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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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      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.
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Arrow put Monument debt back on Experian **WON+COMPO**


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Hi, long time no post. asfaiwa my finances were now in a good place. I got a massive shock when I did a credit check on Experian two days ago to discover that a debt originally defaulted by Monument back in 2006 was now showing as a default to Arrow Global.

 

This case was dealt with by the court around 2006 who agreed a payment of £1 a month to Arrow Global who had purchased the debt from Monument, and I set up a standing order for £1 a month.

 

I was also paying £10 a month to Arrow Global for an RBS debt.

 

In July 2015 the £10 a month payments stopped as the RBS debt was paid off.

 

I can find no records of any £1 standing order payments to Arrow Global for the Monument debt since 2010 (as far back as my bank records go.)

 

In November 2015 standing order payments for £1 a month started to Capquest, who had apparently bought the debt from Arrow. The first one was £5, (coincidentally 5 months after July 2015 ie 5 x £1 payments), going down to £1 a month after that.

 

Arrow say they never stopped receiving £1 a month payment from me and that I had been paying by order book. I have no recollection of this at all and have no order book with them, nor any memory of cancelling the standing order to Arrow for £1 a month set up years ago, and no memory of setting up a payment with Capquest for £1 month in November 2015.

 

Arrow then informed me that when they sold the debt to Capquest, I defaulted, and the default date on my credit report dates back to November 2015, long after the original default date with Monument.

 

I didn't understand what was going on (I still don’t) and asked if there was any way the default could be removed. Their representative told me it was against the law for them to remove defaulted entries from CRAs.

 

But the default shouldn't be on there in the first place, should it?

 

It is my understanding that defaults should date only to the date of the default with the original creditor. Is this correct?

 

Now, thinking that the Monument debt had been well and truly dealt with I (mistakenly, shoot me now :doh: ) chucked out all my correspondence with Monument a few months ago during a filing session. Ditto Arrow Global and Capquest. (yes I'm an idiot. :crazy:)

 

I then rang Capquest who confirmed they started receiving £1 a month from me in November 2015. So why the default? Because, they said, I'd defaulted when they bought the debt from Arrow.

 

Taking them at their word I asked for them to suggest a settlement figure and they took a list of all my incomings and outgoings and said they'd pass on my details back to Arrow for them to see if my settlement figure was acceptable. I suggested £500 on a £2,300 original debt.

 

But once I got off the phone my husband said to me that something was fishy about all this, and that's when after discussing it we realised that the default shouldn't even be showing on my credit file.

 

Both Arrow Global and Capquest were insistent that I'd defaulted when the debt was transferred from Arrow to Capquest.

 

So what do I do?

 

This has caused me untold stress and completely ruined my otherwise squeaky clean credit record.

 

Gutted. :help:

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stop talking on the phone!!

you are being had blind

 

 

arrows are capquest, same group

 

 

get written proof of the defaulted date by the original creditor [which will now be Barclaycard?]

and demand arrows remove the default within 14 days else you'll raise a complaint with the ICo

  • Confused 1

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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Thanks for your considered reply dx100uk. Barclaycard do not own Monument as I understand it. Monument are now owned by Compucredit.

 

Is it likely that Compucredit have evidence of the original Monument default date? Does anyone have any experience of trying to get Monument default evidence from Compucredit?

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send an sar

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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probably the latter then

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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@dx100uk thank you for your help so far, I really appreciate it.

 

My husband just told me he kept all the folders for any unsettled debts. Just been up to the loft and I've got every communication from Monument right from when I first set up the account, and I have a copy of their default notice of 2005. :cheer2:

 

So do I now send a photocopy of the original default to Arrow, demanding that they remove the default notice on my credit report within 14 days or else I'll raise a complaint with the ICo? Is that correct?

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yep.

 

 

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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no and please don't use FMOTL sites they are rubbish

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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you don't need a flippin template 2 lines as i've already written

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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no and please don't use FMOTL sites they are rubbish

 

Thanks for the info. I'd never come across that site before, nor the concept of FMOTL before you mentioned it, the template letter looked useful that's all. Apologies if links to that site are not permitted on here.

 

you don't need a flippin template 2 lines as i've already written

 

OK.

 

Do you have a link to a template ICO threat letter I could use in that case?

 

And how likely is it that Arrow will remove the default or am I going to have a 6 month back and forth letter fight on my hands?

 

Do you have a link to a template ICO threat letter I could use in that case?
Tried to remove that from above post as you've already answered me but editing time has expired.
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no they have 14 days end of

else you'll raise a complaint with the information commission and also seek financial compensation

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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no they have 14 days end of

else you'll raise a complaint with the information commission and also seek financial compensation

 

Thanks for all your help dx. I'll get that in the post today and let you all know the outcome in due course.

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pointless really

it wil be removed by arrows

they legally have no choice

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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Ensure its removed from equifax and call credit as well

 

Probably being reported to all three

 

Check noddle uk and clearscore

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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pointless really

it wil be removed by arrows

they legally have no choice

 

Is it not true, though, that their conduct is often not governed by its legality?

 

I wanted it removed asap as it was in dispute rather than even having to wait 14 days for Arrow. Is that a waste of time?

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Ensure its removed from equifax and call credit as well

 

Probably being reported to all three

 

Check noddle uk and clearscore

 

Thanks theoldrouge. As soon as it's removed from Experian I'll check the others and noddle and clearscore. Great advice. You and dx are both being very helpful, I appreciate it, thank you both.

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The Credit Agencies can insert a Notice of Correction pending any investigation in the meantime

 

https://help.creditexpert.co.uk/help/sv635/report_guide/notice_of_correction#

 

I trust you are keeping well Joan.

 

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

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In the meantime, I have communicated directly with Arrow's CEO including copies of the original defaul notice and he has has responded assuring me has passed my information on to the relevant department to deal with. I've also sent a hard copy in the post.

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The Credit Agencies can insert a Notice of Correction pending any investigation in the meantime

 

https://help.creditexpert.co.uk/help/sv635/report_guide/notice_of_correction#

 

I trust you are keeping well Joan.

 

Regards

 

Andy

 

Hi Andyorch! So long no speak! My husband and I were both reminiscing about you when I was on here the other evening, wondering how you are. What a crazy adventure we had a few years ago and how unbelievably helpful you were! :)

 

It is fantastic to finally be free of being chased by DCAs, the relief is immeasurable. Without people like you we couldn't have done it and I will never, ever forget the time you devoted to me, patience you showed me and help you gave us both. :grouphug:

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Kind words indeed Joan...as you can see Im still here battling away and advising on this murky infested industry...It was a pleasure to advise you and always looked forward to your charming and positive responses.

 

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

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The Credit Agencies can insert a Notice of Correction pending any investigation in the meantime

 

https://help.creditexpert.co.uk/help/sv635/report_guide/notice_of_correction#

 

 

btw thanks for this link Andy, done.

 

 

Kind words indeed Joan...as you can see Im still here battling away and advising on this murky infested industry...It was a pleasure to advise you and always looked forward to your charming and positive responses.

 

Aw :) I wonder how many lives you and the rest of the Debt Trauma Surgery team have saved over the years? Countless I'm sure!

 

One question I want to ask without going too much OT, is what is the likelihood of fines being introduced for CCAs who illegally put defaults on CRA reports? I was wondering how many lives these companies ruin, seemingly without a trace of conscience? Marriages ruined, houses not purchased, jobs lost, relocations prevented. The damage is unquantifiable and they seemingly go completely unpunished!

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