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    • Excellent news! Thread title updated. Please do consider a donation in light of the help received here. The help we give is free, but try telling that to our server hosts!
    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Mobile phone debt Arrow Global/Orange


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Hi guys, was just wondering what the difference is in handling a mobile phone debt (from 2006) if any, to a normal credit agreement for cards or loans.

 

I am used to dealing with sharks from HFO , no problem, but have just noticed a change from Orange to Arrow Global on a mobile debt on my credit file and expect them to be writing soon. Just want to get the heads up about anything different from the normal .

 

Thanks

My advice is given through personal experience and is given without prejudice

 

 

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The difference being is that Moby's do not come under the usual CCA request, mainly because it isn't a credit agreement, it is a service agreement.

Although they do still like to mark people's CREDIT ref files adversely?? Something I might look into and pose the question as to why this is so?

So that said, the only real way to get to the bottom of mobile contracts, is to send out a SAR to the OC (orange?) this will then give you the entire history if the account between you and them and show any charges you can claim back.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks BB , thought I had read something along those lines, but didn't want to trawl throught the forums again

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  • 2 weeks later...

So now finally got a letter from Moorcroft, as follows:

 

Moorcroft Debt Recovery Limited

Pre-court division

 

RE: Arrow Global

 

To prevent possible litigation please send payment before 22/12/10 or telephone imediately

 

If you do not contact us following receipt of this letter we may have no alternative other than to assume that you are avoiding repayment of this debt. In this situation we may recommend to our client that solicitors issue legal action against you which may follow. Please note if legal action is necessary your debt may increase as follows:

 

Current balance *****

Solicitors costs for issue of claim form £70

Court fees for issue of claim form £55

Solicitors for entering judgment (by default) £25

 

Contact us now

 

 

Any advice? Haven't sent a SAR off yet. Arrow Global say the SAR should be sent to them on their letter, but should I send it to Orange?

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Yes, been expecting a letter for a while, noticed they had taken over the default on my credit file. Think I will send Orange a SAR and ignore Moorcroft

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Does anyone know if moorcroft should be collecting on behalf of AG without it being assigned to them?

My advice is given through personal experience and is given without prejudice

 

 

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Just to be clear Arrow Global has no connections with Orange-they are a debt buying firm who buy distressed accounts not only from Orange but a number of companies.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Does anyone know if moorcroft should be collecting on behalf of AG without it being assigned to them?

 

Its not unusual for one Debt company to use another for collection-it happens quite frequently.

But there is an obligation that you are informed and under OFT debt collection guidelines there should not be multiple DCAs collecting or attempting to collect on the same account/debt.

This has already been outlined on the other thread you posted on in telecoms forum.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ta for the clarification. Most certainly Orange (and probably the others) operate(d) an arms-length debt-collection firm to provide a third-party contact to push the debtor into settling. However from complaints in the forums of late, it appears most are moving away from this approach, preverring to cut the customer loose, terminate the contract, and make what they can quickly from the selling on of the liability.

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So if Arrow Global are using a DCA without assigning it to them, can the DCA bring legal action? Or would any legal action have to be in Arrow Globals name?

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Its usual and common for A DCA to use a Solicitor for litigating,which is done on behalf of AG.

AG are known to use Bryan Carter,and also have Solicitor listed at operating from an An address in Cumbria which is the same address as their Guernsey operation has listed on their CC licence.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ta for the clarification. Most certainly Orange (and probably the others) operate(d) an arms-length debt-collection firm to provide a third-party contact to push the debtor into settling. However from complaints in the forums of late, it appears most are moving away from this approach, preverring to cut the customer loose, terminate the contract, and make what they can quickly from the selling on of the liability.

 

Yes this would seem to be happening more and more.Maybe there are tax advantages in disposing sooner rather than later.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks mate, I know where i am when dealing with HFO (usually in the winners enclosure), but in new territory with mobile phone debt

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Yes.

I suppose it depends on what you are after seeing.

Orange will still be liable to comply should you send a SAR to them.

On the other hand AG would also be responsible for providing copies of anything they have,but will not really have much outside the basic account info.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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