Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

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Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
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    Question iDem Servicing/lombard loan

    Hi All,

    I've been paying Arden Credit Management for a few months now (after Moorcroft passed the debt on to them).

    This was in relation to a Lombard Direct loan.

    I've not been missing payments, but I get a letter every month, stating:

    "We wrote to you recently to advise that payments are not being received in line with our request for you to commence repayment of the remaining balance. We now require payment from you."

    I've paid by the due date and every time, I've requested the authorisation number for the payment.

    I've seen in another thread that Lombard have ceased giving out loans. They do, however, send me a statement once a year and notified me in writing that Arden were taking over the administration of my account.

    I am currently paying them £15 per month, although I'm on JSA. I'm going to phone them - I know everyone says don't, but I'm confident enough to do so - and inform them that the account is up-to-date and they should stop wasting their time, as I have proof of all payments.

    I will then offer them a new repayment planicon of £5 a month. If they refuse, this will be reduced to £2 a month and then put in writing. If they don't want to accept it, that's their tough luck.

    My question, however, is this:

    If Lombard have ceased trading (as stated by Cerberusalert in another thread) then presumably the debt has been bought by Arden.

    Is it worthwhile me sending a CCA Requesticon if they refuse my payment offers?

    I'm not trying to avoid paying, just trying to fight incompetent bullies, using their own tactics - I want to legitimately clear any debt owed, but I cannot afford to do it on their terms.

    If the worst comes to the worst, I own no property, have no appreciable assets, no savings and my only income is JSA, so if they wanted to take me to court, my response would be, "Go on, then."

    I have nothing to lose, but would a CCA Requesticon be a waste of time and what little money I do have?

    Any advice gratefully received.

    Thanks

    Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
    However, I can and will help with matters regarding payroll as I am fully qualified.

    If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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  2. #2
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    Halibutt's Avatar



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    Default Re: Arden Credit Management

    Just phoned them and offered £5 per month, quoting their advice in their letter(s) saying to seek financial advice if my circumstances mean I'm unable to meet payment levels...

    ME: "Why have I been getting these letters?"
    MUPPET: "I really don't know sir, it seems to be automated."
    ME: "I've read your notice on your letter and have sought advice regarding repayments. I can set up a standing order for £5 per month."
    MUPPET: "That wouldn't be acceptable sir."
    ME: "I'm on JSA, have taken advice and been told that's the most I should be offering."
    MUPPET: "You MUST send an I & E sheet or we'll be unable to proceed."
    ME: "I'm not obliged to do that."
    MUPPET: "It's a requirement sir, without that, we cannot process your account."
    ME: "Yes you can, and I'm not obliged to send one."
    MUPPET: "I'm sorry, we can't."
    ME: "In that case, I'll put an offer to you in writing then."
    MUPPET: "That would make no difference, you need to send an I & E sheet."
    ME: "In that case, I'll start by sending you a CCA Requesticon."
    MUPPET: "Okay sir, goodbye."

    Hmmm... Very helpful....

    CCA Requesticon tomorrow morning then!

    Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
    However, I can and will help with matters regarding payroll as I am fully qualified.

    If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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  3. #3
    Cartaphilus
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    Default

    Quote Originally Posted by Halibutt View Post
    Just phoned them and offered £5 per month, quoting their advice in their letter(s) saying to seek financial advice if my circumstances mean I'm unable to meet payment levels...

    ME: "Why have I been getting these letters?"
    MUPPET: "I really don't know sir, it seems to be automated."
    ME: "I've read your notice on your letter and have sought advice regarding repayments. I can set up a standing order for £5 per month."
    MUPPET: "That wouldn't be acceptable sir."
    ME: "I'm on JSA, have taken advice and been told that's the most I should be offering."
    MUPPET: "You MUST send an I & E sheet or we'll be unable to proceed."
    ME: "I'm not obliged to do that."
    MUPPET: "It's a requirement sir, without that, we cannot process your account."
    ME: "Yes you can, and I'm not obliged to send one."
    MUPPET: "I'm sorry, we can't."
    ME: "In that case, I'll put an offer to you in writing then."
    MUPPET: "That would make no difference, you need to send an I & E sheet."
    ME: "In that case, I'll start by sending you a CCA Requesticon."
    MUPPET: "Okay sir, goodbye."

    Hmmm... Very helpful....

    CCA Requesticon tomorrow morning then!
    Sounds like you had a very interesting conversation with their coffee machine.


  4. #4
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    Default Re: Arden Credit Management

    I doubt they'd even be able to make a decent cup of coffee mate!

    The trouble is that with these DCAs, if they actually listened to their "clients" instead of reading from a looped script, then they'd get much further. I want to pay off the debt, but they need to realise that I can't afford what they're asking if I simply haven't got it! Surely even the dimmest of DCAs must realise that £5 a month is better than nothing???

    Maybe one day, there'll be a reasonable DCAicon - if that happens, then all others would go out of business.

    Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
    However, I can and will help with matters regarding payroll as I am fully qualified.

    If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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  5. #5
    Cartaphilus
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    Default Re: Arden Credit Management

    Maybe one day, there'll be a reasonable DCAicon - if that happens, then all others would go out of business.
    Unlikely to happen. It's the nature of this business. It hasn't changed in centuries ie you owe money, this is how you are treated. Morality has no place here, conscience certainly hasn't a place in what many have witnessed before now. Compassion? Forget it.

    Sounds like you had a very interesting conversation with their coffee machine.
    If you know any Douglas Adams books, you'll appreciate my comment more ref 'coffee machines'. They were just as annoying, just as automatic.

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  6. #6
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    Question Halibutt Vs. Arden Credit Management/lombard direct - Advice Please!

    Hi All,

    Arden Credit Management have been demanding unrealistic repayment amounts. I don't dispute that I owe the amount that they're claiming on behalf of Lombard Direct, but I do dispute the amount they say I should be paying.

    Their staff have been obtuse and unhelpful, so I've adapted a letter by Harassed Senior and come up with the following:

    Arden Credit Management
    PO Box 15276
    Solihull
    B91 9PN
    4th November 2010
    By Royal Mail Recorded Delivery
    Dear Sir/Madam,
    Account Ref: xxxxxxxxxx

    With regards to my current “repayment arrangement” with you, I am in a position to be able to offer you no more than £5 per calendar month.

    I own no property, have no savings or appreciable assets and rely on Job Seekers’ Allowance as my sole source of income.
    I quote the Department of Work & Pensions, who state:
    “You will be paid the sum of £65 per week, which is the legal minimum on which the Government believes you need to live on.”
    During telephone callsicon, your staff have asserted that I am obliged to provide you with a personal statement of income/expenditure in order to put a repayment planicon into place. This is, of course, incorrect.

    I have been advised that this 'personal' information is just that - personal.

    However, following the insistence of your staff and their claims that an income/expenditure statement is a requirement regarding this matter, I have obtained a Court orientated Income and Expenditure Form, to which, I understand, only a Court and/or Judge can legally have access, and filled in the details required therein.

    Following the revelations about my financial status that completing this form brought to light, I would like to thank you and your staff for pointing me in the right direction regarding my legal rights.

    From this information it is obvious that I currently have no disposable income.

    It has been suggested that, following discovery of this situation, a county court Judge would, in all probability, order that I can afford no more that £1 per month to each and all creditors, which of course includes you.
    Therefore, I would formally request that you supply me with the relevant information/documents necessary for me to set up a standing order to continue paying instalments towards the amount owing on the above account.
    Please note that I have no intention of avoiding any legally claimed repayments on the above account, but I firmly believe that my offer of repayment is just and fair, considering my current circumstances. Should these circumstances change, I will, of course, notify you as soon as possible to arrange repayment at a higher monthly amount.
    Yours faithfully,
    Halibutt
    Many thanks to Harassed Senior. Does anyone have any suggestions as to what I should take out of the above or maybe add? Is this a good template for the unemployed to use when bullied by DCAs?
    Thanks in advance for any input.
    H. x




    Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
    However, I can and will help with matters regarding payroll as I am fully qualified.

    If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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  7. #7

    Default Re: Halibutt Vs. Arden Credit Management - Advice Please!

    you say you dont dispute the debt, but have you checked that this lot have the right to collect? ALSO in your circumstances i would offer them £1 a week, cause good chance that is all a judge would make you pay

    PGH7447


    Getting There Slowly
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    Advice is given freely but is in no way meant to be taken as Gospel
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  8. #8
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    Default Re: Halibutt Vs. Arden Credit Management - Advice Please!

    Thanks PGH, but it's clear that Arden are acting on behalf of Lombard. Lombard have also kept to the letter of the law in as much as they've sent regular statements and notified in writing of who would be administering the account.

    I'm thinking that if they refuse the £5 a month (which I'm sure they will) then I'll offer them £1.

    I really don't care if they want to take me to court - I can't lose what I honestly don't have. In fact, in some ways, a CCJ would be doing me a favour... my credit rating will never be properly repaired, I'm never going to apply for credit again and have no way of getting a mortgageicon.

    Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
    However, I can and will help with matters regarding payroll as I am fully qualified.

    If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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  9. #9

    Default Re: Halibutt Vs. Arden Credit Management - Advice Please!

    your call, but I would make them prove they have the right to collect especially as they are being arsy with you

    PGH7447


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  10. #10
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    Default Re: Halibutt Vs. Arden Credit Management - Advice Please!

    Thanks for the suggestion PGH, but I'm absolutely sure that Lombard have all the correct paperwork and they've been very careful to supply a default notice (worded and dated correctly) an annual statement of account, including all payments made, etc. I'm pretty sure they have a valid CCA as well.

    But, on to the good newsicon... Arden have sent a very amicable letter, complying with all my requests and agreeing to a token payment of £1 per calendar month.

    My impression of them from the awful attitudes and ignorance of their call centre staff was that they were appalling, but at least in their written communications, they have actually proven to be quite considerate so far (maybe the way the letter was worded had something to do with it - thanks Harassed Senior!)

    They've also kept to my request for no further telephone contact - which is more than other DCAs have done!

    Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
    However, I can and will help with matters regarding payroll as I am fully qualified.

    If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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  11. #11
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    Default Re: Halibutt Vs. Arden Credit Management - Advice Please!

    The ongoing saga...

    I received the following from Arden, agreeing to accept £1 pcm. My offer was ongoing - not for just three months.

    I completed the standing order form and sent it to my bank, though with reservations as the info fields weren't completely clear. As a "belt and braces" precaution, I phoned Arden and explained that I wanted to pay £1 that day just in case there was anything wrong with the Standing order request. That was 17th November 2010. They happily took my £1 and said they'd be expecting regular payments on the 28th of each month as I'd stated.

    This was their letter:





    Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
    However, I can and will help with matters regarding payroll as I am fully qualified.

    If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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  12. #12
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    Default Re: Halibutt Vs. Arden Credit Management - Advice Please!

    As I'd feared, the bank returned my standing order form, saying that parts were not completely clear and could I clarify. I did this and sent the Standing Order back to the bank, who have now accepted it and said they'd commence payments from December. Glad I paid Arden in November by phone, or they might whinge that I hadn't kept to my agreement...

    Received this from Arden:



    Muppets. They're wrong - payment plan was adherred to - paid 11 days early... You'd think they'd have the professionalism to correctly record all transactions. I've got the authorisation number for the payment too. They say they record calls, so come on Arden, have a listen back to what was said - full explanation there!

    Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
    However, I can and will help with matters regarding payroll as I am fully qualified.

    If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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  13. #13
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    Default Re: Halibutt Vs. Arden Credit Management - Advice Please!

    Today I received the following threat-o-gram:



    My reaction is simply to leave the standing order going and file the above under "ignore". I just wanted to check if anyone had any other thoughts on this please.

    I'm posting everything in this whole story, in the hope that it may benefit others in the future.

    My thanks as always.

    H. x

    Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
    However, I can and will help with matters regarding payroll as I am fully qualified.

    If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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  14. #14

    Default Re: Halibutt Vs. Arden Credit Management - Advice Please!

    Definitely ignore, 'could' be a 'cross-over' letter, but so long as you can prove regular payments they would have a tough time in front of a Judge.

    Best Wishes for Christmas HS

    Ps have sent a PM

    Every journey begins with a single step

    Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

    If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


    The only person entitled to your Personal Finance details is a Judge not a DCA

    Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

    Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.
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  15. #15
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    Default Re: Halibutt Vs. Arden Credit Management - Advice Please!

    Thanks HS. Pretty much as I thought. Not received PM yet, but I'll check later. Have a great Christmas!

    H. x

    Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
    However, I can and will help with matters regarding payroll as I am fully qualified.

    If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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  16. #16

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  17. #17
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    Default Re: Halibutt Vs. Arden Credit Management - Advice Please!

    Thanks Tingy.

    I think it was just computer generated as they had a good ten days between the last two letters.

    It was a nice feeling this morning when I opened the envelope and just thought, "Is that it?" Previously I'd have been really worried and assumed that I'd done something wrong. Since finding CAGicon, my attitude and knowledge have changed and I haven't had a bad night's sleep since.

    Thanks to all

    Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
    However, I can and will help with matters regarding payroll as I am fully qualified.

    If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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  19. #19

    Default Re: Halibutt Vs. Arden Credit Management - Advice Please!

    Hi Halibutt

    I think it's computer generated. I have numerous telephone callsicon (even letters) where they say 'you will receive threatogram xyz but please ignore it'.

    They don't like £1 p.m. so just press the nearest button.

    Thanks for your support at the start of my fight-back.

    love

    vic


  20. #20
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    Default Re: Halibutt Vs. Arden Credit Management - Advice Please!

    Thanks Vic. Your support is, in turn, also much appreciated. I know they don't like £1 a month, but they have no option. Might they take me to court? Go on then... see what happens. I have nothing for them to take!

    I'll update this thread as and when there's anything to report.

    Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
    However, I can and will help with matters regarding payroll as I am fully qualified.

    If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


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