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    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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Claim form received, time running out.


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Hi guys,

 

So after a few weeks of nothing I thought I was home free but then I received a letter from BC stating that they were referring the case back to the claimant. I received a letter from Arrow Global on 05/04/2012 stating the following;

 

"We write further to the above and enclose Notice of Change of Solicitor by way of service on you.

 

This matter is now being dealt with by our specialist litigation team.

 

Please ensure all future correspondence, etc, is addressed correctly.

 

We note from your defence you allege this matter is statute barred as per s.5 Limitation Act 1980. Please note, your account was disconnected for non-payment on 18/05/2006. Accordingly, we do not accept your argument that the matter is statute barred."

 

I find this hard to believe as I had moved from my address at the time in March 2006 did not receive any correspondence after that month. Could someone please advise what is the best action to take next.

 

Thank you.

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I would send them a CPR18 I have drafted one below for you..

 

You need to send this to the solicitor/legal team - send it at the very least by Recorded delivery, but if you can afford it then Special delivery is the way to go.

 

Just because they "disconnected" your account on that date does NOT mean that the first missed payment was at that time. IMHO, you would possibly have missed around 3 payments before they got around to "disconnecting" your account.. Plonkers !

 

 

 

xx

 

 

 

 

 

Your Name

Your Address

 

IN THE XXXXXXXXX county courtlink3.gif

CLAIM NO:

BETWEEN:

XXXXXXXXXX

Claimant

and

XXXXXXXXXXX

Defendant

PART 18 REQUEST FOR FURTHER INFORMATION

To: XXXXXXXXXX (claimant)

 

Please answer the following questions:

1. Upon what date was the last payment made on the account?

2. What was the source, method and amount of the payment?

 

 

TAKE NOTICE THAT YOU ARE REQUIRED TO ANSWER THE ABOVE REQUEST WITHIN 14 DAYS OF SERVICE OF THE SAME UPON YOU

xx

 

 

HTH

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3: Banking Conduct of Business Regulations - The Hidden Rules

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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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So they are just trying it then! Plonkers is right!

 

Thanks for the draft, I will get the letter sent out today via special delivery.

 

Thanks again.

 

I would say so.

 

It is going to be interesting to know what they respond to by way of the CPR18 - Especially as it MUST be signed by them with a Statement of Truth :)

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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

1: How can BCOBS protect you from your Banks unfair treatment

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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  • 2 weeks later...

Hi CitizenB,

 

I had the CPR18 letter returned yesterday from Royal Mail stating that there is no firm/ address incomplete, I double checked the correspondence address on the last letter that I had received from Arrow Global and I had written it correctly so I have no idea what to do now?

 

I also received an allocation questionnaire from the court which needs to be filled out and returned by 08/05/12, I have no idea what this is for, any ideas?

 

Thank you.

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The AQ is designed to help the judge decide what track to allocate the claim to (small claims, fast or multi) and to allow the judge to give appropriate directions to enable the case to progress smoothly to trial. The intention is that the court can deal with this procedural matter without then needing to convene a hearing so it is less costly and more convenient for all.

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Hi CitizenB,

 

I had the CPR18 letter returned yesterday from Royal Mail stating that there is no firm/ address incomplete, I double checked the correspondence address on the last letter that I had received from Arrow Global and I had written it correctly so I have no idea what to do now?

 

I also received an allocation questionnaire from the court which needs to be filled out and returned by 08/05/12, I have no idea what this is for, any ideas?

 

Thank you.

 

Can you post up the address that is on the letter? There should be 2 addresses.. a correspondence address and a head office / registered office address. Alternatively, you can phone the court and ask them, what address have they been given by the claimant for service of documents ?

 

Can you scan in and post the letter up for us to have a look at.. instructions for doing this are below.

 

 

 

 

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

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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

1: How can BCOBS protect you from your Banks unfair treatment

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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Hi CitizenB,

 

The Correspondence address is: Belvedere, 12 Booth Street, Manchester, M2 4AW and the registered office is La Plaiderie House, La Plaiderie, St Peter Port, Guernsey, GY1 1WG.

 

I have attached my original letter.

 

Should I still complete and return the allocation questionnaire to the court?

Letter_to_AG.pdf

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Yes, your AQ should go to the court by the due date - when is that ?

 

Can I suggest on the section where it states "other information" that you advise the court that as you believe that the account is statute barred, you sent a CPR part 18 requesting information.

 

The letter was returned to you, even though you used the details given on their correspondence.

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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

1: How can BCOBS protect you from your Banks unfair treatment

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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The due date is 08/05/2012 so I will send today with the other information added.

 

There is a section which i'm not sure about, it says;

 

"Would you like to use the free small claims mediation service provided by HM courts & Tribunals service, to help you settle your claim with the other party?" I'm guessing I should put no but just wanted to double check

 

Will I actually need to go to court or will the court use the information I provided about the claim being statute barred and request evidence from the claimant?

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It reflects better on you if you say Yes - I doubt the other side will want to.. but it might actually provide you with a little more time in order to obtain the information you require.

 

Did you telephone the court to find out where they are sending documents ?

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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

1: How can BCOBS protect you from your Banks unfair treatment

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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It is likely that you might still need to attend court, however your defence is valid and it is for the other side to provide any evidence that the claim is NOT statute barred. Which they seem extremely reluctant to provide!!

 

If you complete the AQ as advised and assert your belief that in the absence of contrary evidence, you believe the account to be statute barred, in the section provided then you might find the claimant withdraws.

Have we helped you ...?         Please Donate button to the Consumer Action Group

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

1: How can BCOBS protect you from your Banks unfair treatment

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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Ok so now I am confused, I just called the court to confirm the correspondence address and they advised that Bryan Carter are the solicitors, I informed them that I had received a letter both from BC and Arrow Global confirming that BC were no longer representing and the claim had been referred back to AG. The court insist that they have not been made aware of these changes!

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Ok so now I am confused, I just called the court to confirm the correspondence address and they advised that Bryan Carter are the solicitors, I informed them that I had received a letter both from BC and Arrow Global confirming that BC were no longer representing and the claim had been referred back to AG. The court insist that they have not been made aware of these changes!

 

 

Hmm, something a bit muddled here ?

 

I think you should back up your telephone conversation with a letter.

 

Mark it for the URGENT attention of the Court Manager

 

Claim references

 

 

 

Simply confirm the conversation you have had with the court - that you have been advised of a solicitor change by Bryan Carter. Letters are being returned from the Solicitor you were advised was the replacement.

 

That according to a conversation with the court - they are unaware of any change of solicitor.

 

You are concerned that this is going to create problems for the management of the case.

 

Enclose copies of the letters you have received from AG and BC

 

HTH

Have we helped you ...?         Please Donate button to the Consumer Action Group

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

1: How can BCOBS protect you from your Banks unfair treatment

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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  • 1 month later...

Hello,

 

Haven't been on for a while as I had heard nothing since the court replied acknowledging my letter to advise of the change of solicitor until yesterday when I received a 'Notice of allocation to the small claims track (Hearing)'. It basically explains that the judge considers my case suitable for mediation and that I am invited to use the the small claims mediation service alternatively if I do not wish to use the mediation service a hearing has been arranged.

 

Help..... I don't know what to do?!

 

F.Y.I I sent another recorded delivery CPR18 letter to AG about 4 or 5 weeks ago and I have not yet had a response, neither have I had the letter returned from Royal Mail.

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So, has the letter been signed for? check on the RM website - if there is no delivery information eg.. "we are still processing your item" then it might be worth telephoning RM and hanging on to speak to a human being.

 

I will send out an S.O.S for andyorch for you - you can telephone the mediation service if you wish and simply explain to them that as far as you are concerned the account is statute barred and the claimant should never have issued a claim. You could mention that one solicitor has been replaced and the new one has not responded to any communication and that they havent even contacted the court about the change of solicitor.

 

If I remember correctly your CPR 18 was returned as well, wasnt it ?

 

I think you need to start collating your little court bundle now :)

 

Type up for your own reference a skeleton argument.. (simply notes to refer to) - this will also help if you do end up taking part in any mediation / court hearing as it will keep you focussed.

 

Then pretty much produce a bullet style list of all that has happened to get you to this point.

 

Account statute barred

Claimant has said that a payment was made on DATE - but have failed to provide evidence of this payment.

In fact they have failed to provide any documents at all.

Your CPR requests have been returned as addressee unknown

You were advised of solicitor change, but court wasnt

Edited by citizenB

Have we helped you ...?         Please Donate button to the Consumer Action Group

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

1: How can BCOBS protect you from your Banks unfair treatment

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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Hi Sinead

 

I can only endorse what CB stated above, its rather pointless to attempt mediation on a SB date, but as the claim has now been tracked and a Notice of Allocation prepared you will either have to attend mediation or reject and follow the process and timetable laid out in the NoA. Maybe attend mediation and see if they do, if they fail or show no interest this can only go in your favour.

 

Regards

 

Andy

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Ok, thanks guys, I will try the mediation route first.

 

Failing that I guess it's off to court I go! I read that I do not have to attend but should advise the court at least 7 days prior to the hearing, if I decide to do this (hard to get time off work) will I still be able to send in the information that you have told me to collect citizenB or will they only accept the defence I have already submitted?

 

Regards.

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You really, really should attend court, sinead.

 

The information I have suggested you collect together is for your own information - if witness statements are required then you will be advised by the court to submit those at the appropriate time.

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

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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The DJ has recommended mediation any party that declines will be at risk when costs come into question, as it would appear you are being unreasonable and objective.CPR1.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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I submitted my mediation reply form yesterday and within a couple of hours I got an email back with a telephone appointment for two weeks time.

 

When I returned home yesterday I had received a letter (dated 13/06/12) from AG responding to my second CPR 18 request (sent 11/05/12) it read;

 

"Please be advised, we confirm the following in relation to this matter:

 

-The outstanding balance relates to charges incurred on the mobile number 0**** ******, which was activated on 18/05/2005. The mobile was disconnected from the network and the account closed for non payment 18/05/2006.

-The outstanding balance relates to 4 invoices dated between February and May 2006.

- A Direct Debit was set up in the name of Miss ***** ******. The last payment was received 27/02/2006 for £80.00.

 

We trust this satisfies your enquiry and we look forward to hearing your payment proposals in due course."

 

So what does this mean? does the 6 years go from the date of the last payment?

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Hi all,

 

I have received a claim form from Northampton County Court (issue date 06/02/2012) claiming that I owe to Arrow Global, the POC states;

 

 

.

 

I submitted my mediation reply form yesterday and within a couple of hours I got an email back with a telephone appointment for two weeks time.

 

When I returned home yesterday I had received a letter (dated 13/06/12) from AG responding to my second CPR 18 request (sent 11/05/12) it read;

 

"Please be advised, we confirm the following in relation to this matter:

 

-The outstanding balance relates to charges incurred on the mobile number 0**** ******, which was activated on 18/05/2005. The mobile was disconnected from the network and the account closed for non payment 18/05/2006.

-The outstanding balance relates to 4 invoices dated between February and May 2006.

 

- A Direct Debit was set up in the name of Miss ***** ******. The last payment was received 27/02/2006 for £80.00.

We trust this satisfies your enquiry and we look forward to hearing your payment proposals in due course."

 

So what does this mean? does the 6 years go from the date of the last payment?

 

 

andy, is it?? The claim form was issued on 6th February 2012 - according to AK the last payment was made on 27th February 2006 !!

 

Sinead, do you have any bank statements that show this payment being made ??

Have we helped you ...?         Please Donate button to the Consumer Action Group

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

1: How can BCOBS protect you from your Banks unfair treatment

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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Damm your right CB they got it in within 2 weeks before SB. Dont suppose you are in Scotland Sinead?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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