Drysden Fairfax financial statement

[stuffthebanks]

A very good morning Roger,
A big thank you for your reply to my question.
It's been a long old time since i started my journey to sort out debt issues.
This account was assigned to Arrow global in August 2011,assignment letters received from Arrow and Sainsbury.
A request for the SAR including the CCA was received November 2011, sent from Sainsburys bank..
All of that information received has not been checked by someone who knows what they are looking for.
Westcot services were appointed by Arrow to manage the service of the account, which then went over to Drysden Fairfax in 2012.

Is it still Niddy who checks agreements etc.?

Cheers Roger.

[Roger]

Hello all,
Its been a very long time since i last posted, my credit file is clean this June and most of my debt more or less settled.
This question is on behalf of my other half if you guys can remind me of the possible ways to handle a recent financial statement request from Drysden fairfax.
My OH had a Sainsburys credit card way back in 2003, we both fell behind with payments and eventually the debt was sold on to Arrow Global.
The amount outstanding is for nearly £3000.
Payments of £10.00 per month have been made each month for the past 4 years.
They have now requested a financial statement to look at the current agreement.
My question is should she fill in the statement and if so should she include my earnings and outgoings?
I know in the past i always ignored these requests on my debts, but i want to make sure i am not asking my OH to risk possible court action to recover the debt if she does not comply with this request.

We did request the credit agreement details way back and they came back as enforceable as far as i can remember.

Hope this is enough information, and thank you in advance for any advice given.

All the best

Steve

Only a Court can make you complete a I&E.
There are many reasons for why a Debt may be UE and I think that before considering anything you should try and fill in the gaps.
Others may have other ideas But my thoughts here are file Drysden letter but don't reply!

Whether you make the monthly payments or not will be your decision BUT its your wifes debt and Income not yours!

By making these payments the debt has been acknowledged and the Statute Bar restarted!

Is this debt still on your wifes Credit file?

When did your wife request the CCA? Was this before the debt was sold to Arrow? Who said that the Agreement was EN?
If The CCA request wasn't made to Arrow I would do this Now plus £1 send AAD template to Arrow the Debt Owners who knows what information is available after 17 years?

Whom was the Debt Assigned to? does your wife know? and does she have the Notice of Assignment?
There might be assignment issues with Arrow so you need to know this!

If your old CCA request was to Arrow and it has been checked by AAD then I would send a SAR to Sainsbury (GDPR there is nolonger a charge) to see exactly what information the Original Creditor has and what perhaps Arrow may have after 17 years.

Before deciding to continue I would first ascertain whether this Debt is actually EN!

[stuffthebanks]

Hello all,
Its been a very long time since i last posted, my credit file is clean this June and most of my debt more or less settled.
This question is on behalf of my other half if you guys can remind me of the possible ways to handle a recent financial statement request from Drysden fairfax.
My OH had a Sainsburys credit card way back in 2003, we both fell behind with payments and eventually the debt was sold on to Arrow Global.
The amount outstanding is for nearly £3000.
Payments of £10.00 per month have been made each month for the past 4 years.
They have now requested a financial statement to look at the current agreement.
My question is should she fill in the statement and if so should she include my earnings and outgoings?
I know in the past i always ignored these requests on my debts, but i want to make sure i am not asking my OH to risk possible court action to recover the debt if she does not comply with this request.

We did request the credit agreement details way back and they came back as enforceable as far as i can remember.

Hope this is enough information, and thank you in advance for any advice given.

All the best

Steve