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    • I Know I will get flamed for this , but for once time only I am with MET . The so called  “graffiti” is there to help people , Parent and child bays , Disabled bays , and electric charge point bays are all there for a reason  , just suppose you had an electric car and it was in need of charging ,had children in the car and need extra space to get them out ,had a disabled passenger who needs extra space . how would you feel  if the bay was obstructed . I have no doubt the experts here will guide you to having the parking charge cancelled . But morally ………..
    • I'm afraid that standing on principles almost always involves a bit of risk. I hadn't noticed the case that you have referred to – and our site team member @Andyorch has already commented on it that there is a lottery in so far as judges are concerned. I haven't seen the claim form and I don't know precisely how it was argued in court. I feel very strongly that the decision is wrong because it effectively allows contractual terms to overcome statutory rights – and this has to be in error. Whatever the case, it is most likely that Hermes will simply put their hands up and pay you out and if you had claimed 5 pounds more they would have done the same. Even if they had gone to court, your chances of winning on a claim for the £25 would be better than 95% and the worst you might have expected would have been for the court to refuse to award you the extra 4 pounds and simply to give you the £25. I think that Hermes and the other courier companies rely on the fact that their customers don't have sufficient confidence to refuse to pay for the extra insurance. Clearly this is something which needs to be tested at a reasonably within the court structure but of course this is most unlikely to happen given the value of claims. I was sorry to see that your original reason for not claiming the full value was that   I asked you to post up your claim form. I think it will be helpful if you did that.
    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
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nemesiz8

Fredrickson Intl Ltd & Arrow Global

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Hello,

 

I got a letter from these guys and didn't have any knowledge of the debts. I asked a friend about these and he told me to send a letter to them. So i decided to send them a letter as well as email requesting information about the debt and with in 2 days i got an email back.

The letter i send was as follows

 

Dear Sir/Madam,

REF:

 

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

 

I would point out that I have no knowledge of any such debt being owed to Arrow Global Guernsey Limited.

 

I am familiar with the CPUTR 2008 and the Office of Fair Trading’s Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I also draw your attention to your affiliate membership of the Credit Services Association (reg 183) which requires yourselves to be compliant with its codes of practice,which I am also fully conversant with.

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

 

I await your written confirmation that this matter is now closed,together with a copy of your complaints procedure. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading via Consumer Direct of your actions.

 

I look forward to your reply.

 

Yours faithfully

The response i got back Arrow Global

Dear Sir,

Thank you for your email, of which the content has been noted.

Unfortunately due to our company Information Security Policy I am unable to discuss an account via this method.

However, I can confirm that this matter is now closed and will issue written confirmation today as well as ensuring our system is updated correctly.

Please accept my sincere apologies for any inconvenience our actions may have caused and should you wish to discuss the matter further please feel free to contact me on 0800 1300 165 (opening times 9.00am – 5.00pm Monday to Friday).

If you wish to make a formal complaint we ask that you submit this in writing to the address below

Kind regards,

Legal & Compliance

cid:image002.jpg@01CAA33B.F6612500

tcorcoran@arrowglobal.net

Tel: 0800 1300 165

Fax: 0845 459 4817

Belvedere

12 Booth Street

Manchester

M2 4AW

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Send it to F's and Bryan Carter. Please correct my spelling error - continued in the first line!

 

 

Hi,

 

Before i send the second letter which you advised to do so, I got a reply from FREDICTION saying the applogies and closed the case.I did not receive any other letter from them after that. Thank you so much for your help!!!!

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Excellent - good news. Well done you!

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A damp summer greetings to all!

My wife has been chased by Fredrickson/Bryan Carter since the 3rd of March,2011, re a debt owed to Arrow Global Limited. Back in November 2009, we wrote to our creditor (Halifax Card Services) and advised them that because of certain reasons the collection of the balance of the account was unenforcable. We heard nothing from Halifax again but instead, Fredrickson International raised its ugly head and we are trying to find out if indeed Arrow has purchased the debt, and if so, why haven't them (Arrow) contacted us and asked for the money. Can anyone help ?

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