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    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
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Arrows/freds/Carter re old LLoyds TSB OD


meandbex
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will do cheers.

 

Shame no-one on here offers a paid or unpaid service to look at peoples CRA files by seding original attachments and see what issues there are and how they can be approved.

 

Maybe I should do something like this but get my knowledge up to speed of the legalities etc and then try to help others

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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we don't charge for anything, neither should we. though donations go down well.

 

the trouble with a l these 'claims' companies.

they rip people off

 

DIY

 

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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  • 2 weeks later...

well i sent my "prove it" letter on 23rd may as seen in this thread and on the 26th May got the reply below also seen in this thread

 

Dear Mr xxxxxxxxxxxxx.

Thank you for using our on line services, the comments have been duly noted.

I can confirm, we have sent your query to our client and await their response, in the meantime the account will remain on hold until a response is received.

Fredrickson International Ltd

0845 219 8686

 

It is now the 18th June and i have heard nothing back from them. Can they do anything else now or have they simply failed to follow procedure and cant do anything more?

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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without a valid CCA they are stuffed.

 

phishing exercise me thinks!

 

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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Share on other sites

thought as much!! Hopefully an end to the matter now.

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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It might make more sense by me linking to my original post about getting a DCA off my back, but having read about defaults etc, i must air the thread regarding the same account.

 

This is due to the fact that the account was started in 1998 but got defaulted in year 2006. The account was then updated in February 2010. After sending the prove it letter I have heard nothing and assum its staute barred anyway, but my concern is the default.

 

There are screen shots in the link below showing the same account, the first one being originally Lloyds TSB and the second one to Fredrickson who only originally got in touch on 1st may 2010 so how could they update my account in February?

 

Any ideas please people?

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/258979-fredrickson-international.html

Edited by meandbex

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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  • 4 months later...

and now I have recieved a letter From FairFax Solictors saying full balance to be paid by 5th November and if not then instructions to proceed to obtaining a CCJ will be made.

 

I have wrote the following to them.

 

Sir madam I am completely perplexed at the situation of this matter.

Firstly Bryan Carter Solicitors were involved in this matter by Arrow Global and now it has been given to you!

Firstly all this information is on the Credit Consumer Action Group Website and secondly have been taking the relevant advice.

According to Lloys TSB they have stated on my credit file that the account is settled. Despite trying to obtain a CCA and within the 14 day deadline they were not able to supply it. Then i get a letter from Global Arrow who illegally have automatically lodged a default against me which is in the matter of the Financial Obudsman to investigate currently. Global Arrow also failed to respond to my CCA request and then got Bryan Carter Solicitors to facilitate the matter.

Another letter was written to Bryan Carter solicitors requesting a CCA within the 14 day period. They replied saying they were unable to do so and that as far as they are concerned the matter is closed. And now I am faced having to do the same to you guys. This is clear harrassment and I will be recontacting the Ombudsman to report this.

Global Arrow have never ever responded to any of my emails or recorded letters. In light of this matter yet again, please find below what I am outlining to you.

 

Reference Number xxxxxxxxxxxxx

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

I can enclose a postal order in the sum of £1.00, at your request which is the statutory fee. Note that these funds are not to be used for any other purpose.

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

I look forward to hearing from you.

Yours faithfully

xxxxxxxxxxxxx

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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to be honest

you are now on a phishing list

 

ignore everything

 

there is nowt any of the fleecers can do to you until a vaild CCA appears.

 

DCA's / their tame solicitors have

 

NO LEGAL POWERS

 

they just send threat-o-grams designed to make you contact them.

 

dont

 

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 more you respond

the more markers you'll get that a mug awaits fleecing.

 

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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Share on other sites

  • 2 years later...

hey dx, i cant believe this old thread and that I never updated you about it.

 

I NEVER EVER heard anything from them again. As you can see from my first screenshots the debt was from dec 2006 , so this was made statute barred in December 2012 :)

 

The figure got related to overdraft figures and late charges etc or missed direct debits. I do have the statements from that account still and went through them all today - total charges come to £1250

 

Is this something i can pursue to reclaim back now or not?

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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sadly not on an OD outside of nov 2009

 

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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Share on other sites

  • dx100uk changed the title to Arrows/freds/Carter re old LLoyds TSB OD
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