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    • Please make sure that you have read at least a dozen or so of the other Hermes stories on the sub- forum. Come back and confirm that you have done this. Once you have done the reading you will understand the whole situation about insurance and you will understand that with our help you will be able to get all of your money back. You will also understand how it works and the fact that Hermes will force you to go to court and they will eventually go to mediation and there they will end up offering you pretty well everything you are claiming that they will try to hold back on a few things such as court costs. You will also understand that if you stand your ground then you will get everything. You will see that Hermes will exploit the tax payer funded poorly resourced County Court system in order to avoid their proper responsibilities towards you and to avoid the consequences of their own negligence in handling your property. Hermes treatment of their own customers and of the County Court system is abusive but I'm afraid that there is nothing we can do to stop them other than to challenge them all the time and to make sure you get your money back. You will need to begin a formal complaint against Hermes. Simply tell them that you don't accept their position and you want your money back. Send it to them by email. Don't certainly deadlines – but wait probably about 10 days and then if they refuse or if you don't hear from them come back here and we will help you with the next step. If you've done your reading then you will know what those steps are You will get your money back but I'm afraid that Hermes will spend far more than it's worth to try and deprive you and so it will probably be at least two or three months.  
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    • Hi   Irrespective that you were given this property via the homelessness scheme in your area you would more than likely have signed an agreement for that property so forget about the homelessness an you then became a Tenant of that Housing Association and have the exact same rights as any other tenant of that Housing Association.   I do have compassion for you in this situation as you have been trying to get your life back in order and it as been one obsticale after another then this flooding which due to it being raw sewege has more than likely detroyed what belonging you had.   What I am going to say now you won't like to hear but with Housing Associations the contents of a Tenants property is for that individual Tenant to ensure they have proper 'Contents Insurance' for situations similar to yours and most Housing Association should advertise/let Tenants know this responsibility.   Were you ever informed of the above requirement when viewing/signing the agreement for the property by either the Housing Association/Support Worker? (if the answer is NO then bear than in mind as this is ammunition to use against them)   Now anytime you write to the Housing Association on this matter you make sure and title your letter as a 'Formal Complaint' and to keep a good paper trail of everything and ask the post office for Free Proof of Posting.   You also need to make sure that you take photographic evidence of all the damage to the property not just your own belongings.   Now as state you now need to make a Formal Complaint in writing explaining everything that and what you have been told to date and that you require the following:   1. Clarification as to how many complaints have been made in your building due to drainage issues whether it be an individual properties toilets/sinks/baths/showers/kitchen sinks/washing machine drainage etc.  ( just to clarify you ar not asking for that individual/Tenant data but the statistics of how many compliaint's on this matter) 2. Clarification as to who is responsible for the Drainage outside the building (refer to the exact blockage area outside the building) whether it is the Housing Association/Council/Water Company. 3. Copy of your Compensation Policy (not the leaflet) 4. Copy of your Complaints Policy (not the leaflet) 5. Copy of your Customer service Charter/Policy (not the leaflet) 6. Copy of your Public Liability Insurance (not the leaflet) 7. Copy of Repairs an Maintenance Policy (not the leaflet)
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mbna cc fraud-thief - arrows now issued claim form***Claim Dismissed***


geord1e
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hi

 

 

I am trying to get a little advise on how to deal with arrow global

 

 

I have asked arrow global for a copy of my cca and received a letter back saying they cant provide me with a copy

saying that they are not the original creditor

 

 

I am confused because I was led to believe if they took over the debt from MBNA

they were responsible for providing me with a copy of my cca

or do I need to write to MBNA for a copy of my agreement

 

 

who is responsible for providing me a copy of my cca

 

 

any help would be gratefully appreciated

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Sent them this:

 

http://www.consumeractiongroup.co.uk/forum/content.php?419-Letter-used-when-a-DCA-refuses-to-comply-with-a-CCA-request

 

adding in the following:

 

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.

  • Confused 1

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Hi and thank you for such a quick response to my post I

arrow returned my £1.00 fee after sending the cca request

saying that they couldn’t provide me with a copy of my cca

I then sent the letter of dispute to arrow after waiting the required amount of time 12+2 working days

they replied saying that although they still deny being the creditor

they will suspend my account until further notice

what does that mean to someone like me who has no idea how these things work and

should I contact them again

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Hi,

 

I belive Arrow should obtain it from MBNA.

 

Did you enclose £1?

 

If it is past the 12+2 days you should send them the 'account in dispute letter'. It's in the forum library.

 

Regards

Molly:-)

thanks molly i had sent the account in dispute letter and have been told by arrow today that the account has been suspended what ever that means

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Geord1e,

 

I might be tempting fate here,

 

 

my OH had a very similar situation to yours a few years ago.

No CCA was ever produced and the account was put in dispute.

 

 

Arrow passed the debt to a DCA and it eventually ended up with Bryan Carter Solicitors.

 

 

BC sent hubby a letter asking him for the details of any defence he would use if they took him to court,

obviously fishing for the Agreement.

 

 

My hubby then sent a letter back saying,literally, I'll show you mine if you show me yours.

 

Next thing was a letter confirming the account had been put on hold.

Hubby stopped paying and has not heard another thing from anybody since.

In fact his Credit Reference has not even been updated for years and is now very close to being statute barred.

 

So if I was you I'd ignore them until you get anything else worthwhile from them.

 

In the meantime you will get loads of help here should you need it.

 

Regards

 

Molly:-)

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thanks molly i had sent the account in dispute letter and have been told by arrow today that the account has been suspended what ever that means

 

no doubt you are on the dca merry go round! you have been SUSPENDED until the next **** dca send you a pay us now or else threatogram. only a judge has any legal powers. however the dca seem to think they are indeed the judge!

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Thanks a lot for all the help and information I have received in such a short space of time today I received this letter from global

Dear Mr. xxxxxxx

Debt owed to arrow global limited

Assigned by NBMA account number xxxxxxxxxxxxxxxxx

We thank you for your letter dated xx/xx/xx content of which has been noted

as stated in previous correspondence

“we do not accept that we are the original creditor,

the account has not become unenforceable by law.

We can confirm that all collection activity on the account will continue

but will remain on hold pending the provision of the requested document

where do I go from here any help would be gratefully appreciated

Edited by geord1e
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you go nowhere, the debt still exists but until they provide the agreement they cant do diddly, so sit back and put your feet up

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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  • 4 weeks later...

hi

 

 

today i received a document from arrow global saying it was my credit agreement .

 

 

it just looks like an application for a credit card would it be possible for someone to take a look at the ocument and advise me and if so how do i upload it

Edited by geord1e
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hi this is the copy of the credit agreement sent by arrow global would appreciate anyone who may have any help in these maters taking a look tell me what they think as I’ve been led to believe its only an application for credit not an actual agreement any help would be greatly appreciated

 

agreementfront-1.jpg

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OK it say application form on the front, but it does contain the relevant T&C's on the reverse

 

couple of things though

 

Did you blank out the year?

 

where did you sign it, ie in your home in a shop etc? cause they did not obtain any ID to say you was you

 

did they send you details of how to cancel, which is what it says on the bottom of page 1

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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