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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
LordSuggs

old Egg loan ScotCall/Arrow Global/Westcot - Now Claimform

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Hi all,

 

I've recently found this forum and am looking for some guidance on how best to proceed with a loan I have.

 

The background:

 

I was experiencing financial pressures with my business in 2005

and took out an Egg personal loan to pay off a credit card bill

 

I had accumulated while trying to keep the business afloat

- yes stupidly I was accumulating personal debt to support my business.

 

Obviously this didn't help, and in 2006 I then took a further loan to raise the amount to £20k.

 

About this time I had an accident in my house and all my paperwork were lost in the resulting effects.

(it never rains but it pours!).

 

Due to the business failing and my own poor mental state,

I stopped paying on the account in early 2008.

 

My business failed shortly after and I had to go on JSA and move in with a family member,

whilst also struggling with depression.

 

After being chased relentlessly by Scotcall,

I started paying £1 a month in a temporary agreement.

 

I attempted to agree a full and final settlement with them in early 2009,

when a family member agreed to pay £2.4k,

 

but they would only agree to a partial settlement

- after discussing with the national debtline they said they wouldn't trust that

as far as they could throw it,

 

I declined the offer and asked if we could agree a further £1 a month settlement whilst I was still on JSA.

 

However I didn't hear back from them after this.

 

That was until June this year,

when I received a notice of assignment that Arrow Global had taken over the account from Egg

and I would be dealing with Westcot.

 

Learning from my dealings with Scotcall,

I have changed mobile number, so am only dealing with them via mail.

 

I have just started a new part time job and come off JSA,

 

I can afford a small amount a month and following their contact with me,

 

I offered them £5 a month for 6 months.

 

They responded by sending me a blank Direct Debit form to fill in

- no acknowledgement of my offer,

no agreement stated, no amount, no dates....

I was expected to sign it and send it back to them.

 

Of course I didn't and asked them for their account number which I could pay into myself.

 

After obfuscating for two more letters,

I have finally received a Standing Order form from them,

which they ask to fill in and send back to them.

 

Now my dealings with Scotcall have hardened me somewhat,

I am not as intimidated by them as I would have been a few years ago.

But I am still unsure of the best way forward.

 

Should I send this back to them or just go ahead and pay the £5/month online now I have their account details?

Given that I have no paperwork, I'm guessing a CCA request is a given, but do I write to Egg or Arrow Global?

 

Anyone know if Arrow Global are more receptive to full and final offers than Egg were?

 

Any other pointers would be gratefully received

 

- I wish I'd found this forum years ago!!!!

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Under no circumstances complete the Direct Debit. Using the bank details provided set up a standing order which you control or ensure you pay each month using your online banking facility.

 

there have been on or two reports on the forums where DCAs have helpe themselves, or increased the direct debit value without consultation.

 

I would then confirm what you have done in writing... just advise that your bank account doesnt support direct debit payments.


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Thanks CitizenB - will do that immediately.

 

Any idea on who I send the CCA request to - Egg, Arrow Global or Westcot?

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It is my understanding that the CCA request should go to the original creditor. However, I have seen others say it should go to the current owner of the account.

 

Not much help on that one, was I :(


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ah thanks - will do a bit of digging around and see if anyone's had any success with either approach.

 

Thanks also to the person who just messaged me with tips - I can't reply by message as I don't have 5 posts yet :(

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It might be worth having a read of the two links below.

 

The first is quite lengthy, the 2nd contains letter templates. I think once you have received a response to your CCA request, or not as the case might be.. you may need to confirm if they DO actually retain a copy of the original.. especially if they have decided to send you a reconstituted copy.. which is acceptable for the s78 request, but not for any litigation.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?291468-Fighting-back-with-CPUTR-2008....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?317447-Request-for-confirmation-of-documents-under-CPUTR-2008

 

If you look at PriorityOne's threads, you will also find a thread where you can ask questions in respect of anything CCA

 

HTH


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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pers i'd look at your cra file and see who owns the debt.

 

then fire the cca off at them.

 

i'd also consider an sar to EGG

 

as i bet there is some reclaiming to do somewhere!

 

for the minute, i'd pay no one anything till we get your ducks inline.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Ok, I have had a look at my file and the loan is now definitely with Britannica Recoveries.

 

I've also got listings on the old Egg card going back to 2000.

 

So guess that's the plan then - CCA to Britannica and SAR to Egg.

 

Thanks for the help guys - really appreciated. Will update once/if I hear back.

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Ok, well I've heard back from my CCA request.

Arrow Global, Acting as agent for Britannica Recoveries have said:

 

"DEBT OWED TO Britannica Recoveries, Assigned by Egg

 

We do not accept that we are the creditor as envisaged by the above statute.

 

However we are willing to assist in obtaining that which has been requested.

 

We will now process your request for documentation from the creditor and will revert in due course"

 

Anyone know how this affects the 12 + 2 days time limit?

 

Also, do I just send one onto Egg now rather than wait for them to do so,

since they returned my £1 postal order?

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Doesn't affect timescale - my advice would be to send account in disput letter.

 

Intend

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The relationship between Arrow Global and Brittanica is close enough to be incestuous, and gives the lie to their whining in their rather curiously worded letter.

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p'haps a CCA is a waste of time

but will confuse the brits!

 

get an SAR off to egg.

 

lets see whats actually going on here.

 

dont forget NONE of the people chasing you/involved have ANY legal powers

so no paying them yet.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Doesn't affect timescale - my advice would be to send account in disput letter.

 

Intend

 

Thanks for the advice - sorry, a bit confused.

 

The letter in dispute surely works on the basis that the timescale has expired?

 

So wait for the 12+2 days, and then send, yes?

 

The relationship between Arrow Global and Brittanica is close enough to be incestuous, and gives the lie to their whining in their rather curiously worded letter.

 

It's got me confused - my credit report says the debt is with Brittanica,

 

the letter received from Arrow says it's nothing to do with them and it also says it's assigned from Egg.

 

p'haps a CCA is a waste of time

but will confuse the brits!

 

get an SAR off to egg.

 

lets see whats actually going on here.

 

dont forget NONE of the people chasing you/involved have ANY legal powers

so no paying them yet.

 

dx

 

Take the bull by the horns, so to speak? I received a letter from Westcott too trying it on, but it is dated before Arrow's. They certainly do like trying to exert pressure!

 

A question on SAR - given that there was a credit card AND loan with Egg, do I need to specifically highlight each of these, or does a SAR cover all dealings with this company? Cheers.

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a SAR covers all data, all accounts.


:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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Hi there.

Time for an update.

 

Early January I received a second letter from Arrow Global/Britannica Recoveries

from my earlier requested CCA,

saying they are still awaiting receipt of documentation from the assignee Egg.

 

So I sent off aSAR request to Egg. They replied last week as follows:

 

"This letter is about your Egg Account

 

Thank you for your request for an executed copy of the credit agreement for account number XXXXXX

with Egg Banking Plc under section 78 (1) of the consumer credit act 1974

 

As the account you refer to is now closed I have to inform you that Egg

are under no obligation to comply with a request for a copy of the executed agreement

under the Consumer Credit Act as we no longer have a contractual relationship relating to this account

nor are we seeking to enforce any agreement on the account.

 

The right to be provided with this information from Egg Banking plc ended with the closure of this account.

 

Section 78 (3) (a) of the Consumer Credit Act states that section 78 (1) does not apply

where 'no sum is, or will or may become payable by the debtor'.

 

The right to request an executed copy of the agreement is found in part VI of the act,

which is entitled 'Matters arising during currency of credit or hire agreements.'

 

so where an agreement is no longer current the right to request or be provided

with a copy of the executed agreement therefore ceases.'

 

In my request to them, I only gave my address and did not specify account numbers.

 

So what they've done is commented on my closed Egg card, and not mentioned the Egg Loan.

And also they have not returned the £10 postal order!!

Anyone have any idea what they're playing at?

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Rather odd statement to make from EGG..

If no agreement is going to be forthcoming, the new owners are going to have a hard time pursuing any balance outstanding.

 

 

I have asked for further advice on this one :) the new owners wont be able to "reconstitute" an agreement that's for sure.


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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told ya

 

now i take it that was a reply to your cca

 

is the sar still on its way?

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Thanks, citizenb - appreciated :)

 

To clarify, all Egg have mentioned in their reply is the number of the Egg card account I had prior to my loan. No mention of the reference number of the Egg loan that Arrow/Brittanica have been corresponding to me about. Both accounts had the same home address.

 

Hi DX,

 

The Brittanica/Arrow reply was the response to the CCA - effectively saying we've not heard back from Egg.

 

The SAR request to Egg elicited the long reply I quoted, bypassing any reference to my outstanding loan and only mentioning the closed Egg card account.

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post 15 is in relation to a CCA

s78 is nowt to do with an SAR

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Ah ha! That makes sense now in regards to why they didn't return the £10 PO for the SAR. It's still being processed.

 

So just hold fire till the 40 days for the SAR request expire?

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Absolutely, if they dont comply with the SAR within 40 calendar days.. then you can issue a court claim in order to force their compliance :)


Please consider making a small donation to help keep this site running

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donatelink3.gif through PayPal (opens in a new window)

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Once the 40 days is up and they haven't produced the documents then you would need to write a letter stating that they hadn't complied fully with your SAR, enclose a copy of the original SAR request.....give them a further 7 days from recepit of your letter something similar to this - http://www.consumeractiongroup.co.uk/forum/showthread.php?178660 I think it might also be wise to state in that letter that if they do NOT hold the documents you requested then they should confirm this in writing to you....


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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So, EGG are saying if they closed the account monies are not due???


:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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Really appreciate the advice, fellas. Will update again once the 40 days expire or if any more correspondence arrives.

 

brokebutnotbeatn - not overly sure, since they only make reference to my closed Egg credit card. Hopefully if they respond to the SAR that will clarify thing...?

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Well someone's been busy. Reconstituted agreement received from Arrow/Britannica and 400 odd pages received from Egg in relation to my SAR including credit card statements going back to 2000. Please help - where do I even start with this lot?

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