Jump to content


  • Tweets

  • Posts

    • 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.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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
  • Recommended Topics

Sainsbury loan/Arrow Global/Wescot/DrysdenFairfax


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

Thread Locked

because no one has posted on it for the last 4126 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

  • Replies 79
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

  • 2 weeks later...

Morning All

 

Update on the current situation. I have received nothing in relation to the CCA reminder letter sent on 24 Oct 2012 giving AG 21 days to reply or nothing (apart from the letter from AG on 12 Oct 2012). In respect of the complaint letter, would you send them a polite reminder at this point?

 

Thanks

Link to post
Share on other sites

Good Afternoon all

 

A very strange letter came through the letter box today. On 3 Oct I sent AG (Arrow Global) a standard CCA request. I sent this recorded delivery and a confirmed signature. After not hearing anything from AG (CCA request) I sent the 21 day warning letter on 25 Oct by recorded delivery. Again the post office confirmed this had been signed for.

 

The letter I received back today (25 Oct) was from the post office saying no one at the address. To me, this is all rather confusing. My questions are: -

(1) How could the letter be sent back when I have proof of delivery?

(2) The letter of the 25 Oct was sent to the exactly same place as the original CCA request. Why then are the post office saying that there is no one at that address?

 

I have absolutely no idea how I should proceed now and any advice would be greatly received.

 

Thanks in advance.

Link to post
Share on other sites

Hi what address did you use, you may need to complain to Roayal Mail about this.

Is this letter defintely from RM.

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:

Link to post
Share on other sites

Hi what address did you use, you may need to complain to Roayal Mail about this.

Is this letter defintely from RM.

 

Thanks Brigadier for your quick reply.

 

On looking at the details on the envelope it was not sent back by Royal Mail. The address I sent the letter to was

57-61 Mortimer Street

5th Floor

London

W1W 8HS

 

This is exactly the same address I sent the original CCA request on the 3 Oct 2012. Proof of delivery (like the letter sent on 25 Oct) was provided.

 

Very strange! Any ideas?

Link to post
Share on other sites

Just going to do some checking!

 

OK Arrow Global

UK Mailing address.

Belvedere

12 Booth Street

Manchester

M2 4AW

0800 1300169

e-mail [email protected]

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:

Link to post
Share on other sites

Just going to do some checking!

 

OK Arrow Global

UK Mailing address.

Belvedere

12 Booth Street

Manchester

M2 4AW

0800 1300169

e-mail [email protected]

 

Should I therefore resend the whole CCA request again? Seems odd to do this as I replied to Bazooka, no problems with original request and postal order cheques.

 

What would you suggest I do next?

 

Again, thank you for all the help u are giving.

Link to post
Share on other sites

ok.

 

Thanks Brigadier

 

I have amended the 21 day letter orginally sent on 25 Oct to include today's address and the address given above (with a copy to DF). Before I send this by RD, is it worth sending a covering letter?

Link to post
Share on other sites

  • 2 weeks later...

Good Morning All

 

Yesterday I received a very strange letter from AG Ltd in reference to the CCA request made.

 

'We thank you for your letter dated 16/11/2012 and acknowledge your request for documentation pursuant to the Consumer Credit Act 1974.

 

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.

 

We confirm that all collection activity will be suspended pending provision of the documents. We will continue to investigate your complaint as explained in our letter dated 12/10/2012.'

 

I find this letter completely bizarre as: -

 

(1) AG clearly purchased the debt from Sainsbury (letter of assignment and shows on my credit file they own the debt).

(2) From my understanding of the CCA 1974, AG are clearly the creditor.

(3) If AG are not the creditor, why bother chasing money from me?

 

Your opinions would be greatly appreciated and what actions I should take next.

 

Thanks

Link to post
Share on other sites

AG will have bought the debt and rights to collect on it but regarding the CCA that will still be in the

possession of the OC therefore they will forward the request on to the OC.

 

It's the same if you want to send a SAR for all the information regarding the account, the DCA will have

a small amount of data on you and will only relate to what has happened from when they took over but all

the relevant data such as statements and default notices are still retained by the OC.

Link to post
Share on other sites

Std letter it depends on the terms of the assignment but AG are obliged to aquire the document from the OC.

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:

Link to post
Share on other sites

Std letter it depends on the terms of the assignment but AG are obliged to aquire the document from the OC.

 

Thanks everyone.

 

So would you agree it is best to hold to to see what AG comes back with?

Link to post
Share on other sites

  • 1 month later...

Not paying a penny!!!

 

Dear Arrow Global as you have now confirmed that no regulated agreement for the alleged debt exists I consider the matter closed and no further correspondenc will be entered into.

 

Final Response

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:

Link to post
Share on other sites

Not paying a penny!!!

 

Dear Arrow Global as you have now confirmed that no regulated agreement for the alleged debt exists I consider the matter closed and no further correspondenc will be entered into.

 

Final Response

 

Thanks Brigadier

 

Would I be quite in assuming nothing further has to be done (eg acknowledgement of letter or anything)?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...