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Hello,
I am new here and was looking for help.
in 2019 I applied for a CCA for a defaulted Halifax card that had been sold to Arrow. I have always disputed this account and believe it was taken out by someone who moved into my previous property. I had moved a year previously to my current address. I was bullied by Arrow into making payments at a time when I had suffered a breakdown and was terrified of debt collectors turning up.
when I learnt about CCAs I wrote to Arrow who funny enough couldn’t provide anything. About 8 months after stating they couldn’t prove the debt a letter arrived. It had my signature on some fudged together agreement. The agreement stated the application was made at my current address. It wasn’t it shows on my credit file as my old address and Halifax have confirmed they never had my new address. Also the signature they used was a dated a year after the credit card was taken out - it was taken from a bank account application !! I got some legal advice at the time who said this was borderline fraudulent and could not be considered a CCA. Arrow said they would refer back to Halifax and it would remain unenforceable. Then 2 weeks before the default was due to drop off Drysdenfairfax wrote to me threatening CCJ’s.
I spoke with the National Debt helpline who sent me template to request sight of the CCA or new information they had that made this debt active again. The letter was sent recorded delivery and signed for by them but to date no response. I have now received court papers for a CCJ!! I have also just learnt The solicitors are owned by Arrow so surely they already know they can’t enforce this debt as there is no CCA.
so what do I do now? Looking at your guides I need to accept the claim then ask for an extension. Would I then go down the CCA route again ? Is this via Arrow or the solicitors or both ? Is there a way if preventing this going to court or am I going to have to defend this? Surely they can bring on court action if they’ve already confirmed they can’t provide a CCA?
thank you in advance
I am new here and was looking for help.
in 2019 I applied for a CCA for a defaulted Halifax card that had been sold to Arrow. I have always disputed this account and believe it was taken out by someone who moved into my previous property. I had moved a year previously to my current address. I was bullied by Arrow into making payments at a time when I had suffered a breakdown and was terrified of debt collectors turning up.
when I learnt about CCAs I wrote to Arrow who funny enough couldn’t provide anything. About 8 months after stating they couldn’t prove the debt a letter arrived. It had my signature on some fudged together agreement. The agreement stated the application was made at my current address. It wasn’t it shows on my credit file as my old address and Halifax have confirmed they never had my new address. Also the signature they used was a dated a year after the credit card was taken out - it was taken from a bank account application !! I got some legal advice at the time who said this was borderline fraudulent and could not be considered a CCA. Arrow said they would refer back to Halifax and it would remain unenforceable. Then 2 weeks before the default was due to drop off Drysdenfairfax wrote to me threatening CCJ’s.
I spoke with the National Debt helpline who sent me template to request sight of the CCA or new information they had that made this debt active again. The letter was sent recorded delivery and signed for by them but to date no response. I have now received court papers for a CCJ!! I have also just learnt The solicitors are owned by Arrow so surely they already know they can’t enforce this debt as there is no CCA.
so what do I do now? Looking at your guides I need to accept the claim then ask for an extension. Would I then go down the CCA route again ? Is this via Arrow or the solicitors or both ? Is there a way if preventing this going to court or am I going to have to defend this? Surely they can bring on court action if they’ve already confirmed they can’t provide a CCA?
thank you in advance
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