Start of my diary

[Strepsi]

That was quick!

I wonder whether it is a Letter of Claim or just an introductory letter from Drydens.

Does it include a Reply Form with Boxes A, B, C or D to tick? And is there an I & E Form also attached?

If it is a Letter of Claim it should make that clear and give you 30 days to reply.

Di

It's a Hello letter, giving me until 1st week of August, then I suspect I will getting an LBC.

It does include an I and E form though.

[PlanB]

It's a Hello letter, giving me until 1st week of August, then I suspect I will getting an LBC.

It does include an I and E form though.

Oh good, it's not a Letter of Claim.

What does it say they'll do if you don't reply/pay up next week?

I hate the way debt purchasers use solicitors to collect debt knowing that the headed notepaper will scare the living daylights out of the poor debtor. I see that as bullying.

I also hate the way the solicitors set a deadline for response to their letters so as to pile on the pressure hoping you'll buckle under from fear of legal proceedings being issued, when in a lot of cases they haven't even checked to see if they have the required paperwork to proceed.

I know you suspect you will get a Letter of Claim next week, but try and adopt a glass half full not half empty approach.

And even if you do (although I suspect there will be a few more letters from Drydens before that happens) then post on here for suggestions on how to manage the situation.

Sending a CCA Request might be the next step but don't rush into that yet - you're trying to bide time until this gets to Statute Barred in a few months.

Di

[Strepsi]

Oh good, it's not a Letter of Claim.

What does it say they'll do if you don't reply/pay up next week?

I hate the way debt purchasers use solicitors to collect debt knowing that the headed notepaper will scare the living daylights out of the poor debtor. I see that as bullying.

I also hate the way the solicitors set a deadline for response to their letters so as to pile on the pressure hoping you'll buckle under from fear of legal proceedings being issued, when in a lot of cases they haven't even checked to see if they have the required paperwork to proceed.

I know you suspect you will get a Letter of Claim next week, but try and adopt a glass half full not half empty approach.

And even if you do (although I suspect there will be a few more letters from Drydens before that happens) then post on here for suggestions on how to manage the situation.

Sending a CCA Request might be the next step but don't rush into that yet - you're trying to bide time until this gets to Statute Barred in a few months.

Di

What does it say they'll do if you don't reply/pay up next week?
It reads
"We are solicitors instructed by our client Arrow Global Ltd, to obtain payment of the amount due of £1000.00 or take appropriate recovery action should you fail to pay...by the 6th August.

When Drydens contacted before relating to another HSBC account, I received two letters, one the same as this the second a LBC. I aren't sure whether it is a glass half full approach, more an expectation.

With regards CCA, the tactic I used before was to send one to both Drydens and one to Arrow. Would I be correct in assuming that I would send CCA part way through the response time for the LBC and ticking box D?

[Timewilltell]

Sounds like a plan too me.

[PlanB]

When Drydens contacted before relating to another HSBC account, I received two letters, one the same as this the second a LBC. I aren't sure whether it is a glass half full approach, more an expectation.

With regards CCA, the tactic I used before was to send one to both Drydens and one to Arrow. Would I be correct in assuming that I would send CCA part way through the response time for the LBC and ticking box D?

I think you will feel more relaxed if you send the CCA Request sooner rather than later. So send it to Arrow now with a copy to Drydens who may take a step back while their client attempts to comply.

I sense you want to avoid a Letter of Claim if you can. If they do send one you can cross that bridge when you get to it.

Di

[The Tech Clerk]

CCA get proof postings and keep copies on file

[Strepsi]

I think you will feel more relaxed if you send the CCA Request sooner rather than later. So send it to Arrow now with a copy to Drydens who may take a step back while their client attempts to comply.

I sense you want to avoid a Letter of Claim if you can. If they do send one you can cross that bridge when you get to it.

Di

I have taken your advice, both requests are in enveloples ready to be sent tomorrow along with postal orders. One to Drydens and one to Arrow.

We will see how we get on.

[The Tech Clerk]

only one postal order required the other is only copy for info to drydens.

[Strepsi]

Hi Strepsi,

That is good news.

It may not stop them issuing a Claim. However, the letter you have received needs to be guarded as, if they do issue, you have concrete evidence they have issued a Claim which is completely without merit.

If they don't have any agreement how can they possibly have considered the merits of any potential action and satisfied themselves that any alleged agreement is enforceable?

Furthermore, the Court of Appeal has held that absent evidence of service and expiry of a compliant Default Notice a Claim cannot succeed, and a consumer has an unanswerable right to apply for the said Claim to be dismissed. That Court of Appeal Judgment is binding on all Court's below.

If they issue you are basically pushing on an open door.

I'd suggest filing the letter away in a safe place and remaining silent.

They should actually have written to you to advise any alleged debt is unenforceable.

Claim has been issued against me. Just received letter from Northampton.

[Colin G Quinn]

Hi,

I see I have been quoted/tagged in. Would you like me to take a look at the Claim Form you have received? If so, my email address is in the legal disclaimer below.

[Colin G Quinn]

Hi again,

I have received your email. I'll review the Particulars of Claim and come back to you.

[Strepsi]

Hi again,

I have received your email. I'll review the Particulars of Claim and come back to you.

I have now got Joanna Connolly Solicitors working for me (again).

In safe hands...

[Strepsi]

Just a general question.

My wife is considering applying for a CC, only to be used in emergency.

I read somewhere that it isn't a good idea whilst aiming for SB'd.

Is this the case, if it is why?

[Warwick65]

Just my opinion but when you get a CC it shows on your credit file. Creditors may see it as a sign you have disposable income so can pay them.

I got my only court claim after I took out my first new CC. Now I have some at good interest rates or with decent benefits e.g Virgin at 9.9% and Sainsbury with nectar points.

[Strepsi]

Just my opinion but when you get a CC it shows on your credit file. Creditors may see it as a sign you have disposable income so can pay them.

I got my only court claim after I took out my first new CC. Now I have some at good interest rates or with decent benefits e.g Virgin at 9.9% and Sainsbury with nectar points.

Hi,

I currently have a court claim at the moment. There is one that I have asked for more information that has gone to Arrow/Drydens. So waiting on that.

The other debts that I/we have don't look close to getting to be a threat with court claims, their level of threat hasn't increased for a while.

Our SB month will be the end of Feb, to be on the safe side.

I mention to my wife it is good to keep our head down, but she has got to the point (I am too) where we need something incase of emergency.

That being said, we won't have great deal of choice with CC as we took a card out with every major provider about 8 years ago!!!