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Hi there,
I have a question I hope somebody can help me with. We have been paying a historic debt originally with Sainsbury's Bank, a personal loan, jointly with my husband. The debt itself has since fallen off our credit records. We stopped paying it briefly and Sainsbury's Bank issued court proceedings.
After advice from a debt counselling service we offered a nominal amount of £1 per month and this has been paid ever since. A couple of years ago the debt was assigned to Arrow Global who have not provided any statements thus far which I believe they are required to do.
We have been paying our £1 per month to Restons Solicitors on behalf of Arrow Global. I enquired on this forum recently regarding the debt and I was advised to send a CCA Request - Restons have responded that they are not required to provide a CCA as our liability has already been determined when the Court awarded judgment back in 2009. They have sent back our £1 postal order sent with the CCA Request and Arrow Global have sought an urgent review of our circumstances and want an offer of payment plus a income and expenditure questionnaire returned by 15 December.
They have also provided a statement for the period since Arrow Global took the debt over. Are they correct in their assertion that we are not entitled to a CCA from them?
I thought that without a copy of the CCA being provided they were not entitled to collect the money from us. Please advise as I am totally confused and don't know where we stand. Thanks in advance for any assistance you can provide.
I have a question I hope somebody can help me with. We have been paying a historic debt originally with Sainsbury's Bank, a personal loan, jointly with my husband. The debt itself has since fallen off our credit records. We stopped paying it briefly and Sainsbury's Bank issued court proceedings.
After advice from a debt counselling service we offered a nominal amount of £1 per month and this has been paid ever since. A couple of years ago the debt was assigned to Arrow Global who have not provided any statements thus far which I believe they are required to do.
We have been paying our £1 per month to Restons Solicitors on behalf of Arrow Global. I enquired on this forum recently regarding the debt and I was advised to send a CCA Request - Restons have responded that they are not required to provide a CCA as our liability has already been determined when the Court awarded judgment back in 2009. They have sent back our £1 postal order sent with the CCA Request and Arrow Global have sought an urgent review of our circumstances and want an offer of payment plus a income and expenditure questionnaire returned by 15 December.
They have also provided a statement for the period since Arrow Global took the debt over. Are they correct in their assertion that we are not entitled to a CCA from them?
I thought that without a copy of the CCA being provided they were not entitled to collect the money from us. Please advise as I am totally confused and don't know where we stand. Thanks in advance for any assistance you can provide.
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