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    • I think the existing system is that you declare the item and the value – and then they go on to sell you the insurance for it. It would be easy enough for them to make it clear that the insurance for glass objects related only to loss. They don't. In fact on our experience here, Hermes routinely tries to disclaim liability for insured items which are lost simply because they apparently prohibited. And of course, this is not a regulated insurance provided by a "firm". It's the courier's own little sideline. No doubt millions of items are successfully delivered every year. Millions of those are probably insured and the "premium" goes directly into the pocket of the courier has an additional little earner. I think that if they have accepted insurance for something that has been correctly declared, then they have effectively waived their rights to rely on the prohibited items list. 
    • Parents trying to put aside money for their children are in danger of seeing the value of their cash fall due to rising inflation.View the full article
    • That could be helpful – but I have to say that I would have been more comfortable getting an independent inspection first. Although it would be a very good idea to get the manufacturer installed at some point, it is highly likely that they will enter into an independent exchange of correspondence with Lord. You won't know what is being said or discussed and at the end of the day you can't be too certain where the interests of the manufacturer lay. If Lord are a frequent/regular customer of the manufacturer then the manufacturer may find that they have a bit of a dilemma because they won't want to lose a good business customer. I suppose that it is you who has put this enquiry in hand but I think that you have gotten ahead of yourself and it would be better to get at least one independent assessment first of all because then if you had decided to bring the manufacturer in, you would have a documented assessment to show to them and this would have put you in a stronger position. I'm afraid that by alerting the manufacturer before you are ready with all of your own authoritative assessments, you are ceding control. I hope it doesn't cause problems – but at the end of the day, all of these people are serving their own economic interests  
    • Insurance may be arranged to cover say fire, earthquake, theft, but not breakage when there is no other underlying cause for the loss.   So it is possible for Insurance to be valid with exclusions applying and for items to be excluded under Couriers t&c's.        
    • The first thing is that if you slow down a bit and read the Hermes stories on this forum, you would understand why you are completely wrong when you suggest that because the contract of carriage is between the sender and the courier, that you have no right to sue. You say that you are running your own business and so you have got things right, but if this has been your understanding while you have been running your own business – then Big Fail. On the other hand, I'm afraid that I disagree with the view of my site team colleague that you can sue the courier.   In most circumstances you certainly could – but this case, the items were made of glass. Glass is on the prohibited items list and they were broken. Often we find that couriers rely on the prohibited items list to disclaim liability even for glass items when they have been lost. In those cases, the fact that the item is made of glass is irrelevant and the courier is still liable. However, with the item is broken because it is glass – exactly the kind of risk which is foreseen in the prohibited items list – then I'm afraid that there is probably no claim. The courier service has made it clear that they won't be held liable for the consequences of the particular sensitivity of certain items – and the sender accepts that as part of the contract. What is interesting though is that you are suggesting that the item has been insured. Do you know this for a fact? I would venture to say that if the courier has accepted insurance money for an item which is on the prohibited items list, then I think that overrides the prohibited items list and on that basis I agree with my site team colleague that you can sue the courier. I'm afraid that your story is really not at all clear. I think we need to know the identity of the seller, the identity of the courier. Was insurance taken out? As the seller accessible in terms of knowing their name and address for the issue of a County Court claim? The value of the item is irrelevant and in fact if it is only £50 then I think that it is excellent that you are prepared to enforce your rights for such a small sum when many other people would simply write it off.   We can certainly help you but you need to answer my questions and set the story out in a proper chronological timeline and a bit less of the narrative please  
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Arrows/drydens PAPLOC - GE Money Debenhams Store card debt


jackjones
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And a CCA to Arrow!

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Dont think much about the tone of the letter, its not personal, they just want someone to fund this years Christmas party.

 

Santander were not the "original creditor" though, GE money were so good luck with them getting the CCA.

 

IF you get a claimform, we will help you deal with it, get those 2 letters sent then see what responses, if any, you get back.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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doesn't mater if they aren't.

 

the facts are theres a lot here that is in answered

 

the make up of the balance and the change from it being a only allowed spending 'in-house' with said group of companies and the fact it was changed to a general credit card.

 

there are rules and anomalies that surround such changes one that comes to mind is the M&S charge card that changed to a credit card they failed in their duties .

 

lots of threads here on that.

 

the sar here will be the teller of tale.

 

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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  • 4 years later...

A little bit of background. I've had this Debt a long time, it was a Debenhams/Santander storecard, was maxed to about 5K around 2001/2002 when I was married (in my name and she spent!) then she left 

with me and the debt (and lots of others).

 

Long story short, interest took it up to 12K, and I paid when I could and got it down to 9K. 

 

I've had phases where i've made payments and had phases

where i've totally ignored the letters as they've gone from one creditor to the other (and back again).

 

Over the last few years going back to 2009 when i've asked for help on here Ive had some good support.


(So its been 4 years since i've come on here to post anything). The last company to have it was ARROW GLOBAL and since 2018 its been going back and forth to DRYDENS.

Today I come for some advice. I've received a letter from DRYDENS FAIRFAX SOLICITORS and its similar to a letter i've had in the past

Its a letter saying they've took over the balance and that i've no repayment arrangement in place. It also says 'our client may also be willing to consider an offer of a significantly reduced amount to settle your account'

The bit thats unnerved me that i've never seen before in past letters is 'if we do not hear from you by 11th June we will issue you with a Letter of Claim on behalf of our client and full balance will remain due'

Do I need to be worried? 

Hope you can help. Thank you so very much.
Jack Jones

 

 

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When did you last pay anything?

 

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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Looks like I paid in December 2017, after getting in a bit of a tizz. I'd paid 6 payments of £80 from July to Dec.

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3rd time you were told to stop payments and you didnt.

 

until or unless you get a letter of claim with a reply pack you ignore everyone..they are all part of the arrows group.

 

as long as you haven't now moved since the last time you wrote to them...cca request?? Or sar??

 

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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Thanks for your help. Yes, you're right. totally messed up there, panic got hold of me :(

Okay I will ignore until anything arrives. Does the letter of claim come from the court?

Yes I did actually move in 2018, after I made the last payment in Dec 17. But their mail has still found me, however i've not replied.

I did send a CCA request to some company not sure who as it was way back might even be around 2013 if I had to guess. Can't recall if I did a SAR either. I think I totally put all this out of my mind!
 

Update - I've just checked through some old papers and I did send a CCA request but it was 2009 and they came back with a photocopy of the agreement from 2001 (it was with GE money at the time). I dont think I sent off for a SAR.

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Send arrows a new cca request

you must always update debt owners of a move

 

Letter of claim will come from drydens...

 

Comeback here with the full cca return to pdf if one ever comes

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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Thank you, much appreciated.

With the CCA, is it best to post a letter or send email?  either way I'll get on it right now. 

Should I just put my new address in the letterhead or state 'this is my new address' ?

If I get anything back i'll be back here asap. 


 

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just send a new CCA request, how can you use email when you have to send a £1PO and you NEVER give a fleecing dca a free way to harrass you...

 

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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OK I sent CCA request on Monday 7/6 recorded delivery with a postal order uncrossed with £1 stating on the back that it didn't go towards any alleged debt.

 

Wednesday 9/6, received the postal order back from Arrow with a cover letter saying they no longer charge a fee and 'we will respond as soon as we can'

 

Then on Friday 11/6 morning a letter dated the 10th (they said if we didn't hear back from you by the 11th) I got a letter of claim from Drydens saying 'if you do not provide proposals to repay, legal action may be issued in the county court'.  Along with 'you have 30 days to respond'. Attached is a printout of an income and expenditure sheet.

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Click letter of claim follow post 2

But you obv dont issue a new cca

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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Thank you dx. Understood not to send for another CCA.
I've had a read through note #2, my first time seeing anything like this. Thank you for bearing with my questions!

When ticking box D, "I dispute this debt because"..recommended reason as advised from your thread, what reason should I use?
(The truth is I do owe some money from way back, it was originally 5K, interest saw it go up to 11K (so unfair), and I paid 2K get it down to £9k (as currently owed)) in my eyes, I only owe £3K.  Id rather not pay anything as my ex-wife (who wasn't in her name) spent it!

When ticking box I, "I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]" who is this, would this be Arrow?

When I've filled in the PAP reply form, i'll send it off first thing Monday morning.  What happens then, I just wait, what happens if it goes past 12 days with the CCA, or 30 days with these documents?

Many thanks
 

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  • dx100uk changed the title to Arrows/drydens PAPLOC - GE Money Debenhams Store card debt

well ......

1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.

 

2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.

 

3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.

 

  

On 01/05/2013 at 15:18, ken100464 said:

Have read your thread again in total.

 

Your default notice states your Debenhams Gold Dual Card.

 

Our Debenhams Dual Card was one of these uprated storecards. Your CCA is for a storecard same as ours but Santander v Mayhew goes to show that they needed to get you to sign a new agreement when it was uprated. If you have a SAR which you were off to get back in 2009 then you should see the uprating in the coms log if it happened.

 

Might not be the case for you but I would be suspicious of what its saying your card was on that Default notice.

^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page

 

as for the PAPLOC reply,

 

D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.

 

i: delete [CC is attached to this reply form]" 

 

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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