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    • First of all welcome to the Forum. Do not worry about Drips+ -a dead sheep has more power so do not let them bother you and never contact them. It is a pity that you wrote to PE  which would be perfectly normal, except with crooks like PE  as you may have revealed you were the driver. You have lost the protection of POF A but it is not a fatal. Please do not even think of paying a penny. The amount may go higher in the short term but when the poor dears do not hear from you they get worried ( because they think to won't pay) do they start sending begging letters and reduce the amount owed.I One of the Site Team will be along shortly and give you a template to fill in which helps us to give you the best advice should they not give up. Just complete the form and post up photos of the signs at the entrance to the hotel and others around the car park and the terms on their ticket machine if there is one.
    • HI   You took possession of the Property in 2010 but when did you end the Tenancy Agreement?   Did you give them the required Notice to end your Tenancy?   You mention you paid a Deposit in 2010, was this returned when you ended the Tenancy?   You need to know exactly what they are claiming money owed is for and surprised that solicitors letter does not mention this.   Send the Landlord a Subject Access Request (SAR) asking for 'ALL DATA'  (ensure to send a copy to the Solicitor acting for them as well. 
    • yes only court...   can I confirm this was settled via Barclaycard and chargeback as it was a debit card, rather than section 75 via a creditcard?  
    • Hi   Sorry for the delay in getting back to you don't worry we have not forgot you.   So they have destroyed ALL DATA personal to you as you did not take the Property. (really they have put there foot in it)   If they hold no personal data then they have NO evidence of what was agreed to with your Holding Deposit and the refusal to return it.   Now if it was me I would let them drop themselves in it even further by responding to there SAR response.   Thank you for your SAR Response dated XX/XX/2019   Due to this response I require clarification of the following:   1. Have you followed the Data Protection Act 2018 & General Data Protection Regulations on Destroying My Personal Data?   2. If you have Destroyed All My Personal Data then what documentation do you hold that I have signed/agreed to the Holding Deposit being Non-Refundable and to provide copies of this documentation.   3. I require a copy of your Policy on Holding Deposits   Please bear in mind the above is what I would do.   I do think it is looking like you may have to go down the court route (make sure and have a good read of that link I previously gave you to the Tenants Fee Act).
    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
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travisb

MBNA/marlins - now Arrows

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Advantis are debt collection and tracing company, you are right to ignore them until you get something in writing.


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Another small update.

 

Never heard back from Arrow Global's solicitors.

 

I've had a look at my credit file though and AG have posted a default running from feb this year (2014).

 

Are they allowed to do that with an alleged debt which is now statute barred?

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Another small update.

 

Never heard back from Arrow Global's solicitors.

 

I've had a look at my credit file though and AG have posted a default running from feb this year (2014).

 

Are they allowed to do that with an alleged debt which is now statute barred?

 

 

 

 

A debt will still appear statute barred or not IF the default has not expired and will be removed on the 6th anniversary of the default date.


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

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Another small update.

 

Never heard back from Arrow Global's solicitors.

 

I've had a look at my credit file though and AG have posted a default running from feb this year (2014).

 

Are they allowed to do that with an alleged debt which is now statute barred?

 

Do you mean the start date of the default is February? If so, there may be trouble ahead if they have recorded a NEW default.

 

If they are reporting an existing default which was correctly registered within around six months of the actual cause of action, then as Brig says you’ll just have to wait for it to drop off.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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Having had another look at it the start date is recorded as Sept 2009.

 

If I remember correctly last payment was made to the account in March 2009 and the first red blob was placed on it in April 2009.

 

Am I right in thinking that it's now Statute barred?

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Unless you're in Scotland no not S B until April 2015. I was looking at your post early this morning and wondering why A G had let your S B date pass without your being hounded by one or more of their solicitor "partners". Now I know. Sorry to be the bearer of bad tidings.

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Unless you're in Scotland no not S B April 2015. I was looking at your post early this morning and wondering why A G had let your S B date pass without your being hounded by one or more of their solicitor "partners". Now I know. Sorry to be the bearer of bad tidings.

 

I am in Scotland. I should have said that.

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Oops . Sorry. I'd forgotten. Glad my bad tidings were misplaced. Why on earth have they left you alone? Almost without precedence. Congratulations.

After long period of silence up to the infamous letter they sent to everyone offering a chance to opt out of mail , they drilled my molars mercilessly up to and even beyond S B.

Just make absolutely sure of your last payment date.

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Yeah, I've just double checked and the last payment was March 2009.

 

Next question is: Do the CRAs remove it after the sixth anniversary of the cause of action or the actual default date?

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Default date.

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Default date.

 

Since they don't have my permission to publish my data by means of a signed and properly executed credit agreement is it maybe worth trying to get them to remove the default?

 

They've been so very nice so far. :-)

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No. The McGuffick v RBS [2009] ruling takes care of this. Failure to comply with s78 does not prevent fair reporting of the conduct of an account.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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No. The McGuffick v RBS [2009] ruling takes care of this. Failure to comply with s78 does not prevent fair reporting of the conduct of an account.

 

That's that out the window then.

 

Thanks for the replies folks.

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