Snudgerchops UE Diary.

[snudgerchops]

So going off the above dates the account is SB,
As you have had no further corrispondence for the account , Just let it sit there quietly sleeping x

Nightwatch and All,

I'm really sorry. I've not explained myself terribly well - It's been a while. Most recent correspondence 17/10/18.

Last payment was February 2012.

Diary updated to include most recent correspondence in relation to this account. Received a letter from Shoosmiths, acting on behalf of their client Britannica/Arrow - the original loan was with EGG. A history of the account is below. I have to respond by December 7th or they will write to me again, finally they say this, "If planning to seek advice it is essential you let us know as in the absence of your contact legal action may commence". The amount they are asking for is £5000 less than the original loan and they are offering me a discounted settlement figure, if I pay it they will mark my credit file as "partially settled" and this will remain for six years.

CCA request sent by recorded delivery to Arrow Global. 03/03/2012.
Letter of response with Postal order returned. Dated, 15/03/2012.
Niddy advised to send this 16/03/2012. http://www.all-about-debt.co.uk/temp...lity/s2-t5.php
Following sent by recorded delivery 19/03/2012. http://www.all-about-debt.co.uk/temp...lity/s2-t5.php
04/042012. Received letter in response to above.
17/04/2012. Telephone call from RMA Resolve. Ignored.
23/04/12. Letter from RMA Resolve. Received 10 days after the date on their letter.
24/04/2012. 2nd letter from RMA Resolve. Received 7 days after the date on their letter.
16/03/12. Received a "recon" against an online agreement for one which was completed over the phone.
Niddy advised to send this. Our Templates | Unenforceability Templates | CCA Query - Forged Document Received
31/10/12. Letter from Solicitors acting on behalf of Britannica Recoveries.
03/11/12. Sent this. Account Sold whilst in Dispute
09/01/15. Received citation/writ/warrant from sheriff court on behalf of Britannica Recoveries S.A.R.L - Arrow.
17/10/18. Received letter from Shoosmiths- Discounted settlement offer on behalf of client Britannica. Don't reply legal action might follow.

Really sorry for the confusion.

Thank you for the help

[nightwatch]

Hi Diana,

Thank you for the reply.

Apologies - I've actually messed up. The legal proceedings was for a different account, on advice from Niddy and others I had to enter into an agreement to pay that account. I have now amended my diary below to reflect this. So, the last correspondence I had in relation to the below was on the 11/09/13. I have made no payments to this account since February 2012. I am resident in Scotland.

EGG LOAN/ARROW GLOBAL


Balance: £7500
Default Date: 08/2009
Account Opened: 04/2006

CCA request sent by recorded delivery to Arrow Global. 03/03/2012.
Letter of response with Postal order returned. Dated, 15/03/2012.
Niddy advised to send this 16/03/2012. http://www.all-about-debt.co.uk/temp...lity/s2-t5.php
Following sent by recorded delivery 19/03/2012. http://www.all-about-debt.co.uk/temp...lity/s2-t5.php
04/042012. Received letter in response to above.
17/04/2012. Telephone call from RMA Resolve. Ignored.
23/04/12. Letter from RMA Resolve. Received 10 days after the date on their letter.
24/04/2012. 2nd letter from RMA Resolve. Received 7 days after the date on their letter.
16/03/12. Received a "recon" against an online agreement for one which was completed over the phone.
Niddy advised to send this. Our Templates | Unenforceability Templates | CCA Query - Forged Document Received
31/10/12. Letter from Solicitors acting on behalf of Britannica Recoveries.
03/11/12. Sent this. Account Sold whilst in Dispute
11/09/13. Wescot - We no longer deal with this account, any further communication should be addressed to our client.

Thank you all for the assistance I really appreciate it.

So going off the above dates the account is SB,
As you have had no further corrispondence for the account , Just let it sit there quietly sleeping x

[snudgerchops]

If legal proceedings started in 2015 then the Statute Barred clock would have stopped ticking at that point. So if your last payment was in 2012 the debt would not be SB because the writ was issued.

What happened to those legal proceedings? Were Shoosmiths solicitors instructed in that matter?

Di

Hi Diana,

Thank you for the reply.

Apologies - I've actually messed up. The legal proceedings was for a different account, on advice from Niddy and others I had to enter into an agreement to pay that account. I have now amended my diary below to reflect this. So, the last correspondence I had in relation to the below was on the 11/09/13. I have made no payments to this account since February 2012. I am resident in Scotland.

EGG LOAN/ARROW GLOBAL


Balance: £7500
Default Date: 08/2009
Account Opened: 04/2006

CCA request sent by recorded delivery to Arrow Global. 03/03/2012.
Letter of response with Postal order returned. Dated, 15/03/2012.
Niddy advised to send this 16/03/2012. http://www.all-about-debt.co.uk/temp...lity/s2-t5.php
Following sent by recorded delivery 19/03/2012. http://www.all-about-debt.co.uk/temp...lity/s2-t5.php
04/042012. Received letter in response to above.
17/04/2012. Telephone call from RMA Resolve. Ignored.
23/04/12. Letter from RMA Resolve. Received 10 days after the date on their letter.
24/04/2012. 2nd letter from RMA Resolve. Received 7 days after the date on their letter.
16/03/12. Received a "recon" against an online agreement for one which was completed over the phone.
Niddy advised to send this. Our Templates | Unenforceability Templates | CCA Query - Forged Document Received
31/10/12. Letter from Solicitors acting on behalf of Britannica Recoveries.
03/11/12. Sent this. Account Sold whilst in Dispute
11/09/13. Wescot - We no longer deal with this account, any further communication should be addressed to our client.

Thank you all for the assistance I really appreciate it.

[snudgerchops]

If legal proceedings started in 2015 then the Statute Barred clock would have stopped ticking at that point. So if your last payment was in 2012 the debt would not be SB because the writ was issued.

What happened to those legal proceedings? Were Shoosmiths solicitors instructed in that matter?

Di

Hi Diana,

Thank you for the reply.

Apologies - I've actually messed up. The legal proceedings was for a different account, on advice from Niddy and others I had to enter into an agreement to pay that account. I have now amended my diary below to reflect this. So, the last correspondence I had in relation to the below was on the 11/09/13. I have made no payments to this account since February 2012. I am resident in Scotland.

EGG LOAN/ARROW GLOBAL


Balance: £7500
Default Date: 08/2009
Account Opened: 04/2006

CCA request sent by recorded delivery to Arrow Global. 03/03/2012.
Letter of response with Postal order returned. Dated, 15/03/2012.
Niddy advised to send this 16/03/2012. http://www.all-about-debt.co.uk/temp...lity/s2-t5.php
Following sent by recorded delivery 19/03/2012. http://www.all-about-debt.co.uk/temp...lity/s2-t5.php
04/042012. Received letter in response to above.
17/04/2012. Telephone call from RMA Resolve. Ignored.
23/04/12. Letter from RMA Resolve. Received 10 days after the date on their letter.
24/04/2012. 2nd letter from RMA Resolve. Received 7 days after the date on their letter.
16/03/12. Received a "recon" against an online agreement for one which was completed over the phone.
Niddy advised to send this. Our Templates | Unenforceability Templates | CCA Query - Forged Document Received
31/10/12. Letter from Solicitors acting on behalf of Britannica Recoveries.
03/11/12. Sent this. Account Sold whilst in Dispute
11/09/13. Wescot - We no longer deal with this account, any further communication should be addressed to our client.

Thank you all for the assistance I really appreciate it.

[Joanna Connolly Solicitors]

Sherrif Court - Just ignored it, no correspondence, no letters, nothing at all....

If legal proceedings started in 2015 then the Statute Barred clock would have stopped ticking at that point. So if your last payment was in 2012 the debt would not be SB because the writ was issued.

What happened to those legal proceedings? Were Shoosmiths solicitors instructed in that matter?

Di

[snudgerchops]

i will see if any other mods can help

Thank you really appreciate it.

[nightwatch]

i will see if any other mods can help

[snudgerchops]

OK SB starts from when you last paid ANY money to the account, so if last payment Feb 2012 SB should be in scotland 5 years and one month from then so should of been SB march/ April 2017.

but if you had admitted to the debt in any time between then , for example if you wrote to them, or called them and used the words, My account, this could restart the SB clock,
Shoosmiths must have gotten the newby in the office to type it, if they can't see they are sending post to scotland,

I notice you received a warrant from the Sheriff court in 2015, what happened to that ?

NW

Hi Nightwatch,

Thank you again for responding.

Never admitted to the debt. Always followed Niddy's advice, as per previous post, sold in dispute etc. Sherrif Court - Just ignored it, no correspondence, no letters, nothing at all....

Thanks again

[nightwatch]

OK SB starts from when you last paid ANY money to the account, so if last payment Feb 2012 SB should be in scotland 5 years and one month from then so should of been SB march/ April 2017.

but if you had admitted to the debt in any time between then , for example if you wrote to them, or called them and used the words, My account, this could restart the SB clock,
Shoosmiths must have gotten the newby in the office to type it, if they can't see they are sending post to scotland,

I notice you received a warrant from the Sheriff court in 2015, what happened to that ?

NW

[snudgerchops]

The default date may be 2009 but when did you last make a payment?

Hi Nightwatch,

Thank you for replying.

I can't be certain, it was either January 2012 or February 2012.

[nightwatch]

The default date may be 2009 but when did you last make a payment?

[snudgerchops]

Hi All,

Long time no post. Hope everyone is well and doing okay...

Last month the final default dropped off my credit file - Happy days I thought to myself.

And then, out of the blue I received a letter from Shoosmiths, acting on behalf of their client Britannica/Arrow - the original loan was with EGG. A history of the account is below. I have to respond by December 7th or they will write to me again, finally they say this, "If planning to seek advice it is essential you let us know as in the absence of your contact legal action may commence". The amount they are asking for is £5000 less than the original loan and they are offering me a discounted settlement figure, if I pay it they will mark my credit file as "partially settled" and this will remain for six years.

I thought that this was now statute barred as the default date was August 2009 and I live in Scotland? Any advice on how to respond would be greatly appreciated.


EGG LOAN/ARROW GLOBAL


Balance: £7500
Default Date: 08/2009
Account Opened: 04/2006

CCA request sent by recorded delivery to Arrow Global. 03/03/2012.
Letter of response with Postal order returned. Dated, 15/03/2012.
Niddy advised to send this 16/03/2012. http://www.all-about-debt.co.uk/temp...lity/s2-t5.php
Following sent by recorded delivery 19/03/2012. http://www.all-about-debt.co.uk/temp...lity/s2-t5.php
04/042012. Received letter in response to above.
17/04/2012. Telephone call from RMA Resolve. Ignored.
23/04/12. Letter from RMA Resolve. Received 10 days after the date on their letter.
24/04/2012. 2nd letter from RMA Resolve. Received 7 days after the date on their letter.
16/03/12. Received a "recon" against an online agreement for one which was completed over the phone.
Niddy advised to send this. Our Templates | Unenforceability Templates | CCA Query - Forged Document Received
31/10/12. Letter from Solicitors acting on behalf of Britannica Recoveries.
03/11/12. Sent this. Account Sold whilst in Dispute
09/01/15. Received citation/writ/warrant from sheriff court on behalf of Britannica Recoveries S.A.R.L - Arrow.

Thank you all in advance.

[nightwatch]

Re: Snudgerchops UE Diary.

Hi Snudger.
just checking in to see if every thing is ok.

NW

[MrsD]

Re: Snudgerchops UE Diary.

personally i would wait until you're firmly over the SB line, then you can argue about default dates, remember you've only got 5 years to go not 6

[Pixie]

Re: Snudgerchops UE Diary.

Any idea at all when you last paid?