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    • Please damp eyed for a reply later on. We will draft a letter to the hire purchase company and threatened legal action
    • Let's try again –   when did you first have sight of this policy containing this exclusion? **Enter date here** what is the value of the damage your caravan has sustained  **enter figure in pounds sterling here or approximate figure here**
    • ive had my report done...... So the summary say's that the car has not been adequately maintained according to manufacturer standards. It has no evidence of a cambelt which he said should be every 60 months. The car is a 2017. It only has 2 recorded services in its life. He said both front shocks are leaking, MOT failure. Rear shock has bump stop perished.  The front tyres are worn on the inner edges. He said there is a considerable gearbox oil leak which is noticeable.  He has said there is a cylinder 4 misfire which is evident and has resulted in engine management light on. Cannot be road tested due to the way it is running.  He said it has been caused by incorrect or lack of proper maintenance. So now what do i do?   
    • OK, what has happened is this. As a guestimate we have around 100 cases with this company at this car park ongoing on the forum.  All the Caggers have refused to pay and despite threats from MET that they will reroute a drone from Ukraine and make it fall on the Cagger's home, in the end nothing has happened. However, there is an important stage where they send a Letter of Claim which is formal notice of imminent court action.  At that point we advise to send MET a snotty letter showing the Cagger would be big trouble in court.  At that point MET back off. However, if you don't reply to the Letter of Claim MET assume you have moved and they can win the case by default -. which is why they issue court papers. The court papers are very clear that there is a deadline which you must defend by - or you lose by default. Very, very, very important - what is the date of the court order you have received?
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    • 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
    • Post in Some advice on buying a used car
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MBNA and Arrow LLC - Mistaken ID

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The other day I got a letter from an LLC company called Arrow Global LLC. The matter was with respect to an account number that was outstanding by £1636.76 with MBNA.


I have NEVER had an account with MBNA.


Ever. I phoned this Arrow Global group up, and was, to put it mildly, spoke to in a very rude manner and was told that court action and baliffs would be involved if i didn't suggest a repayment plan. This was even after I had suggested to them that it must have been mistaken identity etc....


I was told that anybody could plead mistaken identity, and that I should seek legal advice, like I have the time in my life to sort that out being in full time employment, and being a parent of multiple children.


I then decided to tackle MBNA. After phoning them up and going through the motions of entering the card number and my date of birth, it became rapidly clear that I was indeed innocent of all charges. The ACD then put me through to an MBNA assistant, who asked for my DOB and asked a security question and asked my address.


This certainly proved it was mistaken ID, but how the hell did this Arrow Global group get hold of my name and address!!!!!!!!!! I can only assume that, and this is an assumption, the actual owner of the debt had moved, and that Arrow had located someone with the same name in the same area, and I must've come up.


Feeling better that I didn't owe any money, and that it was mistaken ID, I phoned Arrow up again, and told them everything i had found out from MBNA. They told me to put it in writing to them.


I haven't done this yet, as it was Yesterday that all this happened, and today I've been in a customer meeting for my company with a client in Glasgow (I live in Rotherham). However, my wife called to tell me a letter had arrived from Arrow, basically threatening me again with court/baliffs and that I had 7 days to prove the debt wasn't mine. Surly a simple phone call to MBNA by Arrow would've sorted it I would have thought?


Has anybody had any run ins with these cowboys, and also what are my rights, if this does go much further, towards suing Arrow for harrasment.



RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won



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hello matt


do hope that is not your real name, if so get it amended pretty quick by clicking on the red triangle as we do have the credit card companies viewing these threads ;)


also welcome to cag


well it sounds like they have you mistaken certainly but to address it either call them as you are not their customer but really best to write them a short note advising them to confirm and provide you with their complaints proceedure and to take your complaint seriously that you are not the correct person being chased, and request how did they obtain your information by the way..


i also would ask you to check out this thread .........and click on the link


hello everyone pls take a look at the below thread very interesting!


Band together against them


have a sunny day laters angel




it could help in the long term for you too


im sure others will come along later to give any letters that may be apporpiate for you to perhaps amend or use for this type of situation


but above all dont lose faith and take a look around other threads too


good luck im subbed to this thread will look in later this eve for any more advice given to you


laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)


my new motto is,,,",Taking back control of your life and home - such peace is priceless"


This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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