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

jsa986

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  1. jsa986
    abc
  2. jsa986
    Surely they can only record on your credit file if they can prove the debt is owed. They can do this. Applying for mortgage soon so trying to clear credit history. Otherwise would wait for statute barred
  3. jsa986
    Approx a year ago I asked Arrow Global to "prove" a debt they alleged against me. A year on they were still applying default notices and data on my credit file. For months I had been asking them to remove this data all of which was refused and met with "we are still investigating" As this was not getting any anywhere I emailed the CEO [email protected] who passed it on to someone else and I got a reply within 48hrs. So here is the reply in all its glory To be clear they are not chasing the debt at this time, I am requesting they remove data form my credit file as they can't prove any debt is owed. Comments and opinons please
  4. jsa986
    Thanks for reply, allrecived, i shall tread carefully.
  5. jsa986
    Im not sure how I would evidence that. im going to say no on that. It would have been about ten/12 years ago when it first defaulted. I don have any more information about the debt as i cant even remember what it refers to. I have not had any credit for past 10 years
  6. jsa986
    I noticed on my credit history a company called Arrow globals must have bought a statued bared debt from twelve years ago. Nothing had been paid for about ten years no acknowledgement at all etc etc. They are defaulting me on a monthly basis! I want to challenge this but am concerned about any acknowledgement etc and starting the clock again. As i understand it unless debt is acknowledged in writing or payment made i should be ok but will this lead to harassment for payment? If i send a statue barred notice this definitely wont be an acknowledgement will it? They are also using the day they bought the debt as date of default, about 8 years after the actual date How should I Best deal with this?
  7. jsa986
    Thnaks for your reply and link. I think you might be right. At least I feel more conident knowing about estoppel on this matter now
  8. jsa986
    Thank you for your reply, I shall research both those avenues. I really appriciate your advice Thanks again
  9. jsa986
    Hi All In July 2002 I could not get a mortgage and my father took out a mortgage on a property i have lived in, in his name for which I have paid ever since. A verbal agreement was made that the property was mine, however the deeds are in his name. In the last month he has decided that the property is his and is trying to sell it and keep all the equity. He is also now claiming he was a landlord for the past 12 years although he has done zero maintenance etc. I can evidence the payments for the house every month to his bank account. This puts me in a difficult postion, proving the verbal agreement, losing considerable equity in the property and also means I have lost 12 years I thought i was on the property ladder and of course potentially homeless. I could really do with some advice on my legal position here. Please no comments on how I should have got something in writing, i didnt think my own father would do this. I was thinking along the lines of "implied trust' - that we must have had an agreement for me to pay for the home, or else why would you have paid for all the the repairs, improvemensts and monthly payments etc. Also, can I withdraw implied right of access to the deed title holder? Thanks
  10. jsa986
    Thanks for input everyone will let you all know the result
  11. jsa986
    @Bob It was an ebay auction private yes. I understand your stance on this, here is where I am and why im pursuing this, It might not go my way in court but im going to give it a bash. (and our debate is all good practice for the court room) 1. A clear offer and acceptance was communicated by the terms of the auction and the wording forming our contract, specifically "Excellent Condition" & "Custom Paint". Contrary to this Vehicle was not even road worthy and broke down 1 day later. As vehicle is not as described in auction I consider that the contract at an end. 2. This was an auction not a classified add, I was in legally binding contract to pay for the purchase as bidders and sellers signal their assent to eBay's umbrella terms of business when they participate in the site's activities. When a buyer places a successful bid on an item, the two parties will have entered into a legally binding contract. 3. When I made contact with seller when the bike broke down, I was then told the bike had to be recovered to his address as a non runner. This as not mentioned in the advert or when purchasing and shows he had knowledge of the problem before he sold it 4. My decision to enter into contract to purchase this vehicle was influenced by the wording in the auction: "Excellent condition" (which it is not) and the fact it had a custom paint job which it also did not have" The maximum bid amount would shave been significantly lower if i had been given correct information Trading standards on private sales: "Whether you bought privately or from a motor trader, you are entitled to expect that the bike is roadworthy when bought, unless you and the seller clearly agree it is to be sold as scrap. "
  12. jsa986
    The bike has an MOT but could not be verified at the time of test ride due to no paper cert, eventually it was found online. In the mean time I had to make a decision to purchase or not. It's become evident that was the wrong one which is why in down this road now.
  13. jsa986
    @ Bob You are completely wrong there, when selling a vehicle they must be as Described and not misleading. Also please read the question I'm asking about solicitors costs not an opinion on if I should bring a claim that is already in process. Also You are also assuming there was an opportunity to view. Please check on the law regarding private sales and descriptions before dispensing advice like that as it could mislead people.
  14. jsa986
    eBay have confirmed they will not help despite opening a case with them. The deal was done for the price I could not test drive the vehicle for any distance due to an absence of valid MOT. The total failure of the electrical charging system would not have been evident on any test drive due to the seller putting a new battery on it. The bike was working on charged battery, as the charging system was not working correctly, as soon as the batt went flat the, bike would not start. (seller had previous knowledge of the fault) The claim is mainly based on a misdescribed auction, this is valid for even private sales.
  15. jsa986
    Yes but as it was not paid through pay pal it was not eligible unfortunately. This really is a last ditch attempt as the seller wont reply or be reasonable

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