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Sainsbury loan/Arrow Global/Wescot/DrysdenFairfax


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  • 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

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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.

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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.

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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?

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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.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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.

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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?

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  • 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

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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.

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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:

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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?

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  • 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:

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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)?

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