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    • I know now, but always thought that if the transaction was excepted by card only way a customer could get a refund is by taking the goods back to get their money back 
    • Hello  Please help, as today I received a letter re. debt recovery.  Is there anything I can do at this stage? The driver fell foul of the confusing car parking situation re. Starbucks and McDonald's. 1 Date of the infringement 13/02/24 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 5/3/24 3 Date received 7/3/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? CCTV photos 6 Have you appealed? [Y/N?] post up your appeal] N Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? MET Parking Services 8. Where exactly [carpark name and town] Southgate Park, Stansted For either option, does it say which appeals body they operate under. IAS   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE If you have received any other correspondence, please mention it here  Final reminder on 9/4/24 & Debt Recovery letter dated 30/4/24 In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY Parking charge (1).pdf
    • Yes I can imagine that kind of thing rankles a lot. I don't know what the timescale is for making chargeback claims. I suggest that you find out and then change your way working so that you keep records at least until then. It may be six months
    • no need to use @username just type. please fill out the sticky  as it asks  dx    
    • It was more the principle of this matter the customer has made no attempt to return the products purchased nor have I had no prof of anything & i have had to try & prove the sale which was paid for by the customers phone at the till. Only keep them till I check if the settlements tally up with the bank. Just think its a way of being scammed & the banks are helping them in a way 
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Student loan from Sallie Mae, now by Drydensfairfax solicitors


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sar or CCA sent?

 

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... 

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CCA is 12+2 BB

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

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This is the sort of thing that probably sits in their office churning out threats. It makes them happy.

 

[ATTACH=CONFIG]46083[/ATTACH]

"Join our Campaign for Change and help drive the industry forward." ~ Rossendales

 

Yeah I'll help you drive the industry forward. Forward off Beachy Head! ~ Me

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time to send the failure to comply letter then

 

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... 

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Share on other sites

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... 

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  • 3 weeks later...

Hi Guys, here is an update on the situation

 

after sending a 'failure to comply' letter to both 'ARROW GLOBAL' and 'DRYDENSFAIRFAX'.

 

After not hearing anything from both after sending a CCA to both of the said companies the Failure letters have now created a response.

 

I received two letters for each account (The study loan was split into two). One of the letters had my postal order for one pound attached to it. Here is what the letter states:

 

 

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

 

We thank you for your recent letter 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 not 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 return the payment of £1.00

 

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

 

 

I am not going to start celebrating yet as I am not sure what to make of this latest development.

 

Any help would be massively appreciated.

 

What do you think the next course of action should be?

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wait .

 

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... 

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Yep. THey dont have the paperwork. You called their bluff, so they are going to either create some documents, or sell the debt on.

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

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Ahh so they are buying themselves a bit of time.

 

 

What kind of documents could they create themselves?

 

 

Would I have to send CCA's to the potentially new people who the debt is sold on to?

 

I am kind of happy that their bluff was called.

 

 

I thank the good people of this forum for the help and advice!

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A 'Reconstituted' agreement can be produced to satisfy a section 77/78 request under the CCA 1974:

 

This must have: Your name and address at the start of the agreement, the creditors name and address at start.

All Ts & Cs from start to closure and all amendments made during the life of the agreement.

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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  • 4 weeks later...

Hello

 

quick update. I received a letter on the 10/10/13 from ARROW GLOBAL LIMITED

 

------------------------------------------------------------------

 

Dear Mr

 

 

DEBT OWED TO Arrow Global Limited

ASSIGNED BY Sallie Mae (ACCOUNT NUMBER ********)

 

 

We thank you for your letter dated 17/09/2013 and note the content.

 

We have acknowledged your request for documentation pursuant to the Consumer Credit Act 1974 in our letter dated 18/09/2013.

 

As previously advised we do not accept that we are the creditor as envisaged by the above statute and therefore are not obligated to provide you with the documentation you require within a limit of 12 days.

 

We are, however, willing to assist in obtaining that which had been requested and have contacted the originating creditor to process your request for documentation. We will revert in due course.

 

Please be advised that your account is on hold and we can confirm that all collection activity has been suspended pending provision of the documents.

 

We trust this is satisfactory to your requirements.

 

 

Yours Sincerely.

 

 

---------------------------------------------------------------------------------

 

 

Is this a stalling tactic? Are they still trying to get the original documentation?

 

Many thanks

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Sit and wait, keep all documents. Nothing for you to do at this point.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • 3 months later...

Hi Guys, I hope all is well and you have a splendid xmas and new year. Many thanks for all your help and advise in 2013.

 

I have now received a nice colourful letter from 'ARROW GLOBAL' with a bit 'Notice of Sums in Arrears' and it reads

 

---------------------------------------------------------------------------------

 

Dear Mr

 

We are writing to you because your account is defaulted, and Arrow Global Limited is obliged by law to send you a Notice of Sums in Arrears at least every six months, even if you are making regular payments. As your account is defaulted, the full balance is owed to Arrow Global Limited. Please find below your Notice for the period of 1st June 2013 to November 2013.

 

All payments and correspondence regarding your account should be directed to DrydensFairfax Solicitors who are managing your account on behalf of Arrow Global Limited.

 

---------------------------------------------------------------------------------

 

It then goes to show different coloured boxes with different amounts and information in them.

 

This is the only correspondence I have had for a while after I send them the templates you provided for me. There is no final demands or anything of that regard so I do not think I should worry about this letter. I have not received a letter of this nature before.

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its as they say

 

they believe they are the creditor

 

they must send it

 

keep it safe

 

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... 

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Share on other sites

They have to send that notice every six months in accordance with the Consumer Credit Act. If they fail to do so the debt would become unenforceable until they do. In addition, they wouldn't be able to charge interest whilst they are in default of doing so. All that said, I would follow Dx's advice and await the credit agreement. If they have it. Which I doubt.

 

And regardless of what they say, they should be sending you that info - as it's likely they are 'the creditor' as per Crutchely v Go Debt [2009] and paras 2.4 to 2.7 of the OFT Guidance.

 

In short, they're trying to lead you on.

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