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Arrow Global Court Action

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  • Arrow Global Court Action

    I received a county court claim from Restons acting for Global in Dec 15. I acknowledged the court action. I then sent off a cca request from Restons and global with a one pound postal order. I then put in my defence probably too early stating I had requested a copy of the credit agreement together with other documentation. I received the postal order back with a letter from arrow stating they do not accept they are the creditor, but they are willing to assist in obtaining the requested information.
    i have now received today a letter from arrow stating my defence alongside a copy of a personal loan agreement from January 2004. I also noticed the debt was for 12,030 but also listed was a loan protection amount for 2,240., there is also a change of solicitor form saying Restons have ceased to act for Arrow, in the letter the claimants name is blanked out in two places. Any advice I am baffled. I will get my husband to scan all correspondence tomorrow and upload. Please can anyone advise
    Thank you
    Tags: None

  • #2
    Re: Arrow Global Court Action

    :bump: for [MENTION=55034]nemesis45[/MENTION] xx
    Debt is like any other trap, easy enough to get into, but hard enough to get out of.

    It doesn't matter where your journey begins, so long as you begin it...

    recte agens confido

    ~~~~~

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

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    • #3
      Re: Arrow Global Court Action

      Originally posted by Kati View Post
      :bump: for @nemesis45 xx
      Thank You [MENTION=49370]Kati[/MENTION] nemxx
      The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

      Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

      If you receive messages from anyone offering advice for a fee please report it to the site team.


      Animo et fide.

      Comment


      • #4
        Re: Arrow Global Court Action

        Originally posted by Coop View Post
        I received a county court claim from Restons acting for Global in Dec 15. I acknowledged the court action. I then sent off a cca request from Restons and global with a one pound postal order. I then put in my defence probably too early stating I had requested a copy of the credit agreement together with other documentation. I received the postal order back with a letter from arrow stating they do not accept they are the creditor, but they are willing to assist in obtaining the requested information.
        i have now received today a letter from arrow stating my defence alongside a copy of a personal loan agreement from January 2004. I also noticed the debt was for 12,030 but also listed was a loan protection amount for 2,240., there is also a change of solicitor form saying Restons have ceased to act for Arrow, in the letter the claimants name is blanked out in two places. Any advice I am baffled. I will get my husband to scan all correspondence tomorrow and upload. Please can anyone advise
        Thank you
        Hi, welcome to LB
        We seem to be getting some confusion on which request goes to which party.
        The CC Request goes to the claimant with the £1 fee.

        A request under the provisions of CPR 31.14 (no fee) goes to the solicitors
        this is for the documents mentioned in the statement of claim only.

        Arrow Global has been taking claim back in house regularly over the past few weeks.

        I agree this is odd.

        Please do get all the documents received posted after removing all personal information,
        names addresses account numbers etc.

        you can alert me by tagging [MENTION=55034]nemesis45[/MENTION] in your post.

        nem
        The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

        Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

        If you receive messages from anyone offering advice for a fee please report it to the site team.


        Animo et fide.

        Comment


        • #5
          Re: Arrow Global Court Action

          Thank you I sent postal orders to both parties, I will contact you tomorrow thanks again

          Comment


          • #6
            Re: Arrow Global Court Action

            Originally posted by Coop View Post
            Thank you I sent postal orders to both parties, I will contact you tomorrow thanks again
            I'll watch out for the tag

            nem
            The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

            Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

            If you receive messages from anyone offering advice for a fee please report it to the site team.


            Animo et fide.

            Comment


            • #7
              Re: Arrow Global Court Action

              Something that you MUST be aware of
              If the claim is for over £10000 you can and will have costs awarded against you if you lose, these can be substantial.
              It must not be treated in the same way as a small claim which is what most claims on here are

              The fact arrow global deny they are the creditor is wrong there is case law to say otherwise

              There are some good solicitors about who may help you on a no win no fee basis

              Comment


              • #8
                Re: Arrow Global Court Action

                Please see attached pdf files. Please see template letters sent to Arrow and Restons.
                Thank you Nemesis

                ---------------------------

                Arrow letter sent. Documents they sent back to me up-loaded attached.


                BELVEDERE
                12 BOOTH STREET
                MANCHESTER
                M2 4AW
                Dear Sir/Madam
                Re:− Account Number
                Please treat this letter as a formal request for you to supply a copy of my Consumer Credit Agreement as is my entitlement under sections 77-79 of the Consumer Credit Act 1974.
                I require you to provide me with a true copy, or reconstituted copy of the credit agreement relating to any account you deem to be mine, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit.
                Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter.
                If it is your view that you are not the creditor, s.175 of the CCA1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189.
                I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.
                Yours faithfully,


                -------------------------------------------

                Restons Letter sent- No reply.

                DATE 4th January 2015
                ----------------------------------------------
                CLAIMANT-ARROW GLOBAL LIMITED
                BELVEDERE
                12 BOOTH STREET
                MANCHESTER
                M2 4AW


                Dear Sir/Madam
                Re:− Account Number
                Claim Number:
                Request for documents mentioned in a statement of case under CPR 31.14
                On /12/2015 I received a County Court claim from yourselves of which I have acknowledged receipt indicating my intention to defend in full.
                To enable me to file my defence and/or counterclaim, I require inspection of documents you mention in your statement of case ahead of filing my defence - Egg Contract -a/c no-
                In accordance with CPR 31.15(c) I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.
                You should note that this claim has not yet been allocated to a specific track and the provisions of CPR 27(2) are of no effect. Had your claim not been issued through CCBC the Claimant would have been obliged to attach copies of the documentation upon which it relies to the Particulars of Claim. I , as Defendant, am entitled to see the documents on which the Claimant relies and which you will have to produce at trial. Disclosure at this stage will enable me to fully plead my case and further the Overriding Objective.
                You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are copied to and received by me within 7 days of receiving this letter.
                If you require more time in which to comply with this request you must tell me in writing and confirm your agreement to an extension of the time allowed for me to file my defence as allowed under CPR 15.5 so I may notify the court.
                I look forward to hearing from you.
                Yours sincerely
                Attached Files

                Comment


                • #9
                  Re: Arrow Global Court Action

                  Please see attachment change of solicitor.

                  Restons replied this morning Saturday 23rd to say they are no longer instructed to act by Arrow and reply direct to them in the future.

                  Kind Regards.
                  Attached Files

                  Comment


                  • #10
                    Re: Arrow Global Court Action

                    Originally posted by Coop View Post
                    Please see attachment change of solicitor.

                    Restons replied this morning Saturday 23rd to say they are no longer instructed to act by Arrow and reply direct to them in the future.

                    Kind Regards.
                    Its an upside down world aint it?

                    Comment


                    • #11
                      Re: Arrow Global Court Action

                      lol here
                      Attached Files
                      Away till 25th May xx

                      “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.”
                      Hetty Bower

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

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

                      If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

                      Find Solicitors offering fixed fees on our sister site - JustBeagle.com

                      Comment


                      • #12
                        Re: Arrow Global Court Action

                        Coop
                        I know you haven't actually said but what does the claim form say and how much is it for, it could have a major impact on what advice is given

                        Comment


                        • #13
                          Re: Arrow Global Court Action

                          Hello COOP,
                          Responding to your PM.

                          Arrow Global have taken quite a few claims in house in recent weeks.

                          It's anybody's guess why, they have mentioned a " specialist litigation team" recently what that
                          consists of I have no idea.

                          I've seen some awfully bad claims issued by AG in the past so it makes me wonder if Restons have
                          returned claims to AG fir this reason.
                          nem

                          - - - Updated - - -

                          Originally posted by NWHC View Post
                          Coop
                          I know you haven't actually said but what does the claim form say and how much is it for, it could have a major impact on what advice is given
                          Post#1 £12.03K

                          nem
                          The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

                          Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

                          If you receive messages from anyone offering advice for a fee please report it to the site team.


                          Animo et fide.

                          Comment


                          • #14
                            Re: Arrow Global Court Action

                            Thanks Nem
                            It wasn't clear, and I think it still needs confirming if that was the value of the claim or the original loan value , particularly as there is also mention of a figure for insurance.
                            As I suggested if it is over £10K Coop needs to be particularly careful that they do not end up with a substantial costs order if they lose

                            Comment


                            • #15
                              Re: Arrow Global Court Action

                              Also, as well as the actual amount of the claim, can you confirm when you stopped making payments on this loan? If it was taken out in 2004 and was payable over 5 years you'd have defaulted before 2009 to have this claim against you so you could have a defence of time barred as well.
                              Away till 25th May xx

                              “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.”
                              Hetty Bower

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

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

                              If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

                              Find Solicitors offering fixed fees on our sister site - JustBeagle.com

                              Comment

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                              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 ...
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