Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

ARC Europe Chasing for Brittanica Recoveries old EGG loan


cjb199772
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4349 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

I am new to this so apologies if I have posted in the wrong place.

 

I received a letter a while back regarding a loan I had taken with Egg in 2005 (I think),

from ARC acting on behalf of their client Brittanica Recoveries S.A.R.L - Arrow.

 

They wrote demanding full repayment of the loan and started with the constant calls to my mobile.

Ignored those and wrote two letters, one per the CCA and one to stop calling as I would not deal on the phone etc.

 

Received back a printout of what they claim was the original form I completed online with Egg.

There was no signature (a tickbox).

 

Now I do remember that with Egg they also sent out forms to be signed directly.

 

Also - I have no idea if this was the online agreement I 'signed' or if it is made up.

 

they have now started sending threatening letters- one demanding an income and expenditure form or else,

 

This most recent letter I received states they have "still not received a response and have informed our client wich will allow it to take further action to recover the debt...

...we will only be able to assist you if you call now on the above number" etc etc.

 

I have NO intention of calling them after the way I was spoken to when I contacted them at the start of all this to find out who they are!

 

I am about to send them another letter asking for the Subject Access Request (clearly the didn't receive the first one I sent).

 

When I wrote for the CCA they sent back the Postal Order with a letter that said they do not own the debt

and therefore could not accept the payment for the CCA but "as a gesture of goodwill" they would send me what I have asked!

 

All I want is to find out are the details of what I signed up for. They claim c.£7k is owing but it could be anything really.

 

If anyone could advise me how best to deal with these people and what I can do that would be great as I am hugely stressed

I don't even know if I should be dealing with ARC or Brittanica...

 

Thanks so much

Link to post
Share on other sites

well if they dont own the debt

 

they can do nothing too you

 

only the owner can

 

basic threat-o-gram sounds like

 

no dca has any legal powers anyhow

 

check you cra file to see if this deb shows

 

the detail of cra's are listed below

 

dx

 

oh and stay off that phone!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

they have now started sending threatening letters- one demanding an income and expenditure form or else,

 

...we will only be able to assist you if you call now on the above number" etc etc.

 

I have NO intention of calling them after the way I was spoken to when I contacted them at the start of all this to find out who they are!

 

I am about to send them another letter asking for the Subject Access Request (clearly the didn't receive the first one I sent).

 

You are under no legal obligation to supply a DCA with your personal financial details, only a Judge does have the right to demand to see this.

 

As DX says, stay off of the phone, they will say to you on the telephone things that they will never commit to in writing.

 

A SAR should go to the Original Creditor, a DCA will hold very limited information.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

Thanks both

One question I meant to ask was if the computer printout with a tickbox checked rather than a signature is right?

i understood that they had to have a signature?

 

Thanks

Link to post
Share on other sites

you did it online

 

so no sig

box will do

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

 

I received a letter a while back regarding a loan I had taken with Egg in 2005 (I think),

from ARC acting on behalf of their client Brittanica Recoveries S.A.R.L - Arrow.

 

They wrote demanding full repayment of the loan and started with the constant calls to my mobile.

Ignored those and wrote two letters, one per the CCA and one to stop calling as I would not deal on the phone etc.

 

 

 

Have you ever received a Default Notice from Egg (or even from any of the subsequent 'owners') regarding this alleged debt?

 

Rob

Link to post
Share on other sites

I genuinely don't remember (this all happened mid house move and divorce).

When I was made redundant the insurance kicked in, when I had not managed to find work after a year I contacted Egg and they told me that there was nothing they could do as they won't enter a payment plan with someone on jobseekers, so it was a bit of a catch22.

Link to post
Share on other sites

what do you think you made your last payment?

 

have you cheked your cra file?

[see below]

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yes I just have, that was depressing!

I thought bad credit etc were meant to go away eventually!

Anyway it was listed as defaulted (Satisfied) by egg and britannica bought the loan and defaulted it again

Link to post
Share on other sites

Bad markers get removed after 6 years from the date the cause of action happened.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

cant default it twice

 

when was your last payment?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

EGG BANKING PLC Loan Default Satisfied 14/08/2011

BRITANNICA RECOVER... Loan Default 23/10/2011

 

Definitely the same one that ARC are now chasing for.

 

Also - sorry to bother you with yet anther question, there are 2 on my file that I am disputing as they have not provided me with signed agreements and have ignored the SAR - they are both disputed, can they do that?

Link to post
Share on other sites

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...