bobogosing's UE diary

[Joanna Connolly Solicitors]

As for the recored post, have you ordered any thing that is too large ? I've never had any letters from creditors that need to be signed for

Hello fpoiela

I agree it’s rare for creditors to send general correspondence by Royal Mail Recorded Delivery, but it can happen if it’s a package in response to a Subject Access Request.

And sometimes it’s done to establish if the person is still living at an address so they seek a signature for confirmation.

Incidentally, if you have Royal Mail Redirect set up, Royal Mail inform the sender that the letter/package has been redirected, albeit they don’t reveal the new address. However that’s enough to let the sender know the person who they were trying to reach doesn’t live there.

Some debt purchasers and/or their instructed solicitors then issue a court claim to the old address allowing them to potentially obtain a Default Judgment if the debtor doesn’t received it.

Do you have any debts which you would like help with?

Di

[fpoiela]

It is great that I came across this forum. I really need some consultation and advice on the credit. However, I would like to meet in real-time. Are there experts in the area of *********** ? I would like to know the cost of the advice and how quickly I can arrange the meeting? If there are specialists here, please send me your quotes to my private box. Many thanks.

[bobogosing]

She does have a certain knack of doing that doesn't she......You are in very safe hands

As others have said, They will be able to explain and advise you of the way forward. I can confirm from personal experience that Jo and her colleagues are fantastic.

For everything else, There is AAD - I know its a worrying and stressful time when a claim hits the mat, But post up here no matter how big or small and I am sure we will get you feeling better about this in no time - First hand experiences from those who have been in exactly the same situation and come out the other side

Your doing great

Thank you so much Spud!

We did feel the the end of the world have came when we opened the brown envelope

Di was fantastic, she replied my email asap and really calmed me down in no time with her super friendly service
Jo even called to let me know the arranged telephone call would be delayed......super service, stopped me panicking why the call wasn't happening , lol!!

We are really grateful for this forum, we wouldnt have known what to do
And really grateful Di took care of our worries asap

Will keep you guys updated and fingers crossed we will whip ARROW

bobo xx

[Spud]

I am relieved after chatting with Di, she has eased my worries.
Let the battle commence.....lol!

She does have a certain knack of doing that doesn't she......You are in very safe hands

As others have said, They will be able to explain and advise you of the way forward. I can confirm from personal experience that Jo and her colleagues are fantastic.

For everything else, There is AAD - I know its a worrying and stressful time when a claim hits the mat, But post up here no matter how big or small and I am sure we will get you feeling better about this in no time - First hand experiences from those who have been in exactly the same situation and come out the other side

Your doing great

[bobogosing]

sometimes just knowing someone is there is all it takes,
Good Luck x

Very true Nightwatch and thank you! xx

[nightwatch]

sometimes just knowing someone is there is all it takes,
Good Luck x

[bobogosing]

Congratulations on joining the Joanna Connolly appreciation society! As Di has told you try not to worry about this. (This always so easy to say, but not so easy to do!) Joanna and her team are brilliant and will help sort everything out for you. Their knowledge and success rate in excellent. They will explain all your options and guide you in the right direction.
Good luck.

Thank you Cymruambyth!

I am relieved after chatting with Di, she has eased my worries.
Let the battle commence.....lol!

[cymruambyth]

Congratulations on joining the Joanna Connolly appreciation society! As Di has told you try not to worry about this. (This always so easy to say, but not so easy to do!) Joanna and her team are brilliant and will help sort everything out for you. Their knowledge and success rate are excellent. They will explain all your options and guide you in the right direction.
Good luck.

[bobogosing]

No need to be worried - I've replied to your email

Di

Thank you Di! Really appreciate your help bobo xx

[Joanna Connolly Solicitors]

My hubby have now received Claim Form from "County Court Business Centre", will forward the letter to Diana Mayhew and see whats the next step . . .

So worried, cannot think right (

No need to be worried - I've replied to your email

Di

[bobogosing]

I can't find the history of this debt to see when it was assigned to Arrow Global (Guernsey).

Was that last payment in 2010 made to MBNA or to Arrow or someone else?

When was the account defaulted (what year) since there are other potential arguments as to when the Statute Barred clock starts to tick for legal purposes, not just the last payment?

Did you send your s77-79 CCA Request to MBNA or Arrow or someone else?

I can see a post which says that Niddy said the credit agreement was enforceable, is that right?

What correspondence have you sent to Arrow since they purchased the debt?

You (your Hubby) have 30 days to reply to the Letter of Claim so you have time to research the background first. It's tempting to fire off a response to 'make it go away' but this can only trigger a more serious attempt by the debt owner to remedy any flaws that may have been made along the line and then they issue a claim when they've got all their ducks in a row.

Take your time.

Di

Morning all!

As I have been waiting for MBNA's SAR, I have completely forgotten about the letter from Drydensfairfax letter dated 11/3/19. MBNA still not sent the SAR

My hubby have now received Claim Form from "County Court Business Centre", will forward the letter to Diana Mayhew and see whats the next step and also anyone's advise will be appreciated..

it says we have "14 days of the day service (or particulars of claim if served separately). The attached forms may be used for that purpose. The day of service is taken as 5 days after the issue date shown overleaf. Received the claim form yesterday 9th May and the claim form issue date is 7th May.

So worried, cannot think right (

Thank you!

bobo xx

[bobogosing]

I can't find the history of this debt to see when it was assigned to Arrow Global (Guernsey).

Was that last payment in 2010 made to MBNA or to Arrow or someone else?

When was the account defaulted (what year) since there are other potential arguments as to when the Statute Barred clock starts to tick for legal purposes, not just the last payment?

Did you send your s77-79 CCA Request to MBNA or Arrow or someone else?

I can see a post which says that Niddy said the credit agreement was enforceable, is that right?

What correspondence have you sent to Arrow since they purchased the debt?

You (your Hubby) have 30 days to reply to the Letter of Claim so you have time to research the background first. It's tempting to fire off a response to 'make it go away' but this can only trigger a more serious attempt by the debt owner to remedy any flaws that may have been made along the line and then they issue a claim when they've got all their ducks in a row.

Take your time.

Di

Morning all!

As I have been waiting for MBNA's SAR, I have completely forgotten about the letter from Drydensfairfax letter dated 11/3/19. MBNA still not sent the SAR

My hubby have now received Claim Form from "County Court Business Centre", will forward the letter to Diana Mayhew and see whats the next step and also anyone's advise will be appreciated..

it says we have "14 days of the day service (or particulars of claim if served separately). The attached forms may be used for that purpose. The day of service is taken as 5 days after the issue date shown overleaf. Received the claim form yesterday 9th May and the claim form issue date is 7th May.

So worried, cannot think right (

Thank you!

bobo xx

[bobogosing]

I can't find the history of this debt to see when it was assigned to Arrow Global (Guernsey).

Was that last payment in 2010 made to MBNA or to Arrow or someone else?

When was the account defaulted (what year) since there are other potential arguments as to when the Statute Barred clock starts to tick for legal purposes, not just the last payment?

Did you send your s77-79 CCA Request to MBNA or Arrow or someone else?

I can see a post which says that Niddy said the credit agreement was enforceable, is that right?

What correspondence have you sent to Arrow since they purchased the debt?

You (your Hubby) have 30 days to reply to the Letter of Claim so you have time to research the background first. It's tempting to fire off a response to 'make it go away' but this can only trigger a more serious attempt by the debt owner to remedy any flaws that may have been made along the line and then they issue a claim when they've got all their ducks in a row.

Take your time.

Di

Morning all!

As I have been waiting for MBNA's SAR, I have completely forgotten about the letter from Drydensfairfax letter dated 11/3/19. MBNA still not sent the SAR

My hubby have now received Claim Form from "County Court Business Centre", will forward the letter to Diana Mayhew and see whats the next step and also anyone's advise will be appreciated..

it says we have "14 days of the day service (or particulars of claim if served separately). The attached forms may be used for that purpose. The day of service is taken as 5 days after the issue date shown overleaf. Received the claim form yesterday 9th May and the claim form issue date is 7th May.

So worried, cannot think right (

Thank you!

bobo xx

[bobogosing]

That's a shame with the SB dates.......but hopefully its not all lost and there are other points which will assist you with this ( I have not read back through your diary)

And don't worry too much about the SAR request........These things happen..........Crisis avoided..........every day is a school day

Thank you Spud! Fingers crossed I will pass smoothly till next years SB date
And I will remember to ask you guys for advise first before I make any move to respond the creditors

bobo xx

[Spud]

That's a shame with the SB dates.......but hopefully its not all lost and there are other points which will assist you with this ( I have not read back through your diary)

And don't worry too much about the SAR request........These things happen..........Crisis avoided..........every day is a school day