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    • Well send off the letter of claim when you're ready. There's really no need to hang around. In terms of the particulars of claim – you don't need to send anything extra. Do not click any boxes.   I wasn't aware that you actually had to calculate the daily rate of interest. I'm giving a shout to my site team colleague @Andyorch
    • By the way, is there a telephone number for the mystery handset? Have you tried calling it?
    • Who made the complaint to the ICO? Did we recommend it? An uncharitable side of me wonders whether they aren't considering erasing all data in order to get rid of evidence of their bungling. Have you checked your credit file? I think you need to make sure the get copies of everything you can from anywhere just in case various records get cleaned up. I think should set about that straightaway although it's a nuisance. Keep a note of the time you spend doing it. Are you sure that the problems with Vodafone and also with Three were caused by your blighted credit file – blighted by virgin? Can we take it that your credit file before this was clear? I think it could be an idea to send an SAR to Vodafone and also to Three to see if they have any reference to the problem setting up your account with them and that those problems might have been caused by virgin. Your credit file also might show searches by Vodafone and also by Three. If there's anything else you can think of – then try to get the information.  
    • No they are not entitled to see payslips. Only if this ever went to Court and it was part of the Court process would this be required. So the information you provide needs to be accurate, in the remote possibility that your information is passed to a DCA who uses it in Court in the future.   Just enter all information onto your income/expenses sheet in Pounds Sterling.        
    • Hi, I am drafting the pro-rata letters and putting a income expenditure sheet together. One question, as I am overseas the expenditure currency is different to the debts. Are they entitled to see pay slips (also in anther currency which isnt indicated on the slips)?
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

GE Money Debenhams Store card debt - now drydens


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Sorry posted this on the wrong thread!! Apologies.

 

I've out it on the right thread now "debenhams GE money"

 

Thanks

 

Hi quick update

 

I was told by Santander in early May that the debt was being sold (see my earlier posts) to Arrow Global on 7th May.

 

I was paying Scotcall online on time every month.

 

Its now 16th May, I have heard nothing from Arrow Global or anybody, I held on making payment this month to Scotcall (since it has been sold) and thought I'd pay the new owners.

 

In the meantime on good advice of this forum, I've sent Santander a Subject access requestletter and asked CallCredit for a copy of my credit report.

 

So I'm still waiting this long, wondering in my head what's arrow global doing? my debt is about 10K and worrying already that i'm going to get taken to court (even though i've been making regular payments) and be bled dry of any disposable cash.

 

Miserable!

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you are being cash cowed blind

 

STOP PAYING

 

what does your CRA file say about this debt.

 

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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hi dx,

 

thanks for that

 

Just waiting on my credit report from callcredit. I've never actually seen it before. I sent off for it the other day.

 

I hate panic! I don't own a house or car, just rent.

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dx

 

Received my Credit Report at last.

 

The debt shows on there, under Santander (not Arrow Global) - and the balance is wrong it says 12K but last statement from Santander says its about 10K, showing the payments scotcall have passed to them.

 

Payment status says D D D D D D D, Default status, but I've been paying every month.

 

Date account updated shows as 02/05/2013

 

Then under account history

- It shows an entry for each month going backwards so May 2013, Apr 2013 etc with the same 12K current balance on each line going back to 2009. I know from my latest Santander statement (Dec 12) its less than that.

 

I'm currently waiting on the SRA back from Santander as advised, and still npthing from Arrow Global.

 

oh btw, this Credit Report was from CallCredit

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well that shows you can ignore arrows then atleast.

 

and snotcrawl

 

if you must pay its to the OWNER satan's bank.!

 

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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so satans bank are not updating the cra either

 

now, whats the defaulted date in the debt summary [not the update one]

 

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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The thing is, Santander say they've sold the debt, to Arrow.

 

And heard nothing from them as yet.

 

Still waiting on the SRA from Santander.

 

I have a photo of it if you need to, can I attach it doesn't seem so!

 

The defaulted date says 28/10/2009

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  • 11 months later...

Hello again everyone, its been since last year when Arrow took over this account, and i've been paying it.

 

I'm worried about these Statutory Demands which came in last year. I'm not a home owner. Do i have a reason to worry?

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Stat demands are the 1st step in the Bankruptcy Process the debt must be £750.00 + for a SD to be issued.

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Thanks Brigadier. This debt is 9k, being recovered by Scotcall, via arrow. I've had repeated posts in the past on this thread saying dont pay etc, I don't own property, are these new powers to use if I stopped paying?

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Statutory demands have been around for a long long time, they are nothing new.

 

You haven't received one have you?

 

What have you done about reclaiming any charges that might be on this account and the PPI, both of which have been mentioned previously in the thread?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

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6. Staying Calm About Debt

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7. Thinking of a Full & Final Settlement?

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Many thanks for that Brigadier.

 

No I haven't received one.

 

I'll be really honest here. When arrow got back to me and the pressure was off, I kind of just kept paying. And head back in the sand. I was really worried because somebody mailed me (a so called friend) saying about new leglislation came out last year these demands.

 

I'm going to go about and reclaim the charges very soon, changes in my life mean I have to pull my finger out, or head out of the sand, rather.

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I have to pull my finger out, or head out of the sand, rather.

 

Either of those tends to lead to the other happening as well.

 

You may be very surprised as to how much of a dent these reclaims will put in the overall debt.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 3 years later...

Hi Everyone.

 

First off I want to say thank you for the help you guys give me, its been really helpful in the past.

 

I've put my head in the sand again and its now fully out wanting to face this problem head on! PLEASE HELP!

 

I've received letters recently saying the debt that was originally Debenhams > GE Money > Santander > Scotcall > Arrow has now being appointed to drysdenfairfax solicitors

 

I still owe 9k. I lost my job 3 years ago, and i've become self employed, and only just started to get on my feet. I'll be really brutally honest, I stopped paying Scotch and moved

address. Not actually on purpose, it just sort of happened, life changed, and I just got on with it.

 

But i've realised this 9k isn't going to go away and I want to deal with it however possible. Without going into it, I was married once and it was in my name and my wife sort of just kept spending then left me! (with the debt) hence my reason for 'putting it off' I think. It was originally a 5k debenhams card which over time with interest became doubled and i've paid about 1500 off it (you'll be able to see the past dealings in this post)

 

The original debt was from 2002 I think but i've been making payments on it over the years on/off, and i've paid something to them in the last couple of years. I did actually once do a CCA request this was about 3 or 4 years ago and sure enough they dug it out (I've misplaced it since!)

 

I just got a letter this morning from dresdenfairfax solicitors to the effect of :-

 

Our client arrow global - original creditor santander

instructed by our client 'arrow' to commence legal proceedings in the county court if you don't provide proposal of repayment by 6 june

then ... its not too late to stop the claim being issued. contact us to discuss.

 

My questions are

 

1. Where do I start?

2. Should I just contact them and pay something every month to stop it going to court (I don't want it to go to court)

3. Should I respond or ignore?

 

Can anybody help ? I'm serious about tackling this debt now! as with all things they don't go away unless we deal with them!!

 

Much much appreciated, I'm losing sleep over this one! :(

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When was your last cash cow payment to scotcall fleecers

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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Well I'd have to check my bank statements but I'm thinking it was about two years ago. That's a guess. When I'm back at my computer I'll know for sure.

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well you've never sent arrows a CCA request

and

why oh why did you continue to pay snotcrawl after being told to stop !

it would be statute barred by now had you stopped

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 I didn't send arrow a CCA request to arrow, I did to the one previous as you'll see in the past posts.

 

I know that was really foolish now.

I can't recall :( I feel really stupid'.

 

 

After I stopped paying they actually turned up at my door one day I lived in a flat at the time, and a neighbour let them in and they were stood at my front my door.

 

 

I think that's why I probsbly why I didn't stop know I can't turn the clock back now :( That's a real shame.

 

What do you think I could do?

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snotcrawl are not bailiffs

as with any DCA they can be ignored

 

you should have told them to leave or you'd call the police.

 

send that CCA request to arrows.

 

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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I did feel intimated. I was 9 stone heavier and living on my nerves.

 

I wish I could turn back the clock grrr.

 

Thank you so much for your advice. Thank god for this forum and all you kind people.

 

Ok I'll do that.

 

The new firm drysdale fairfax said on their letter that arrow will start legal action if I don't send them repayment proposals before 2nd June should I just ignore that and wait to see what comes from the CCA?.

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no they didn't say will

go read it PROPERLY.

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've travelled home and got the letter (rather than try to recount it from memory). This is it word for word.

 

"We are instructed by our client Arrow Global limited to commence legal proceedings against you in the county court if you do not provide proposals for repayment of this debt by 6 June 2017"

 

Then goes onto say

 

"If we do not receive clear proposals to repay this debt by 6 June 2017 we will commence legal proceedings against you and a claim form will be issued for the full outstanding balance. "

 

Should I ignore and still send off the CCA?

 

Thanks again.

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better if you scan the letter to pdf please

follow the upload

 

 

send the CCa request

they are operating under 'instructions' from the client, we'll no

just the threat-o-gram pc can see the £££ signs here and has been configured to use the same printer as all the other letters about the debt and up the anti.

 

 

you indicate you had previously sent an SAR

have you still got that info?

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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