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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Garr1972

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  1. Garr1972
    Will do, thanks Andy.
  2. Garr1972
    Well everything sent now ;-) CCA - Drydensfairfax - 22/4/2014 SAR - MBNA - 22/4/2014 CPR31:14 - Drydensfairfax - 22/4/2014 Is there anything else I need to do apart from work on my defense ?? Cheers Garr
  3. Garr1972
    OK sorry I won't be negative. I will try and find multiple defenses as if you get the wrong judge the standard defense may be hard to fight. How far in advance do you know which judge you get or is it decided on the day?
  4. Garr1972
    Understood
  5. Garr1972
    Hi Andy I knew that the purchase cost was low but this is amazing, what a business !! I have also found out that they changed their name in 2013. 08200522 PDF document(19Kb) Arrow Global Guernsey Limited, Guernsey CNA 512 Arrow Global Guernsey Limited, Manchester Arrow Global Guernsey Limited, Manchester 7 August 2013 Would this mean that they would have a novation agreement, because if they did I definitely did not see or sign anything ?? Cheers Garr
  6. Garr1972
    I know this makes no difference but I have found an Arrow Global Results as of August 2013. It seems that they purchased a debt value of £999M for a price of £68.5M, that means they acquired my debt for 6% of the original cost which is approximately £513 ?????!!!???!??!? Attachment below
  7. Garr1972
    Thanks citizenB, I have done as you suggested. I have also put everything that has happened into a spreadsheet so that it calculates days remaining etc, I have attached a pdf copy for anyone that's interested if you want me to send you an actual copy please PM me with your email. If there are any glaring errors please let me know. Garr [ATTACH]50325[/ATTACH]
  8. Garr1972
    Thanks citizenB, I've searched everywhere but cannot find the DN, I was going to get my wife to send the cheque so I don't inadvertently give them my signature, however I have seen on other posts that I need to sign the CPR does this need to be my actual signature ? Do you think I should send a CPR 18 or will this be too much too soon ?? All replies are greatly appreciated Garr
  9. Garr1972
    Hi rebel11, Sorry got a bit excited and started talking to myself, as soon as I can work out how to edit and merge my posts I will do so. I have never claimed any PPI from any bank for any credit cards, loans or current accounts, this is now my next big thing that I will get stuck in to. Further to that I have also never claimed back any charges or penalties, late fees etc from anyone either. Cheers Garr
  10. Garr1972
    Thanks for replying citizenB, in all honesty I can't remember and I have not kept everything they sent me, the original credit card was taken out in 1999, with a credit limit of £5000 0%APR, even though my earnings were only £15K P/A, this quickly rose to £11K over a period of 2 years. I was a good debtor as I paid every bill from 1999 to 2007,after this they got very aggressive with there charges probably due to the credit crunch and after repeatedly asking for help I defaulted in 2008. I've prepared but not sent - SAR, CCA Request & CPR 31.14. I was sending the SAR to MBNA and the rest to Drydensfairfax, these are ready to go on Tuesday for delivery Wednesday via 'First Class signed for'. I don't have the DN, I literally have not heard off this company Drydensfairfax at all, the first I knew of their existence is when I received the claim form from the court and the same day a letter from Drydensfairfax saying they have transferred this matter to the court. ?? Cheers Garr P.S. How do I edit a post :-/
  11. Garr1972
    Is anybody out there.............. ;-) Is anybody out there.............. ;-)
  12. Garr1972
    I've found some more juicy stuff here --> http://www.bailii.org/ew/cases/Misc/2011/23.html This case is very apt for my particular dilemma, and I can only hope that I get this judge ;-) -->http://www.bailii.org/ew/cases/Misc/2012/19.html
  13. Garr1972
    Sanctions for non-compliance 4.5 The court will look at the overall effect of non-compliance on the other party when deciding whether to impose sanctions. 4.6 If, in the opinion of the court, there has been non-compliance, the sanctions which the court may impose include – (1) staying (that is suspending) the proceedings until steps which ought to have been taken have been taken; (2) an order that the party at fault pays the costs, or part of the costs, of the other party or parties (this may include an order under rule 27.14(2)(g) in cases allocated to the small claims track); (3) an order that the party at fault pays those costs on an indemnity basis (rule 44.3(3) sets out the definition of the assessment of costs on an indemnity basis); (4) if the party at fault is the claimant in whose favour an order for the payment of a sum of money is subsequently made, an order that the claimant is deprived of interest on all or part of that sum, and/or that interest is awarded at a lower rate than would otherwise have been awarded; (5) if the party at fault is a defendant, and an order for the payment of a sum of money is subsequently made in favour of the claimant, an order that the defendant pay interest on all or part of that sum at a higher rate, not exceeding 10% above base rate, than would otherwise have been awarded.
  14. Garr1972
    If they do not produce the CCA or other required documentation this would apply me thinks ?
  15. Garr1972
    I have been doing some reading and it seems that if the claimant does not follow the Pre-Action Protocols it would be frowned upon and at the very least questioned on by the judge. Take a look here --> http://www.justice.gov.uk/courts/procedure-rules/civil/rules/pd_pre-action_conduct Any feedback would be welcomed ;-)

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