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Hi
I found this site through searching on various keywords so hope you can guide me through the process of defending this claim:
Issue Date:08 May2017
Claimant: Arrow Global Ltd
POC: The claimant claims payment of the overdue balance due from the Defendants(s) under a contract between the Defendant(s) and Marksand Spencer Financial Services PLC dated on or about Dec xx 2002 and assigned to the claimant on Oct xx 2013
Date: 10/03/17 Default Balance £7603.xx
Background
I received a letter from Restons dated 22/03/17 followed by another letter dated 29/03/17 (the standard letters that most people on here seem to get).The latter required a response by 12/04/17. I wrote to Restons on 05/04/17 explaining that I had no knowledge of their client or any debt owed to them and requested a copy of the agreement, statement of account etc. I heard nothing back from them until I received the above claim from Northampton. Restons correspondence indicates that the debt relates to a “Loan” and they also say the last payment was received in March 2012, but I have no knowledge of this either.
I have no knowledge of taking out this loan. I have lived at my current address for around five years as a private tenant as I had to leave my previous home very suddenly due to a serious domestic situation. I left the majority of my belongings behind and eventually had the house re-possessed so have no records of anything prior to then. I have checked my credit file and nothing is showing for this account.I also checked an Experian credit report from 2014 and it is not on there either.
Since receiving the claim and reading through the posts on this forum, I have taken the following action:
1.15/05/17 Acknowledgement of Service done via MCOL. Confirmed.
2.16/05/17/ CCA letter to Arrow Global Ltd withenclosure of £1 postal order.Typed signature. Received/signed for on 17/05/17
3.16/05/17 CPR 31.14 to Restons.Requested copies of originalagreement/contract, default notice, deed & notice of assignment and statement to show how balance arrived at. Typed signature. Received/signed for on 17/05/17
As of today, I have heard nothing back from either Arrow or Restons; not sure if this a good thing or not.
I just wanted to make sure that I have everything covered so far and if it is now just a waiting game. I worked out that I need to submit my defence by 9th June.
Any advice will be greatly appreciated.
Thanks in advance.
I found this site through searching on various keywords so hope you can guide me through the process of defending this claim:
Issue Date:08 May2017
Claimant: Arrow Global Ltd
POC: The claimant claims payment of the overdue balance due from the Defendants(s) under a contract between the Defendant(s) and Marksand Spencer Financial Services PLC dated on or about Dec xx 2002 and assigned to the claimant on Oct xx 2013
Date: 10/03/17 Default Balance £7603.xx
Background
I received a letter from Restons dated 22/03/17 followed by another letter dated 29/03/17 (the standard letters that most people on here seem to get).The latter required a response by 12/04/17. I wrote to Restons on 05/04/17 explaining that I had no knowledge of their client or any debt owed to them and requested a copy of the agreement, statement of account etc. I heard nothing back from them until I received the above claim from Northampton. Restons correspondence indicates that the debt relates to a “Loan” and they also say the last payment was received in March 2012, but I have no knowledge of this either.
I have no knowledge of taking out this loan. I have lived at my current address for around five years as a private tenant as I had to leave my previous home very suddenly due to a serious domestic situation. I left the majority of my belongings behind and eventually had the house re-possessed so have no records of anything prior to then. I have checked my credit file and nothing is showing for this account.I also checked an Experian credit report from 2014 and it is not on there either.
Since receiving the claim and reading through the posts on this forum, I have taken the following action:
1.15/05/17 Acknowledgement of Service done via MCOL. Confirmed.
2.16/05/17/ CCA letter to Arrow Global Ltd withenclosure of £1 postal order.Typed signature. Received/signed for on 17/05/17
3.16/05/17 CPR 31.14 to Restons.Requested copies of originalagreement/contract, default notice, deed & notice of assignment and statement to show how balance arrived at. Typed signature. Received/signed for on 17/05/17
As of today, I have heard nothing back from either Arrow or Restons; not sure if this a good thing or not.
I just wanted to make sure that I have everything covered so far and if it is now just a waiting game. I worked out that I need to submit my defence by 9th June.
Any advice will be greatly appreciated.
Thanks in advance.
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