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    • Hi I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof? 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No    Have you had a response?  n/a 7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice'  
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
    • Evening all,   So today, I was sent an updated offer that includes the £12.60 I spent on letters, but they have declined to add the interest at £7.40. They have stating 'We acknowledge your request to claim interest to date, however, this would be at the discretion of a trial judge if the claim did proceed to a trial hearing.' I think I am content with this outcome, and pushing this to a trial for a total interest of £15.30 throughout the claim does not make sense to me.   What are people's thoughts? I am sure our courts have better things to concentrate on?
    • FFRSG3424ListofEvidencepdf-V1 2-merged.pdfFFRSG3424ListofEvidencepdf-V1 2-merged.pdf 2pages T&C,s UCM
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    • 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.

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Arrow Global


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I am pretty much housebound due to mental and physical illness.

 

Arrow are requesting that I instruct my health professional to provide them with details and that I sign a release for them to access sensitive information.

 

Is it safe to allow these people access to very sensitive information?

 

We haven't shared the details of my issues beyond immediate family, ex-employer, the benefits officers and Citizens Advice Bureau and my care team to date.

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A DCA has no rights to your personal information, only a Judge can legally access both your personal financial position and health records.

 

You tell Arrow how much you pay them, not the other way round, if your on Benefits then it is £1 per calender month and NO MORE, this is all that would be awarded if it ever went to Court.

 

Does Arrow own the debt or collecting on behalf of a Creditor?

 

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Thank you for the reply. Much appreciated

 

They have bought the debt c £3k Mint card. I did have debts totalling over 100K if you include the mortgage. We had several CCJ's and my health plummeted. We sold our property and made pro rata offers to all creditors from the funds from the sale. All but 2 accepted and the funds were dispersed amongst those that accepted. We had nothing left in the bank and no house or car. One of the creditors has continued to receive £5 per month on a £3500 debt through a CCJ and this other debt has been in limbo with Arrow for 3 years. Suddenly they are being active in their chasing. We are in rented social housing and I have a motability car from my disability. My wife gave up her job to be my carer and receives carers allowance and income support. I receive DLA and EESA.

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The debt that Arrow are chasing is not the subject of a CCJ?

 

What is the debt for? Credit Card/Bank Loan/Account etc.

When was the last payment made?

 

 

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

 

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Last payment was 7 yrs ago but letters has been exchanged every year. This debt has had more owners than David Beckham. RBS (Mint) Visa Card. Court action has been threatened several times by successive DCAs but not yet been carried out.

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Last payment was 7 yrs ago

 

Then this debt is Statute Barred, if no payment or written acknowledgement has been made within a clear 6 year period.

 

Send Arrow the following letter... http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

Send via recorded delivery and keep not only a receipt but a print off the delivery from the Royal Mail Track & Trace website.

 

Stigman

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

 

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I think the key words are written acknowledgement?

 

I have never denied the debt and made numerous written proposals to pay.

 

Is the debt still listed on your Credit File?

 

I would personally still send the Statute Barred letter and see what they come back with, some DCA's are excellent at keeping paperwork, others just throw them straight into the bin which is why they have only ever sent you threatograms and you have never been involved in the fantastic game of DCA letter tennis.

 

For the reference of your Credit File, Experian and Equifax both offer 30 day free trials but please remember to either download or print a copy of your Credit Report and then cancel within the 30 calender days or your card will be charged up to £14.99 per calender month.

 

Noddle is free for life, it is part of Call Credit which is the third least used of the CRA's and is less correct than the other two listed above.

 

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NEVER telephone a DCA

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

 

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In the exchange of letters have you acknowledged this debt by offering payment or explicitly admitting liability?

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There are dozens of letters too and fro. Whilst I have never specifically said "yes I hold my hands up thats my debt" I have sent numerous budgets, settlement proposals / monthly payment offers to the string of DCA's plus CCA requests each time the debt has jumped to the next DCA.

 

I'm beginning to think I have a far better dossier on this matter than any of the DCA's in the chain which include:

 

AIC

Intrum Justitia

Wescot

Nelson Guest and Partners

Moorcroft

Home Collection Services

Apex

Wescot (again)

Arrow

 

I've even asked Arrow to progress to CCJ as I would rather talk to a Judge than these people.

 

Collection is currently on a 28day hold while they pursue my medical records.

 

Sorry if this is all a little garbled as the whole process has me stressed and confused. ... but your help is invaluable

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No problems I would like to read through all this again to see what can be done and get back to you tomorrow.

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My take on this is that it is statute barred, but I have reservations regarding the letters that have been ''exchanged'' over the years, did they unequivocally acknowledge liability for the debt?

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I cant argue an account is statute barred when I have tried to negotiate in the past surely?

 

They are still insisting on access to my medical information or medical practitioner.

 

Also the same debt is being simultaneously persued by Wescot. Surely they cant do that ?

 

I am losing sleep over this ... just when I'm getting my life back on track :(

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Were these ''negotiations'' conducted in writting?

 

No one or the other should be chasing it breaches OFT Guidance Section 3.7 ©'' Multiple businesses seek to recover the sam debt at the same time.'' can amount to harassment.

 

You can try this to the Compliance Manager at Arrow Global and Westcott.

 

Ref: use theirs.

 

Medical Records.

 

I refer to your demands for my medical to be provided and or contact with my medical advisors, such clinical data will NOT be provided to a company such as Arrow

Global as there is serious doubt that it would be treated confidentially and in accordance with the Data Protection Act 1998, therefore your demand is denied.

 

I have made clear my state of health which is now being seriously affected by the constant harassment my Arrow Global and its assigned agents Westcott, this breaches the OFT Guidance 2003/2012 Section 3.7 ©. ''Physical/ Psychological Harassment. ''Using Multiple Businesses to recover the same debt at the same time'',

you may choose to argue this but it is clear that Arrow Global and Westcott are pursuing this at the same time.

 

I suggest that you should recall the files on this from Westcott as I will not deal with them any further.

 

Ok?

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1st of all thes **** bags have no right t access your medical file tell them point blank to **** off, if they threaten any further complain to the trading stanards they tried that crap with me I got compo

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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