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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Newbie: ref Arrow Global, iQor


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Sorry first post and new to forums,

 

On my credit report I found two entries from Arrow Global

 

1st for a sum of £756

 

2nd for a sum of £250

 

 

Since I have had calls over recentmonths in regards to the 756 when asked what the debt was for they could only say a HSBC account, when I told them I had never had a HSBC account they said it would be from a Morgan Stanley credit card again I have never had one.

 

They told me to go back to HSBC with the sort code and an account numner they gave me, it transpires from an old first direct account, i though i had paid up previously, and has come out of the blue, I have written twice to first direct as they couldn't give me details over the phone as I didn't know any passwords, I have heard nothing, the DCA dont seem interested just I owe can you make payments? I have refused as I don't know the debt.

 

Firstly, if my debt if I have one is with First Direct then how come Allied Globbal can enter it as a debt to them on my credit details on Expirean? Do I have to do the leg work to chase details of a debt they seem to think I owe?

 

 

Again the second debt I think is with Orange, but again do they have a right to enter it onto experian credit report when the debt is with Orange? I was contacted about this by Freidrickson Int over a year ago, then heard nothing when I asked for details about the debt.

 

Today I received a text from iQor saying I needed to contact them urgently about private buisiness, polite but they can call me! and after looking on the net about them am concerned, also had a voicemail from another company asking me to call back. not sure which debt they are chasing, but can you help please?

 

If I owe a debt then I am happy to pay for that, but not happy when a DCA asks for payments but cannot tell me where they come from. Also If i owe money to a company how can another company make an entry onto my credit report?

 

I will be out of the country for three months from July and would prefer to sort beforehand to save my girlfriend the anxiety.

 

Hopefully I can get some help and advice, regards

 

Carl

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Hi, Arrow global is a debt purchase company, the debt will have been sold to them by HSBC

You should have had notice of the sale/notice of termination of your account

 

As this is a current account it is not covered by the Consumer Credit Act 1974.

 

So what you need to do is a subject Access Request under the Data Protection Act this will provide ALL

the data they have on your account, this should be sent to HSBC, the cost is £10.00 and they have 40 days to respond.

 

There is a template in the CAG library, have a read and post up if you have a problem.

Never enter in to telephone conversations with any debt collectors as they will attempt to brow beat you in to payments or acknowledgement of the debt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Thankyou,

 

I have never accepted the debts, how can they put the debt on a credit report?

 

Will try and get sorted tomorrow when I have the opportunity.

 

Regards

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When a company like Arrow buy the debt they take on all the obligations of the original creditor

including the updating of credit files.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It was never on my credit report before the end of last year, directly by Arrow. I have never received any notice that debts are being sold or handed to a second company.

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You must get the SAR done asap post if you need help.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Sorry SUBJECT ACCESS REQUEST UNDER THE DATA PROTECTION ACT 1998

This is a request to the original creditor not the debt collector, they have to provide you with ALL the data

they hold on the account, which will give you the information to check if the debt is statute barred 6 years of no

acknowledgement or payment to the account.

This costs £10.00 and they have 40 days to respond,send recorded delivery.

There is a template letter in the CAG library, have a read and post again if you need help.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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