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Hello, hope everyone is well and looking forward to Christmas.
Received Letter before claim from Drydens at start of 2022.
It says its a debt, slightly over £10k, old virgin credit card from ~2016 defaulted 2 years ago.
Asked for documents to be sent regarding this. Eventually received following last week after several months:
1) Assignment letter from credit card company to Arrow
2) Huge PDF file with what looks to be all virgin cc statements in it
3) Two PDF which look like the CCA? T&Cs, but have no info of mine in it apart from "You are [my name and address were here]" - have linked these below.
4) Looks like a screenshot from Arrow internal system just showing my name, address and balance
Picture link of 3) above: https://imgur.com/a/vugVgAf
Do I have any grounds to fight this or does this constitute them having the proper CCA?
If I setup a payment plan (am unemployed and cannot afford much more than £1-£10 a month) then that is admitting the debt, so they take me to court at any point they will get awarded the full amount, right?
The problem with paying it though the debt company is it will never go away if I am always making payments, right? Is it ever worth leaving it to go CCJ (I remember having separate debts like 15 years ago which I never even saw the build up of court/debt company letters, just remember getting a judgement - judge awarded only ~30% of the debt which I paid off at the set £50 a month).
If it goes to CCJ I am running the risk of the judge awarding all of it and at a high monthly amount? I know you can vary the payment but as I understand it you need to have admitted the debt or challenged it at the Claim Pack stage and/or made an offer previously to the claimant?
They request a Personal Circumstances form back to them in 30 days. For a debt this size does anyone have any experience?
Not sure what to do.
Thanks
Received Letter before claim from Drydens at start of 2022.
It says its a debt, slightly over £10k, old virgin credit card from ~2016 defaulted 2 years ago.
Asked for documents to be sent regarding this. Eventually received following last week after several months:
1) Assignment letter from credit card company to Arrow
2) Huge PDF file with what looks to be all virgin cc statements in it
3) Two PDF which look like the CCA? T&Cs, but have no info of mine in it apart from "You are [my name and address were here]" - have linked these below.
4) Looks like a screenshot from Arrow internal system just showing my name, address and balance
Picture link of 3) above: https://imgur.com/a/vugVgAf
Do I have any grounds to fight this or does this constitute them having the proper CCA?
If I setup a payment plan (am unemployed and cannot afford much more than £1-£10 a month) then that is admitting the debt, so they take me to court at any point they will get awarded the full amount, right?
The problem with paying it though the debt company is it will never go away if I am always making payments, right? Is it ever worth leaving it to go CCJ (I remember having separate debts like 15 years ago which I never even saw the build up of court/debt company letters, just remember getting a judgement - judge awarded only ~30% of the debt which I paid off at the set £50 a month).
If it goes to CCJ I am running the risk of the judge awarding all of it and at a high monthly amount? I know you can vary the payment but as I understand it you need to have admitted the debt or challenged it at the Claim Pack stage and/or made an offer previously to the claimant?
They request a Personal Circumstances form back to them in 30 days. For a debt this size does anyone have any experience?
Not sure what to do.
Thanks
