Tweet
Hi,
Apologies for the length of the post, I'm a newbie
I have enough debt to make Greece look wealthy, mainly credit cards and a few loans but got caught out on the property crash and am now in debt for about £110k.
Obviously I have many issues but the worst at present is a ccJ that was initaited by Arrow via Northampton processing centre. I sent a defence saying there was no agreement. This was ignored by Arrow and the court and judgement was made against me, ( just under £12k) I mentioned this to the solicitors who said that judgement had been issued and nothing cold be done. Arrow put everything on hold which it still is.
My points are:
No agreement or copy agreement was forthcoming, requestes for it were ignored.
I continued to pay the previous owner of the debt (£1 per month token gesture) who failed to inform me it had been sold on.
I continued to pay. The previous owners of the debt did not pass on my payment details, ( which I believe is Harrassment under FCA guidlines.)
No agrement has been forthcoming...still!
Further letter saying that Arrow are looking into it, ( after several months) which I take as constructive harassment as they know, or at least should know,) that not informing me that they don't have and have never seen the agreement is harassment, it breaches CCA 74 section 76-78, FCA guidlines. They should inform me on every occasion that the debt is unenforceable, which they haven't.
Their lawyers, having been informed of the miscarriage of procedures and arguably, justice, have washed their hands of it, which I believe is in breach of Solicitor Regulatory Assoc rules and regs. They know irregularities have occurred and have ignored them. Can that be right?
I understand that the court takes cases on trust and that there is a fortnight period in which the paperwork must be supplied. Why did the courts not pick this up? Who is to blame for the progression of the case with absolutely no documentation whatsoever?
The original owner should have informed Arrow of the nature, ( ie unnforcability) of the debt, that there were payment arrangements in place that must be conveyed to the new owner.
So I am now wondering which way to turn. I want to have the CCJ reversed, the solicitors brought to book and the debt agencies made liable for harassment and stress. Help,please!
Any info greatly received.
Sincerely,,
Creditavenger
Apologies for the length of the post, I'm a newbie
I have enough debt to make Greece look wealthy, mainly credit cards and a few loans but got caught out on the property crash and am now in debt for about £110k.Obviously I have many issues but the worst at present is a ccJ that was initaited by Arrow via Northampton processing centre. I sent a defence saying there was no agreement. This was ignored by Arrow and the court and judgement was made against me, ( just under £12k) I mentioned this to the solicitors who said that judgement had been issued and nothing cold be done. Arrow put everything on hold which it still is.
My points are:
No agreement or copy agreement was forthcoming, requestes for it were ignored.
I continued to pay the previous owner of the debt (£1 per month token gesture) who failed to inform me it had been sold on.
I continued to pay. The previous owners of the debt did not pass on my payment details, ( which I believe is Harrassment under FCA guidlines.)
No agrement has been forthcoming...still!
Further letter saying that Arrow are looking into it, ( after several months) which I take as constructive harassment as they know, or at least should know,) that not informing me that they don't have and have never seen the agreement is harassment, it breaches CCA 74 section 76-78, FCA guidlines. They should inform me on every occasion that the debt is unenforceable, which they haven't.
Their lawyers, having been informed of the miscarriage of procedures and arguably, justice, have washed their hands of it, which I believe is in breach of Solicitor Regulatory Assoc rules and regs. They know irregularities have occurred and have ignored them. Can that be right?
I understand that the court takes cases on trust and that there is a fortnight period in which the paperwork must be supplied. Why did the courts not pick this up? Who is to blame for the progression of the case with absolutely no documentation whatsoever?
The original owner should have informed Arrow of the nature, ( ie unnforcability) of the debt, that there were payment arrangements in place that must be conveyed to the new owner.
So I am now wondering which way to turn. I want to have the CCJ reversed, the solicitors brought to book and the debt agencies made liable for harassment and stress. Help,please!
Any info greatly received.
Sincerely,,
Creditavenger
Comment