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    • thanks for the response   The items arrived totally damaged and our customer sent them back and we had to re make all of the items again. This cost was just over £7000. Yes we are on a creidt type account, I asked for the compensation on the problem delivery and they decided to lie and cheat and then close the complaint. we did take photos and so did my customer, DPD said they could not use them as it didnt show enough detail. this again is untrue.    The invoice we are with holding is £530  We had to remake all of the work as mentioned above.    I hope this helps a little more  
    • Hi I use Martin Lewis Credit club and if I click on the defaults they say ‘account settled’ and the dates range from December 17 to Feb 18 under each tab. It also states the name of the new debt owner now and says last updated.    Will that be the default  dates or will I find it elsewhere?         
    • Hi Andy, yes they did + another £600 for flush and repair! I was surprised that they just accepted the FOS terms without a whimper. Cheque received and cashed.     @dx100uk Agreed. I read people having similar issues with getting repairs from ASG, not sure if it was on here or another site but they seem to adopt the same line about it being the customers responsibility to keep their system fresh and clean. My system was powerflushed in 2016 and by 2018 it was similar to having 4 blocked arteries. I have my doubts as to whether it was done.
    • Hi there, so as I write this this has been going on since 2005, basically I got myself into debt when I was younger and couldn’t afford to pay it all back. Lloyds put everything together and it came out over £20,000 this Was passed onto Lloyds debt recovery team in 2005 but I was paying the debt off in small amounts I believe this debt was then passed onto a company called Robinson way in January 2006 where I was paying £130 a month this then changed to debt managers and then onto clarity Lloyds and arrow global have stated that I made no payments between 2005 and 2009 even though I have proof I paid Robinson way! This is where it’s gets complicated my dad was making the Payments from his account to Robinson way. The other issue I had was for from 2015 onwards I also had a problem with passing security and I believed my details were compromised with arrow global, who I found out they had the date of birth of myself the wrong month after contacting Lloyds they stated they had the right date of birth and had it right all the time. It turned out Lloyds were actually incorrect and didn’t have my right date of birth at all and an address I never lived at. So for the last 6 months I have been trying to get hold of Robinson way as they don’t have the correct details for me and I can’t get the information. But here’s the plot twist apparently Arrow managed to get hold of Robinson way and they state the debt wasn’t for that But how as Robinson way didn’t have the correct details for me. Unfortunately I have lost all faith in  Arrow. I asked Lloyds for everything to do with my account And I have received a letter after all this to go into branch to identify myself 😢 I have been living this nightmare for the last 15 years and I know I got myself into this but I have made these payments since 2005 what can I do if anything I have been through the financial obdusman who to be frank were terrible. 
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Amex CCA following SAR

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Hi everyone


Hoping you can help me with the info I received from Alex following my SAR request. The account is not in default at the moment but if it is an unenforcable agreement would like to negotiate a full & final settlement with them before it gets to the stage where I can't pay them anything at all.


The SAR paperwork I received from them today contains all past statements, a log of telephone calls etc and just this one page application form. Some of the wording is so small as to make it barely legible but it relates to:- (NB This was an online application which I had to sign and post back to them with printed off T&Cs - they haven't sent me any T&C's in response to my SAR)


1. Use of personal information and providing other products and services.

2. Carry out credit checks with a credit reference agency blah blah blah

3. Check your details with fraud prevention agencies etc...

4. Check your identity to proivde money laundering etc

5. Use various statistical methods including the results of any credit checks to assist in evaluating your credit worthiness

6. Contact your employer, bank or building society to obtain any info required.


There is then a small section entitled Credit Agreement Regulated by the Consumer Credit Act 1974 which states "I confirm the information given here is correct. I am over 18 years of age. By signing below I have read, understood and agree to all the Terms and Conditions which form part of this Agreement. I request that American Express issues me with an American Express Blue credit card including any renewal or replacement cards. I wuthorise American Express to issue on my Account an additional card to any person named by me as an Additional Cardholder and understand that I shall be liable for all transactions incurred on any additional cards on my account. I udnerstand that the Terms and Conditions are part of this agreement and that American Express may decline to give me a card at its sole discretion."


As mentioned I have received nothing else from them. Am I right in thinking it should have mentioned an APR to be enforcable? This seems to me to be just an application form and not an enforcable credit agreement?? Anyone help with where I go from here on this?






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AFAICS that is not enforceable as it doesn't have the prescribed terms on it (ie credit limit, repayment terms and interest rate)



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 GE Money Won unconditionally May 2007

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