Jump to content


  • Tweets

  • Posts

    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
    • Hi DX - quick question, what is the bank likely to do when they get my letter of change of address ? also what is the worst they can do? thanks J1L
  • 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

Restons Solicitors and Arrow Global threatening CCJ old egg debt


chris_m_
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2676 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 all.

 

I have debts that are approaching 6 years old (next March - 2016), from credit cards.

 

 

I defaulted during the crash as I was made redundant and career effectively ended.

 

 

I went into default immediately

 

 

after a period of hassling from creditors I moved house a couple of times (to chase work) and the hassling died down to a trickle.

 

Now suddenly I have a letter threatening CCJ if I don't pay the full amount (near 10k) in two weeks.

It looks serious to me too; I've not had a letter like this before.

 

What can I do?

I've put a little money aside (around £3k) which I could try to use to keep them off my back,

but that would then acknowledge the debt

and I'm so close to the 6 year statute bar.

And would this satisfy them or just give them the taste of blood?

 

If I send a CCA letter will this put the CCJ action on hold?

 

Any help gratefully accepted.

 

chris

Link to post
Share on other sites

Hi chris_m_and Welcome to CAG

 

I have moved your thread to a more appropriate forum for the best response.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hello all.

 

I have debts that are approaching 6 years old (next March - 2016), from credit cards. I defaulted during the crash as I was made redundant and career effectively ended. I went into default immediately and after a period of hassling from creditors I moved house a couple of times (to chase work) and the hassling died down to a trickle.

 

Now suddenly I have a letter threatening CCJ if I don't pay the full amount (near 10k) in two weeks. It looks serious to me too; I've not had a letter like this before.

 

What can I do? I've put a little money aside (around £3k) which I could try to use to keep them off my back, but that would then acknowledge the debt and I'm so close to the 6 year statute bar. And would this satisfy them or just give them the taste of blood?

 

If I send a CCA letter will this put the CCJ action on hold?

 

Any help gratefully accepted.

 

chris

 

send a CCA request and report back here their response, they have 12 + 2 days to produce or they cannot proceed without satisfying your request, initially that is a start, best to list all details regarding this account i.e. taken out . when, last payment, default date, etc etc without giving personal info on here i.e reference numbers.

:mad2::-x:jaw::sad:
Link to post
Share on other sites

I have debts that are approaching 6 years old

 

How close is close chris ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thanks for all the quick replies!

 

Close is about March next year.

 

Given that they have 14 days to respond to the CCA,

and they've already said they will proceed with CCJ in 14 days,

 

 

can they do both simultaneously

. ie hit me with both letters in the post at the same time?

 

 

If they do that I would have lost my opportunity to negotiate a reduced payment, yes?

 

Thanks

Link to post
Share on other sites

Send your section 77/78 request ...pronto.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

OK Thanks. And this should go to Arrow Global right, rather than Restons?

 

Yes

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Restons they are the solicitors, they then know what is going on, they are agents of Arrow so will pass on request to necessary O.C. send Recorded delivery and make copy of receipt from Royal mail site and attach to your letter

:mad2::-x:jaw::sad:
Link to post
Share on other sites

Restons they are the solicitors, they then know what is going on, they are agents of Arrow so will pass on request to necessary O.C. send Recorded delivery and make copy of receipt from Royal mail site and attach to your letter

 

Not necessarily..This is Restons ..the request is not legally binding unless its sent to the creditor...you could drop them a line in response to their threatogram stating that you are currently waiting a response to your section 77/78 request......that will stall them if their intentions are true.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Legal Information

Arrow Global Limited

Registered Number: 5606545

VAT Number: 997 3442 67

Authorised and regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (as amended). Consumer Credit Act Licence Number: 0578436

Data Protection Act Notification Number: Z9260328

 

Arrow Global Accounts Management Limited*

Registered Number: 05478076

VAT Number: 997 3442 67

Data Protection Act Notification Number: Z9477941

 

Arrow Global Management Limited*

Registered Number: 07373491

VAT Number: 997 3442 67

Data Protection Act Notification Number: Z3628309

 

Arrow Global Receivables Management Limited*

Registered Number: 5875306

VAT Number: 997 3442 67

Data Protection Act Notification Number: Z9580720

 

Arrow Global Limited, Arrow Global Accounts Management Limited, Arrow Global Management Limited and Arrow Global Receivables Management Limited are registered in England and Wales.

 

Registered Office:

20-22 Bedford Row

London WC1R 4JS UK

 

Arrow Global Guernsey Limited*

Registered Number: 49547

Data Protection Act Notification Number: Z1552619

 

Arrow Global Guernsey Limited is registered in Guernsey.

Registered Office:

La Plaiderie House

La Plaiderie

St Peter Port

Guernsey GY1 1WG

 

* Accounts are administered through Capquest Debt Recovery Limited, which is authorised and regulated by Financial Conduct Authority to carry on regulated consumer credit activities under registration number 475757.

 

Capquest Debt Recovery Limited

Registered Office:

Belvedere

12 Booth Street

Manchester M2 4AW

Registered Number: 03772278

Data Protection Act Notification Number: Z7224604

:mad2::-x:jaw::sad:
Link to post
Share on other sites

But could they still start the ball rolling with the CCJ while obtaining the documents needed to satisfy my CCA request?

I'm concerned that I might lose the opportunity to negotiate a final payment.

 

I've actually just checked the letter (which I received yesterday) again and it only gives me until 4th December - 7 working days - to pay in full before they start CCJ action.

Link to post
Share on other sites

But could they still start the ball rolling with the CCJ while obtaining the documents needed to satisfy my CCA request?

I'm concerned that I might lose the opportunity to negotiate a final payment.

 

I've actually just checked the letter (which I received yesterday) again and it only gives me until 4th December - 7 working days - to pay in full before they start CCJ action.

 

Well that's the intention..... to play with your mind.....if they issue a claim just because you made a request for the agreement then it does not bode well for any prospective F&FS negotiations.....which you can still do even if they do submit a claim.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

But could they still start the ball rolling with the CCJ while obtaining the documents needed to satisfy my CCA request?

I'm concerned that I might lose the opportunity to negotiate a final payment.

 

I've actually just checked the letter (which I received yesterday) again and it only gives me until 4th December - 7 working days - to pay in full before they start CCJ action.

 

See Item 6 above:-

 

you could send copy of CCA1974 request to Restons for information purposes1 see if they continue to issue a N1 court case form, they all use scare tactics to see if you panick and pay up. read threads and you will see what happens oir get a good idea.

:mad2::-x:jaw::sad:
Link to post
Share on other sites

daverules - I would say before, but it might be tight. I don't have exact records, and I think I may have consolidated a couple of credit cards into a loan with the same company around that time. I was foolish in those days and didn't keep records.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...