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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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Paying Largo/Robinson way /Arrow Global old citi loan debt


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Does anyone know if Largo and Robinson Way are linked at all?

 

I had a loan with Citi Fininacial, and Arrow Global purchased it in 2012.

 

 

They immediately assigned Largo to collect and I've been on a payment plan of £1 a month ever since.

 

I today received my annual statement from Arrow

however it states no payments have been made since May.

 

 

Payments have continued to be made via standing order,

however I have noted that since June amounts of £1 have been returned by a Robinson Way to my bank account.

 

Im not 100% sure it is the "Largo payments" being returned

 

 

however as I have a number of £1 standing orders that go out on the same day.

 

Does anyone know if these are linked,

 

 

or if not who Robinson Way are linked to,

 

 

as I pay 7 dca's monthly but none one of them is Robinson Way.

 

Thanks

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This is a quote from 2012.........

 

Robinson Way Limited has sold Chase Solutions, the field services division of the company, in a deal that protects the jobs of 20 employees.

 

Chase Solutions, which manages a nationwide field force of over 600 agents, has been acquired by Winterhill Largo plc, the asset valuation and recovery specialist and financial outsourcing group, for an undisclosed sum.

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which is now part of hoist portfolio holding 2 or HPH2

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I hope you've sent all the dca's you are paying a CCA request?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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oh and nothing to do with arrows

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I hope you've sent all the dca's you are paying a CCA request?

 

 

dx

 

Yeah, the ones I'm paying have all sent back signed credit agreements, however they have been getting paid for 2/3 years now, so may well be worth sending another batch of cca requests

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no real point as long as we checked them all

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Hi guys - quick update

 

I sent Largo a letter on 02/11 outlining the detail in my opening post and asking whats going on.

Never received a reply,

 

 

then sent a CCA request on 11/11 and again not received a reply to that either.

 

 

This makes me wonder if they/arrow still have the info, as the original debt is about 8 years old.

 

I'd appreciate some advice as not sure where to go next,

as its clear from my statement that Arrow Global have not received my payment for a number of months.

 

 

To be frank I have no clue what my balance should be as I've routed through my papwork and cannot find the original agreement.

 

 

I've made a number of varying payments over the lifeline of the debt depeding upon my circumstances at the time,

and have just completely lost track of the balance as its been chased by various people.

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what addrres for largo did you use?

 

 

and who do they state was their client?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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me thinks you should stop paying them

 

 

you've been had

 

 

and are being had blind.

 

 

they'll soon write

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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me thinks you should stop paying them

 

you've been had

 

and are being had blind.

 

they'll soon write

 

dx

 

They arent getting payment as such anymore as they are returning them.

 

Its not Largo that bother me that much,

just a bit worried Arrow Global might just issue on me or something out of the blue.

 

 

Not sure what they know of my dispute,

as all their statements etc just say to contact Largo with queries,

which I have tried to do but not got replies.

 

 

My thinking is that it may just appear to Arrow that payments simply stopped in May.

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good you should have done this YEARS ago.

 

 

arrows are their client

 

 

so send the CCA request to arrows.

 

 

remember

DONT sign anything

print your name on the CCA

leave the PO BLANK.

 

 

there are very very few CITI debts

where anyone can come up with a signed agreement

let alone the CORRECT T&C for when you took the card out.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Hi Guys - Quick update:

 

Sent the CCA request to Arrow and have had a response.

 

They have returned my £1 PO, along with a letter which at the top states

 

 

"Assigned by Phoenix Recoveries".

 

 

The letter states all collection activity is suspended,

and that they will process my request from the originating creditor.

(Not sure if they mean Phoenix or Citi).

 

Not sure if this is good or bad as my understanding was

that Arrow own the debt and have assigned it to Largo.

 

 

I' guess i'll have to wait and see what the paperwork throws up if i get any further response.

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That means they dont have the CCA, so instead of admitting it, theyll likely sell the debt on again. Either that or they have done their old trick of buying the debt and not getting the paperwork.

 

Just think of how many thousands of people they catch out that dont even know what a CCA is.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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if phoenix are involved that smells

they only ever deal in dodgy debts.

 

dca chasing a debt for another DCA sold to them from another DCA....urm..

 

 

and its a CITI debt

 

 

not a chance in hell they'll ever get the CCA

 

 

that's why they have sold it on and on

to bury the fact its CITI.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if phoenix are involved that smells

they only ever deal in dodgy debts.

 

dca chasing a debt for another DCA sold to them from another DCA....urm..

 

 

and its a CITI debt

 

 

not a chance in hell they'll ever get the CCA

 

 

that's why they have sold it on and on

to bury the fact its CITI.

 

 

dx

 

How do you mean dodgy dx?

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unenforceable, full of reclaimable charges, or likely they do not have the correct paperwork for it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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go read a few CITI threads

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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