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    • Post the NTK up here for the regulars to double-check. I highly doubt it's compliant with POFA though. Ignore the deforestation that comes unless it's ever a letter of claim. Any luck with the organ grinder?
    • Probably the case @lookinforinfo Also an update, I've got the registered keeper letter. Just to check that I continue to ignore it until PAP letter comes in?
    • Thanks very much Bank. I've now done a lot of reading and have drafted my Letter of Claim as attached. I look forward to your comments. 16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf
    • ive already CAREFULLY explained how it all works earlier. what you will have to pay is already preset and detailed on the court forms/TfL stuff you already have. you wont be asked any questions upon your financial means etc. thats not under debate . you wont be asked upon any mitigating circumstances, you have pleaded guity which you always SHOULD.  the ONLY 2 reasons you are attending is to: 1) after finding the TfL prosecutor... plead directly face to face before you go in to try and get an OOC (you can bring up or say anything/everything you like ...anything that might get them to agree) 2) if 1 fails...show your genuine remorse face to face to the magistrate, BRIEFLY mention how a criminal record would hinder your future then hope they take pity on you and dont also record this on your file.  PS its only declarable/shows there for one year anyway. regardless to what an employer might ask in job questionnaires past 1yrs you forget about it. they cannot see it even on enhanced DBS etc etc. you should not latterly ever appeal a criminal record for this type (1yrs)  of 'offence' its not worth it and if you lose said appeal it will cost your dear in terms of additional wages grabbing and court fees. and extends the time it shows if you lose too. dx  
    • hit letter of claim follow post 2 despite repeated requests, the claimant has failed to produce any enforceable paperwork.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

CitiFinancial Loan Assigned then Sold


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Hello EveryoneI

 

have been paying reduced monthly amounts on loan since 2007.

 

The loan does not feature on any CRA files.

 

I have received letter from Citi saying that:

loan will be transferred to Britannia recoveries s.a.r.l. acting in the name and on behalf of its compartment ;Atlas; (Britannica-Atlas)

and will be managed by Arrow Global Receiveables Management:

 

Any advice or information on these companies would be welcome. A quick yahoo search did not turn anything up!

 

Thankst

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  • 3 years later...

I have been paying monthly nominal sums direct to Citi for about eight years. This is for a loan account.

 

The account was assigned to Britannica Recoveries S.a.r.l. - Atlas ( described as B's "compartment") around 3 years ago.

 

About two years ago it was "purchased" by Arrow Global.

 

I got a SAR response from Citi 3 years ago. which provided details of all payments up to the date of the assignment, but no details of any balances not starting, running or nor ending.

 

My latest payment to Citi has been declined by Citi as my bank advises: "the beneficiary bank has advised that the account and sort code are incorrect" but I have used the same details for all payments for eight years.

 

I have only received statements after the first assignment for 2 years, one this last year and one 3 years ago, but I cannot check the starting and end balances for the reasons above.

 

Both Britannica and Arrow have the same identical address for their Data Protection Officer.

 

Should I send a SAR to both Britannica and Arrow? Or would Arrow have to supply all data since the first assignment?

 

Shouldn't I have received a more detailed statement, and also details of when a DN was sent, if one was?

 

Should I just wait to see if any correspondence comes my way, and not worry about any payments?

Thanks. t

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pers I'd sit on your hands

 

 

if / when they demand payment

 

 

then cca time.

 

 

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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pers I'd sit on your hands

if / when they demand payment

then cca time.

dx

 

Thanks dx

Think I will do that.

I CCA'd Citi in 2012 and got a copy of the CA from them. Would it prudent to post it up here for comments please?

Thanks t

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Irrelevant really

The debt buyer must send it.

 

Tbh 99% of citi CCA.s are u/s

 

As they can never supply the correct t&c's

 

Most early citi agreements were shredded years ago

 

A read of a good few threads here

And in the financial legal forum

Orvthe dca successes forum

Will inform you better

 

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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Share on other sites

Irrelevant really

The debt buyer must send it.

 

Tbh 99% of citi CCA.s are u/s

 

As they can never supply the correct t&c's

 

Most early citi agreements were shredded years ago

 

A read of a good few threads here

And in the financial legal forum

Orvthe dca successes forum

Will inform you better

 

Dx

Thanks for that, i will take a look at some threads over the weekend. t

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