Blake Lapthorn

[Guest]

Hi Guys

I really hope you can help!

I have received a letter from Blake Lapthorn dated 26 Jan 2015 acting on behalf of Arrow Global Guernsey Limited.

Basically the letter begins with , 'Our Client has instructed us to write to you concerning an outstanding debt due to it. Our client has obtained a County Court Judgement against you dated 19/12/12.The balance outstanding to our client under the Judgement is £601'!

They then go on to give me a lecture on my credit rating and how they can send apply for warrant of control and charge on my property and how they can send this to my place of work to deduct payments from my salary etc!

They have obtained information that suggests I am employed therefore request that I complete a Financial Means questionaire.

I have emailed the lady on the letter to advise that I do not no what this debt is for or that I knew a CCJ has been issued!

PLease please can you advise me on what to do next!!???????

[nemesis45]

Re: Blake Lapthorn

Hi Welcome to LB,
It seems that Arrow Global has a judgement by default.
Do you have any knowledge of the debt?
Did you receive a Claim Pack from the Northampton County Court BC regarding the debt?
Has AG or any other debt collection company contacted you in the past in regard to this.

nem

[FlamingParrot]

Re: Blake Lapthorn

I have received a letter from Blake Lapthorn dated 26 Jan 2015 acting on behalf of Arrow Global Guernsey Limited.

Basically the letter begins with , 'Our Client has instructed us to write to you concerning an outstanding debt due to it. Our client has obtained a County Court Judgement against you dated 19/12/12.The balance outstanding to our client under the Judgement is £601'!

This is the place to search to see if there really is a CCJ against you: http://www.trustonline.org.uk/search-yourself

Have you moved recently? Did you receive any correspondence you left unopened in November/December last year?

If you didn't receive the claim form and there really is a CCJ against you, you may be able to apply for set aside but you'd need to convince the court that you have a viable defence to the claim. Any idea what this may be for? Arrow are just a debt purchaser, so it could relate to any account. £601 is not a very large sum so perhaps an overdraft or a low limit credit card?

They then go on to give me a lecture on my credit rating and how they can send apply for warrant of control and charge on my property and how they can send this to my place of work to deduct payments from my salary etc!

With a CCJ they could apply for a warrant of control (but this method of enforcement is not used often for this type of debt) as well as an attachment of earnings but not a charge on your property, since the debt is below the £1,000 threshold.

[Guest]

Re: Blake Lapthorn

Hi,

No I have not had any correspondence or do I know what this relates to!

What do you suggest I do other than wait for the contact at Blake Lapthorn to reply?

What does Judgement by default mean?

Thanks

[FlamingParrot]

Re: Blake Lapthorn

No I have not had any correspondence or do I know what this relates to!

What do you suggest I do other than wait for the contact at Blake Lapthorn to reply?

Search the public CCJ record to see if there is really one against you (see link on my post above).

What does Judgement by default mean?

When a claim is not acknowledged or defended, the claimant can request default judgment. This is an automated process that does not involve a judge looking at the case: https://www.justice.gov.uk/courts/pr...es/part12#12.1

Meaning of ‘default judgment’

12.1 In these Rules, ‘default judgment’ means judgment without trial where a defendant –
(a) has failed to file an acknowledgment of service; or
(b) has failed to file a defence.