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Hi everyone, if someone could advise me on my next steps to take id be truly grateful
I have 2 debts that have been past to Arrow Global last year, a credit card and separate personal loan from HSBC
After following the advice on hear last year, I sent off my CCA requests for both debts that Arrow Global were referring to and enclosed 2 x £1 postal order.
I also sent a SAR to HSBC and copies of the CCA to Reston's. All sent on 07/06/2017.
The debt that is the personal loan, they keep writing saying its an "Overdraft" which never was and I do believe was actually a personal loan ((£6900)
They sent a letter back to me on on 14/06/17 saying
"We thank you for your letter and acknowledge your request for documentation pursuant to the Consumer Credit Act 1974.
We do not accept that we are the creditor by the above statute.
This account arose under an overdraft facility. Even if this account was regulated under the CCA 1974, Part V of the act does not apply to this facility and there will be accordingly be no executed agreement .
In addition, we confirm
. The account is in default
. The total sum outstanding is £6931.43
. The amounts which will become payable comprise interest and costs, depending what enforcement action is taken against you.
Please find your £1.00 Fee enclosed"
Today I have received the county court claim form with Arrow Global as the Claimant.
I really don't know what to do next.....
Any advice would be greatly received! Thank you!
I have 2 debts that have been past to Arrow Global last year, a credit card and separate personal loan from HSBC
After following the advice on hear last year, I sent off my CCA requests for both debts that Arrow Global were referring to and enclosed 2 x £1 postal order.
I also sent a SAR to HSBC and copies of the CCA to Reston's. All sent on 07/06/2017.
The debt that is the personal loan, they keep writing saying its an "Overdraft" which never was and I do believe was actually a personal loan ((£6900)
They sent a letter back to me on on 14/06/17 saying
"We thank you for your letter and acknowledge your request for documentation pursuant to the Consumer Credit Act 1974.
We do not accept that we are the creditor by the above statute.
This account arose under an overdraft facility. Even if this account was regulated under the CCA 1974, Part V of the act does not apply to this facility and there will be accordingly be no executed agreement .
In addition, we confirm
. The account is in default
. The total sum outstanding is £6931.43
. The amounts which will become payable comprise interest and costs, depending what enforcement action is taken against you.
Please find your £1.00 Fee enclosed"
Today I have received the county court claim form with Arrow Global as the Claimant.
I really don't know what to do next.....
Any advice would be greatly received! Thank you!
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