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Arrow global need to provide a defence by 20th of july

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  • #1

    Arrow global need to provide a defence by 20th of july

    Good day i need some help please. I had a judgement set aside. I now need to write a defence however it is for an old bank account which i went overdrawn on. The amount is for £1.600 pounds this includes interest. I have not recieved a assignment of debt. However with it being an overdraft i dont know how to defend the case. Arrow global have stated that they have a copy of my medical information . Can anyone advise in how to defend the case. The bank was made awere of my medical health but no consideration was given.
    thanks. I have seen ten plates for credit cards but nothing for an overdraft. The over draft was given as a request i beleive but can not remember as it is over 10 years ago. But i do think i may have asked for it .
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  • #2
    Can anyone help pleas

    Comment

    • #3
      these guys helped me in the same issue on arrow global
      Last edited by MaggieM; 31st July 2019, 11:05:AM.

      Comment

      • #4
        Lol
        There appears to be a plethora of past threads on this.
        https://legalbeagles.info/forums/sea...2%3A%221%22%7D

        Amethyst

        I think
        https://legalbeagles.info/forums/for...-by-12pm-today
        is the pertinent one?
        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

        • #5
          Possibly - what happened between
          Defence needs to be filed by 28th Feb.
          that you now need another defence ? Or do you mean a hearing has been set and you have to exchange witness statements ?
          #staysafestayhome

          Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

          Received a Court Claim? Read >>>>> First Steps

          Comment

          • #6
            Originally posted by MaggieM View Post
            these guys helped me in the same issue.
            A Scottish Trust Deed is seriously not appropriate for this situation. For one Amber doesn't live in Scotland. I'm removing the link from your post.
            #staysafestayhome

            Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

            Received a Court Claim? Read >>>>> First Steps
            • 1 thank

            Comment

            • #7
              Arrow gloval have had 3 different accounts they bought. This is a totally different account. This is an overdraft on an account i did not know had gone overdrawn back in 2010. I did not know about thos until a few months ago . I had jusgement set aside because it was a default judgement. So i dont know how to defend this claim which was registered as a ccj in 2016.
              • 1 thank

              Comment

              • #8
                Originally posted by Amberhun View Post
                Arrow gloval have had 3 different accounts they bought. This is a totally different account. This is an overdraft on an account i did not know had gone overdrawn back in 2010. I did not know about thos until a few months ago . I had jusgement set aside because it was a default judgement. So i dont know how to defend this claim which was registered as a ccj in 2016.
                Have you started any other threads on this particular alleged debt?
                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

                • #9
                  didnt i post something once on defending bank account / overdrafts using s140? I know me and Tom did a case 2 years ago now where we challenged a debt purchaser and got the late payment charges back too
                  I work for Roach Pittis Solicitors. I give my free time available to helping other on the forum and would be happy to try and assist informally where needed. 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 need to contact me please email me on Pt@roachpittis.co.uk .

                  I have been involved in leading consumer credit and data protection cases including Harrison v Link Financial Limited (High Court), Grace v Blackhorse (Court of Appeal) and also Kotecha v Phoenix Recoveries (Court of Appeal) along with a number of other reported cases and often blog about all things consumer law orientated.

                  You can also follow my blog on consumer credit here.
                  • 1 thank

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                  • #10
                    I have not written post about this before. Its.confusing due to the same company having 3 different debts 2 have now been resolved. But i have this bank account debt. Which they say i had gone ver drawn on and is 1.600 pounds debt. They have sent to me now a copy of hsbc banking terms but is it general terms nothing signed. A copy of the debt being assigned to them in 2016. And a copy of two £1.00 payments which is the same £1.00 payment they also used on the other debt which is nw resolved. Because it is a bank overdraft debt i dont know who to defend it and need some advise please.

                    Comment

                    • #11
                      I think I saw something on twitter a while ago about needing to comply with S78 requests on an overdraft, I will try to find it

                      Comment

                      • #12
                        I might have got the detail wrong, it might not be S78 but it is to do with proving the debt here is the tweet https://twitter.com/connolly_joanna/...93891556974594

                        Comment

                        • #13
                          Would it be possible to post up a pic (or write verbatim) a redacted copy of the court directions as to what exactly is required by 20th July?
                          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

                          • #14
                            Judgement was only set aside now i have to produce a defence. Thats all that has been requested by the court i am not at a hearing stage. I dont know the original amount i went over drawn and i dont know how much of this is interest charges . Arrow global have only provide me with a copy of the assignment sent to the wrong address in 2016. A copy of hsbc terms and conditions of a bank account and a copy of two £1.00 payments made in 2012. Nothing else.
                            so i dont have any other information.

                            Comment

                            • #15
                              Originally posted by Amberhun View Post
                              Judgement was only set aside now i have to produce a defence. Thats all that has been requested by the court i am not at a hearing stage. I dont know the original amount i went over drawn and i dont know how much of this is interest charges
                              You've indicated that this was a pre-arranged OD....are you sure?

                              . Arrow global have only provide me with a copy of the assignment sent to the wrong address in 2016.
                              Could you expand on this?
                              Did AG have knowledge or should have known, a more current address?
                              Was this alleged debt assigned to anyone else? (IE could there be a chain of assignments?)

                              A copy of hsbc terms and conditions of a bank account and a copy of two £1.00 payments made in 2012. Nothing else.
                              so i dont have any other information.
                              Do you have any idea what these could be?
                              If it were me I'd SAR HSBC for all data held on this.
                              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

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