SG having had MANY dealings with AIC and seen them off i must admit i have never battled with Mr Dickey lol! i wonder if his first name is "Clever", oh wait how stupid of me, as if there would be a "Clever Dicky" working for a DCA PB68.

How about an award for the DCA which Employs the most Mr Whites, Mr Blacks, Mr greys and lets not forget their team leader(hence the double barrelled surname), Mr Pink Polka-dot PB68

Hi Folks, Atlast a response from Arrow, isn't it funny that they ignore what i send but adhere to the letter FOS sent them. " Dear Mr xxxxxx We thank you for your contact and note the content. We regret that you feel you have cause to complain. We will confirm the result of our investigation, in writing, as soon as possible and in any event within 8 weeks. This account is currently being operated on our behalf by Transcom Leeds. We will deal with this complaint only and all other enquiries should be directed to them. We confirm that all collection activity will be suspended until we have issued our final response. Sincerely Limpet on society." Personally i can't wait to see their final response! i am hoping it's something on the lines of " we have purchased a lemon"!. Furthermore i think i will refuse whatever they say in their response and inform FOS that their reply is not satisfactory. I have also had a discussion with the ICO and the fact that Newmans have shared my personal data with Arrow and have violated s10 of the data protection act, which they agreed with and have invited me to make a formal complaint via their complaints form on their website enclosing copies of all letters, however i have to send Arrow a notice informing them to cease processing my details first. PB68

Comical, regardless of whether they think they do not have to keep records of the account as its 12 years old, they are still stating that the account is "OPEN" so therefore they ARE required to keep paperwork, agreements ETC. It would be a different matter if they declared the account is "CLOSED" as they are only required to keep details for a six year period after the account has been declared "CLOSED". These Banks/DCA's do try it on!. Log a formal complaint with Consumer Direct and have it passed over to Trading Standards as i would imagine it violates CPUTR 2008 also. PB68.

Hi, Have a read through the following link, it explains in detail about Charging Orders ETC :- http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=15_charging_orders_in_the_county_court PB68.

I was in a similar situation with Barclays were they stated "they don't need the agreement and furthermore didn't have it". Trading Standards pulled them up over this as the card was taken out pre April 2007 and a " True Signed Copy" was required if they took me to court. Barclays backed down and wiped the debt out, although TS still passed ALL details through to the Home Authorities as a valid complaint. Regards PB68.

Hi, NO they can't and if they do report them to the ICO!. Regards PB68

Hi, Been through a similar scenario with my niece last year whereupon the Bailiff in question tried the same thing i.e making a Levy on a vehicle which is on HP!. I involved my M.P and sent all correspondence via him which resulted in the Bailiff Company in question backing down and re-imbursing my niece in full. These sharks are unbelievable. Let me quote from NationalDebt Line:- WHAT THINGS ARE BAILIFFS ALLOWED TO TAKE? There are some things that the bailiffs are not allowed to take at all, such as goods that are rented or hired. The regulations also say that the following items are exempt and cannot be taken: · The bailiffs can only take goods belonging to you if you are named on the liability order. This means that if the Council Tax debt is just in your name, the bailiff should not take goods which are owned jointly with someone else. If they want to take goods that belong to someone else (your children, partner, lodgers, etc.) explain that the goods do not belong to you. If you can, show a receipt or note as proof. The owner of the goods may have to provide a sworn statement in the form of a 'statutory declaration' to say this is the case. · INFORMATION they cannot take goods which are rented or hired. This includes goods on hire purchase agreements. A bailiff shouldn't take goods that are worth more than you actually owe. Personally i WOULD involve your M.P over this as he will/should forward all correspondence regarding yourself and the fact they should not have levied goods owned by a Finance Company anyway (HP). Simply find your M.P on the Net and send an email, also ensure that you mention that if need be you WILL involve the ACEA with regards to a formal complaint and possibly issue a Form 4. Best of luck PB68.

Hello all, I wonder why MBNA and their " collectors" are having a SERIOUS change of attitude here! could it be that they have been warned? If you haven't already read this have a read:- http://www.oft.gov.uk/news-and-updates/press/2010/136-10 Regards PB68

Yes 42, i agree, i am waiting with baited breath for an announcement from the OFT as i subscribe to their emails, for similar sanctions being imposed on Newman's as i mentioned Aktiv in my original email to the OFT and my situation is similar!. Anyway thought I would update the thread again, still heard nothing from either DCA, however it’s only what I’ve come to expect with this dispute and the severe lack of general education of these DCA’s. Today I was all set to write another couple of letters to each DCA in question, but then I thought no, why I should I waste my ink and paper to be ignored again! So I phoned FOS and spent 20 minutes on the phone discussing the predicament I am in and furthermore being totally ignored by these two companies. The bloke I spoke to was very informative as FOS normally are, asked me if I had their Consumer Credit License Numbers to which I replied “ Yes” thanks to the OFT. Newman’s:- 324024 Arrow Global:- 578436 NCO Europe (which is apparently owned by Arrow) :-407530 Anyway during the discussion he asked what I wanted as a resolution regarding this dispute?. To which I replied “Firstly I want a letter off Newman’s in response to my legal request for a “True Signed copy” of the Agreement (which I have paid for) or if they don’t have one, a letter stating this!.” Also an explanation of why they have violated the Data Protection Act by sharing my information with a company who has NO legal right to have it, as Arrow has stated in no uncertain terms they WILL ruin my Credit File if I don’t pay them.” Secondly,” I want a reply off Arrow Global stating what legal right they have to purchase a disputed debt and an explanation as to why they have been receiving payments from Newman’s since June 2010 but never sent a NOA until November 2010.” FOS noted all this info and informed me that they will write to them within the next 3-5 working days and as they normally say, if I am not happy with the response I get, fill in the complaint form with copies of all letters received and sent including copies of Proof Of Postage as they have 8 weeks to give a valid and acceptable explanation. To be honest I am loving this as I think I now have these two reprobate DCA’s by the short and curlies which they will know about soon enough and furthermore I haven’t involved Consumer Direct or TS yet, WHICH I WILL if need be!. I will update the thread when I have more info. Regards PB68. PS Merry Xmas to one and all and a very prosperous new year to all fellow caggers

Hello all, although this link covers many things it also takes into account TS & CPUTR 2008, and is worth reading!. http://www.oft.gov.uk/news-and-updates/press/2010/147-10 Regards PB68

Hi Folks, just a quick update here athough nothing of real importance, however, i thought i would update the thread! Heard nothing off either of the two DCA's involved after sending the last letter (42 man), although i have had a reply off the OFT with their usual attached Word file for a formal complaint for me to sign and send off to them giving them my consent. The complaint which i have signed refers to Newmans, Arrow Global and NCO Europe!. I am chomping at the bit here and to be honest fed up of waiting for the Postman to turn up as to see what their response is, however i will be sending a follow up letter soon and also informing them that as per my request last year i want the Agreement, bearing in mind "Signed" Agreement's are required prior to April 2007 to enforce an Agreement in a court of law!. If there are any caggers who are following this thread or similar, with valid complaints against these DCA's in question, may i ask that YOU send in your complaints too as we will get nowhere if there isn't an abundance of people complaining, it's all about numbers and quantity of complaints. Sticky here:- http://www.consumeractiongroup.co.uk/forum/showthread.php?195265-Complaining-to-the-OFT OFT Complaints Email Address:- [email protected] Will update the thread when i have more info. Regards PB68.

Hi Ruth, You may want to read the following link about MBNA which was released by the OFT today. http://www.oft.gov.uk/news-and-updates/press/2010/136-10 Regards PB68.

Agreed dadofholly & hs. The information i.e Link was provided so that people can read through what they are being advised to do via various threads CCA requests etc. jsa12 although i agree with some of what you have stated, i find your comments are ridiculous to say they are just "Guidelines"!. These so called Guidelines are there to assist both parties which are drawn up by the OFT, furthermore the guidelines are the basis of the advice given on this website and have assisted many people in disputing their debts.I am intrigued as to what you do if you don't follow the "Guidelines"? As in my opinion you think they are useless. Also the link you provided, i read it like many i read everyday, it's just stating the obvious!. PB68

Hello fellow caggers, Was browsing the web today looking for the duties of Creditors to send Debtors Statements of Accounts and came across this link on the OFT website. I am sure most of the experienced caggers will know most of this, however, some caggers may find it interesting reading and also may answer a few questions for them!. http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf Regards PB68.

Hi Ruth, I have found personally in the past that the CO-OP "Cashminder Account" is adequate, plus they give you a Visa Debit Card as opposed to a useless Electron card!. Regards PB68.

Hi Ruth, As the previous posters have stated, you have to be very careful when submitting I.E details!. If your clued up on this like certain Caggers are then fill the form in, however if not seek the advice of the C.A.B or National Debtline for assistance. Most Creditors/DCA's try and get debtors to fill in their own I.E form so that they can pull you up over certain things. Have a look at the I.E downloadable form on National Debtlines website. Regards PB68

If you think it's Statute Barred and you can prove it then inform them. they maybe Phishing, but only you can prove them wrong!. Regards PB68

Well it seems this person is intent on contacting you by phone, i wonder why?. Ensure you have everything in writing as they will obviously ply you with " smoke and mirrors" to ensure they get what they can. Inform them that you only deal via post in "writing" as to their possible resolutions, and over the phone is not acceptable!. Regards PB68.

Nothing surprises me at the level these Dca's will stoop too, unbelieveable! PB68

Hi guys, thanks for the info and apologies for not being online sooner!. I have compiled a detailed email to send to the OFT regarding this scenario, with copies of all letters as attachments, however, i have been trying to locate their " Dca complaints email address". Are they still using this specific email address or is it just Enquiries?. I am of the opinion that if Arrow have now bought the debt and have been receiving payments for a few months without informing me, surely they should have sent the NOA as soon as they accepted payments from Newmans?. Personally i think i have enough written proof here to kick up a stink, and being me and all the crap i have put up with from these DCA's it would be rude of me not to Regards PB68.

Hi guys, that's a fantastic letter 42 man, thank you very much for providing it. I will send that off today!. When i originally sent the CCA request off to Newman's ( which they ignored) i never followed up with the Account in Dispute letter and just continued paying them what they were getting each month, does this have any bearing on the situation?. Best regards & many thanks, PB68.

The most comical thing about this, is their letter is dated 5/11/2010 but i only received it today hmmmee are the postal service that bad?. Also they have provided a "PO Box" return address which i would assume that i do not have to send recorded delivery or signed for?. Think i may enjoy this battle Regards PB68.

Thanks guys for the replies. Yes the proper CCA request was sent and the £1 fee included, they just ignored it basically as it wasn't sent recorded, however they never pursued the ammended payment plan and have obviously soon after sold the debt, which speak volumes to me. Regards PB68

Hello all long time no speak! been a terrible year as we have lost four family members including a father and sister:(. Anyway getting to the point, i have an account with HSBC going back to the early 1990's which was passed to Newman & Co (they neglected to send me a NOA back then).I had been making payments to Newmans each and every month, however, they asked for a payment review back in April this year, so i sent them a letter asking to see the Agreement, to which i received no reply (letter wasn't sent recorded but i have proof of postage). Today i received a NOA from Arrow Global saying obviously that they own the debt and all future payments should be sent to them! and apparently they have been receiving payments on the account since 30th June via Newmans. I have done some research about this company of idiots and my question is, should i just send them a copy of the letter i sent Newmans for the copy of the agreement?. i really think they have bought a lemon here and if so tough duggy for them. Any comments welcomed. Regards PB68.