT LECTOR

                              This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                              You and I do not see things as they are. We see things as we are.
                              Cohen, Herb


                              There is danger when a man throws his tongue into high gear before he
                              gets his brain a-going.
                              Phelps, C. C.


                              "They couldn't hit an elephant at this distance!"
                              The last words of John Sedgwick

                              Comment


                              • #30
                                Re: Court Claim Reston Solicitors/Arrow Global

                                No I didn't think it could be used as my defence....it just annoyed me I know I still have another week to go.....I'll try to stop fixating on it.

                                Thank you for your reply.

                                Comment

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