Blake Lapthorn

Hi Guys



I really hope you can help!



I have received a letter from Blake Lapthorn dated 26 Jan 2015 acting on behalf of Arrow Global Guernsey Limited.



Basically the letter begins with , 'Our Client has instructed us to write to you concerning an outstanding debt due to it. Our client has obtained a County Court Judgement against you dated 19/12/12.The balance outstanding to our client under the Judgement is £601'!



They then go on to give me a lecture on my credit rating and how they can send apply for warrant of control and charge on my property and how they can send this to my place of work to deduct payments from my salary etc!



They have obtained information that suggests I am employed therefore request that I complete a Financial Means questionaire.



I have emailed the lady on the letter to advise that I do not no what this debt is for or that I knew a CCJ has been issued!



PLease please can you advise me on what to do next!!???????

Blake Lapthorn

Blake Lapthorn

Hello,



new to the forum so will be grateful for any advice. I have just received an attachment of earnings order from Arrow Global Guernsey Ltd.

This is the first correspondence I have had from them and they have placed a CCJ against me without any previous correspondence.

I did a credit search and found that Arrow have applied for a Court order at my previous address which I had left some seven years ago and the debt was for a credit card some ten years ago.

I now have 8 days to reply with the income/expenditure form but am at a loss as what to do as I haven't had a chance to dispute this or find out any further information.

Can anyone help or relate to this scenario ?

Thanking you in advance.

If they sent you the summons to an address that old, then that is underhand tactics as they should have ascertained your current address in order that you be allowed the chance to defend. This is deceitful at best and down right unlawful at worst.



I would use Form N244 [£155 fee] to get their judgement struck out as they have gone behind you back to ensure they got a default judgement, and based on the age of the agreement it may well be unenforceable at law, which means they should not have taken out a claim at all.



If you have a copy of the agreement, then check it here to see if it is unenforceable at law:



http://ift.tt/1rhCfgP ... CEzWpRdVRK



If you do not have a copy of the agreement, send this letter. They will have 12 working days to comply, otherwise it becomes unenforceable at law unless or until they provide a copy, and may well be unenforceable any way as per the above, and in those 12 days, or until they provide a copy they may not do anything, and that will include the hearing, but be prepared for them to go ahead anyway, which will add to your prospects of getting the judgement set aside or struck out. Adapt as needed:



Letter sent by recorded delivery then this happened :



On returning home today I received a calling card from the County Court Bailiff asking me to contact him.



I have submitted form N244 but have had no reply as yet.



I am not sure what to do can anyone advise please ?



Thank you

Blake Lapthorn