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.

£19.99 + £1.50 (P&P)


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  1. #1

    Default Arrow/Drydens got CCJ on sainsbury's Credit Card 'debt'

    Hi everyone at CAGicon

    I received a claim formicon from Dryden’s Fairfax solicitors acting for a collection agency called arrow ltd

    the letter dated 10th October about a credit card I had with Sainsbury’s bank I took out in 1998,

    I took the claim form to the CAB on 4th November to help me,
    the CAB contacted the court and was told no judgement had been made yet by Dryden’s,

    CAB rang Dryden’s and spoke to them and told them I wanted to send the admission form and set up a monthly payment,
    but I said all correspondence must be done only by letter,

    the person who was speaking to CAB on the phone asked us to wait and she will speak to her supervisor,
    she came back on the phone and said they were pushing the CCJ through to which CAB was surprised,
    I received a CCJ a week later.

    I had been keeping up my payments with Sainsbury’s until I got into difficulties in 2008
    and asked to pay less and agreed a plan with them,

    I fell into more difficulties and asked to make a lower payment

    I was told by Sainsbury’s my debt was being passed to a debt collectionicon service,

    I protested at this because I said the debt was between me and Sainsbury’s to which I was told the interest would be frozen by using a debt agency.

    I cannot remember receiving a default letter at all, but I was moving around a lot,

    I set up payment plans with debt collection agencies when they had contacted me.

    I found out my debt had been sold on a couple of times,
    I made most of my payments by debit card,
    some payments were made at banks across the counter,
    two payments were missing on the statement I saw (because yet again my debt had been sold to another agency)
    I have one receipt I found.

    I stopped paying because I fell ill and was trying to claim benefits and
    the lovely pips (which I got a year later), I do think I paid PPIicon in the early part off having a credit card with Sainsbury’s.

    Any advice would be much welcomed please.


  2. #2

    Default Re: Arrow global/Drydens a bit of help please

    so you got a CCJ by default because you did not defend it.?

    bad advice from CAB there if its true.

    when did you get the judgement through then?

    if the claimformicon was dated 4th Nov.

    I doubt it been adjudged yet [33 days]

    dx

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  3. #3

    Default Re: Arrow global/Drydens a bit of help please

    ah sorry 10th October claimformicon
    and you admitted the debt
    so you would have gotten an automatic CCJ

    so what is you issue now please?

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  4. #4

    Default

    Quote Originally Posted by dx100uk View Post
    ah sorry 10th October claimformicon
    and you admitted the debt
    so you would have gotten an automatic CCJ

    so what is you issue now please?
    Hi there so so sorry I for got to put a bullet point,

    If I was to fill a SARicon out who do I send it to,

    Sainsbury's bank or drydens fairfax or arrow.

    Would a sar be the right form to start with.

    Yes i do owe the money, but Considering I kept up payments since 1998 till 2008
    I explained to Sainsbury's my dad died in 2007 and left a boat for me to look after which was his home,
    so I had a mortgageicon and moorings and the credit crunch to compete with,
    I expected to be treated better.


  5. #5

    Default Re: Arrow global/Drydens a bit of help please

    SARicon would goto sainbury's
    however that'll only be useful if theres stuff to reclaim
    like penalty charges and/or PPIicon?

    not sure if theres anything you can do about the CCJ mind.

    you admitted the debt.

    its typical that if the OC sold a debt on
    theres stuff to reclaim
    or theres dodgy or no paperwork flying around

    but now the CCJ is in-place that trumps any paperwork issue

    dx

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    DX
    RIP Martin3030

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  6. #6

    Default Re: Arrow global/Drydens a bit of help please

    hi
    dx100uk many thanks for your advice, so sorry for taking so long to get back, you said about CAB being bad advice from CAB (bad advice from CAB there if its true) what did you mean by that, I thought it was a good place for advice.


  7. #7

    Default Re: Arrow global/Drydens got CCJ on sainsbury's Credit Card 'debt'

    cab should have advised defending the claim regardless


    never mind.


    dx

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  8. #8

    Default Re: Arrow global/Drydens got CCJ on sainsbury's Credit Card 'debt'

    hi dx
    that's what i thought, why i put the post up just show what i did, i only mainly wanted to have a witness as well making the call and relay a message to use letter only . dx the help you and rest of your friends do, Is unbelievable and i cannot ever thank you enough, (to me you are the jedis have a good crimbo and new year.


  9. #9

    Default need a bit of help

    Hi there
    i have had a credit card with sainsburys since 1999, kept up a good payment record for many years till 2008 when i fell into debt through ill health and my dad passing away and leaving no will and i ended up trying to sell his boat and keep a mortage going,

    I agreed with Sainsburys to reduce my payments and then Sainsburys passed my debt to a few credit agencys and i kept payments up till Drydens Fairfax solicitors took over the debt and issued a CCJ.

    who do i issue a SARS too to find out about my credit card and payments i had made to and any information ie;credit agreements, payments etc.
    many thanks leon


  10. #10
    Site Team The Consumer Action Group BankFodder's Avatar



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    Default Re: need a bit of help

    Do you have any written evidence of the agreement that you made with Sainsbury's. How long did you keep paying the instalments to Dryden's?

    You say that they issued a CCJ. They send your claim formicon? Did you defend? Did you know about the case? Has there been any attempt to make any enforcement?

    Also, you've given us actually no details of the value of this judgement against you

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  11. #11

    Default Re: Arrow global/Drydens got CCJ on sainsbury's Credit Card 'debt'

    Old and new threads merged
    Please keep to one thread

    SARicon goes to the original creditor

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    DX
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  12. #12

    Default Re: need a bit of help

    Hi there bank fodder

    it was 1998 i took the card out,

    I don't have a written agreement with sainsburys or ever having one with them,

    my debt 4,308.75 was sent to Arrow Global Limited from Wescot Credit Services who i was paying monthly installments to,


    Arrow Global Limited wanted me to set up a payment plan with them,

    I did explain by phone i have no money at all as i had put a claim in for ESA and PIPS and i had no income,

    Arrow Global Limited sent my file to Drydensfairfax sent me 2 letters asking me to contact to sort out a payment plan ,

    I got a county courticon letter from Drydens with a income defend form etc,

    I took the forms to the CAB and they contacted them and explained my problem they wanted to speak to me on the phone and i pointed out i would rather do it by letter,

    we heard the gentleman say he will carry on with the CCJ and the line went dead.

    With their costs on top it comes to 4,495.75 no enforcement has been made yet.


  13. #13

    Default Re: Arrow global/Drydens got CCJ on sainsbury's Credit Card 'debt'

    so get that SARicon running!

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    DX
    RIP Martin3030

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  14. #14

    Default Re: Arrow global/Drydens got CCJ on sainsbury's Credit Card 'debt'

    thankyou i will get the SARS of to them.


  15. #15

    Default

    hi again

    i issued a SARS to sainsburys credit card and got it back,

    i went through all the statements and have paid just over 9000 in interest and late payments and over credit limit on 4200,

    of the late payments 18 of them are 25 charge
    then they were dropped to 12,

    would i be able to claim them back against the outstanding debt,

    which means the figure they took me to court and got a ccj for is not the true figure,
    I have a photocopy they sent me showing the the applacation form i filled out in 1999.

    On the credit agreement they sent it shows they charge 12 for late/over credit one late payment fee put me over the credit limit so got charged another 25.

    And above all guys you have educated me and your site has given me lots of help through some very dark times in my head...


  16. #16

    Default Re: Arrow global/Drydens got CCJ on sainsbury's Credit Card 'debt'

    This second spreadsheet is a compound interest calculator and can be used both for PPIicon claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that fos will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitution is claimed.

    CISheet v101.xls

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    DX
    RIP Martin3030

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  17. #17

    Default Re: Arrow global/Drydens got CCJ on sainsbury's Credit Card 'debt'

    thank you so much, i did a PPIicon claim and got back 3757.91p back this week,but after getting the my file and all my statements and write down every thing....


  18. #18

    Default Re: Arrow/Drydens got CCJ on sainsbury's Credit Card 'debt'

    Hi
    I'am working out the fees that sainsburys credit card charges, what charges would i be requesting for ; I have 53x1.50 + 8x3.00 cash handling charges
    40x12.00 + 18.00x25.00 late payment/over credit limit fees and a few other amounts that vary......


  19. #19

    Default Re: Arrow/Drydens got CCJ on sainsbury's Credit Card 'debt'

    cash handling charges not recoverable, only default charges/over limit charges etc

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  20. #20

    Default

    thank you cogger....

    i have been trying to find the letter template to send to my credit card for unfair charges, is there any chance youcould put a link to it please..


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