Jump to content


  • Tweets

  • Posts

    • Fkofilee, I'd appreciate if you can guide me through what to do.   The first step is to request 3 credit files? I need to request from eqafax? Appreciate your help to put a complaint through once i request all 3 credit files 
    • Lookinforinfo - many thanks for your very helpful posts and advice. You must have missed it but i already found the excel vs wilkinson document on another site so its printed off too. As dave has suggested i will email it to the court on Sunday afternoon   FTmdave - i cant thank you enough for what you have done, im very impressed with how professional it has been done and very factual. This is amazing indeed. i Will do as you suggest and send an email to the court on Sunday afternoon. I will pop over with a paper version for peace of mind. Is there anything i need to include for - 23.8 (exhibit 3)? When it comes to sending the WS to UKPC, is it only the WS i send or is it everything?    
    • I wonder if Government ministers were aware of there being issues with the Horizon system at the time prosecutions were taking place.   And senior Post Office Management are relying on Government not wanting there to be criminal investigations that go too far. As those Ministers may be dragged into it.  I find it difficult to believe that nobody in Government had knowledge at the time of remote access and poor robustness of Horizons accounts systems.    
    • I think the issue here is more taking it higher.  A credit reference agency has mixed up your details with another member of your family - Would you have guessed that I have had to deal with this for a couple of people in my family before?  They both ended with a payout of £250 each as a result of this. (Transunion) was the culprit  I can help you put together a complaint along with relevant forms if you like. But you need to get all 3 of your Credit Files and find out how deep it goes with the mixup. 
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • 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


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3129 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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

Link to post
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

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... 

Link to post
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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...