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In the year 2000, I took a loan out with Paragon. After being made redundant, then becoming a single parent my life changed completely so did my finances. I paid what I could off the loan, then couldnt pay it at all. Didint hear a thing for years, then last year I started getting letters from Arrow Global, I ignored them then they took me to court. To cut a long story short, I battled it in court and lost and they now have put a charge on my property. The amount of £4122.53. The have now wrote to me saying they want the whole amount or they can force sale on my house. This house is jointly owned with my Husband. There is no equity in my property and there are arrears on the mortgage which we are sorting. The letter that came this week from Fairfax solicitors was a very poor copy. Not the original. Both Arrow Global and Fairfax have been a complete nightmare to deal with. I am at my wits end with all this. Can anyone help.
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SHORTCUTS
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Directions Questionnaire
If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.
NOTE: If you receive a court claim note these dates in your calendar ...
Acknowledge Claim - within 14 days from Service
Defend Claim - within 28 days from Service (IF you acknowledged in time)
If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.
We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
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