Jump to content


  • Tweets

  • Posts

    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
  • Recommended Topics

  • Our picks

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

my MBNA debt been through every DCA in the book - now link chasing


ncm-000
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3841 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 153
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I am really surprised that no one else has picked up on this.

 

Arrow Global Guernsey Ltd

Registered Office: Flat 5, 241 Dickenson Road, Manchester, M13 0YW

Director Mohammad Afzal-6 September 2012

 

This is a flat in a run-down house in a down rent part of Manchester.

--------

http://www.arrowglobal.co.uk

"Arrow Global has 3.8 million customer accounts and £7 billion under management"

Our team

 

Following the buyout in January 2009, Arrow Global is now owned jointly by the RBS Special Opportunities Fund and management.

 

Sir George Mathewson - Chairman

 

Tom Drury - Chief Executive Officer

 

Zachary Lewy - Founder and Executive Director

 

Andrew Birkwood - Chief Investment Officer

 

Stewart Hamilton - General Counsel and Company Secretary

 

Georgina Hayes - Director of Systems and Compliance

 

Ruth Kellett - Head of Implementation

 

Ian Madej - Commercial Director

 

Colin McMahon - Head of Performance Management

 

Robert Memmott - Chief Financial Officer

 

Antony Rudkin - Head of Analytics

 

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

 

This does not make sense

Link to post
Share on other sites

12 Booth Street Manchester

Registered Office is in London I know for sure, just going to find it.

 

20-22 Bedford Row

London WC1

 

Parent is based in Guernsey.

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

People seem to be missing the point.

Arrow Global Guernsey Ltd Registered Office:

Is a flat in a run-down house in a down rent part of Manchester.

 

What has this got to do with a £7 Billion company :???::???::???:

Link to post
Share on other sites

People seem to be missing the point.

Arrow Global Guernsey Ltd Registered Office:

Is a flat in a run-down house in a down rent part of Manchester.

 

What has this got to do with a £7 Billion company :???::???::???:

See my post 10# addresses from mail have on file!!

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

So what about

Arrow Global Guernsey Ltd

Registered Office: Flat 5, 241 Dickenson Road, Manchester, M13 0YW

Director Mohammad Afzal-6 September 2012

 

There is no mention of a registered office in London according to Companies House.

Link to post
Share on other sites

As I said a the top of the thread

I received an NoA from Arrow Global Guernsey Ltd

Registered Office

La Plaiderie House,

La Plaiderie,

St Peter Port, Guernsey.

GY1 1WG

A company incorporated in Guernsey (No 49547)

 

http://www.guernseyregistry.com/article/4928/November-2011

09/11/11 Arrow Global Debt No.4 Limited 49545 Changed to: Arrow Global Guernsey Management Limited 23/11/11

Searching on "49547" found approximately 0 results - Page 1 of 1

Searching on "La Plaiderie House" found approximately 0 results - Page 1 of 1

 

So according to Guernsey Registry

Arrow Global Guernsey Ltd does not exist.

Company No 49547 does not exist.

No company has registered offices at La Plaiderie House

 

Tons of stuff for Arrow Global .... at Bedford Row but no legal tie in to Arrow Global Guernsey Ltd

Link to post
Share on other sites

AG Guernsey is a Debt Purchase Company and uses the UK company to deal with UK debt as they are entitled to do.

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

There does not need to be any 'tie up'' between Guernsey and the UK separate Ltd. Company, the Guernsey debt purchaser assigns account to the UK Ltd Company.

All this will get you nowhere I'm afraid.

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

AG Guernsey is a Debt Purchase Company and uses the UK company to deal with UK debt as they are entitled to do.

 

 

See above they are NOT registered. the information on their headed note paper is untrue

 

UPDATE

 

There appears to be a glitch in the Guernsey Companies registry web system

 

If one checks by http://www.guernseyregistry.com/ nothing is found.

 

However, if one uses https://www.greg.gg/webCompSearch.aspx everything is foun and is OK.

Edited by ncm-000
Link to post
Share on other sites

There does not need to be any 'tie up'' between Guernsey and the UK separate Ltd. Company, the Guernsey debt purchaser assigns account to the UK Ltd Company.

All this will get you nowhere I'm afraid.

 

The NoA came from the Guernsey 'company'. Nothing from the UK company just from a bunch of DCAs.

Link to post
Share on other sites

Arrow Global Receivables Management Ltd

Reg. No.0587256

Incorporated 13/07/2006

20-22 Bedford Row

London WC1 4JS

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

Might i ask a question for clarification on this for my own research from informed members

 

If an account has been assigned, say to a company called xyz recoveries based in Timbuktu from Barclays as an example. I take it that debt has been assigned under LOP Act 1925

 

Now xyz recoveries assigns the rights and duties to xyz international registered in London, now xyz international is a totally different company to xyz recoveries, under what statutory or international law can the assignment of those writes and duties be valid. The assignemt cannot be subject to UK law as the assignment was made in Timbuktu

 

I really do not know the answer to this question so will be interesting if anyone can give a logical concise answer without hearsay or malice

Link to post
Share on other sites

the Guernsey debt purchaser assigns account to the UK Ltd Company.

.

I have had no notification of this and the DCAs, say they are working on behalf of Arrow Global Guernsey Ltd NOT the UK company

Link to post
Share on other sites

Assignment may not mean sale, debts can be assigned to be managed or collected by a 3rd party at any time and anywhere.

Debt is a ''commodity'' an asset of a debt purchaser to do with as they please, if they were selling bulk quantities of any commodity

it is no different.

Often we see debts assigned to a UK company from European Companies and certainly it happens the other way to.

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

I have been in contact with Manchester trading standards and found the following information.

 

Arrow Global Guernsey Ltd, UK Company No 08200522

Registered Office: Flat 5, 241 Dickenson Road, Manchester, M13 0YW

Director Mohammad Afzal-6 September 2012

 

Is NOTHING to do with

Arrow Global Guernsey Ltd, Guernsey Company No 49547

La Plaiderie House,

La Plaiderie,

St Peter Port, Guernsey.

GY1 1WG

----

From http://www2.crw.gov.uk/pr/default.aspx CCA Licence details

 

Application / Licence Details

 

 

 

Licence Number:0622921

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Arrow Global Guernsey Limited49547

 

Categories:

 

Consumer credit Credit brokerage Debt administration Debt collecting

 

Right To Canvass Off Trade Premises:Yes

 

 

Trading Name(s) (Current):

 

Arrow Arrow Global

 

Issued Date: 24-Nov-2008

Date Maintenance Payment Due: 23-Nov-2013

 

 

Legal Formation:

 

Body Corporate (incorporated outside UK)

 

Authorised To Receive Documents:

 

Name Matthew Cole

 

Current Individuals that run the organisation:

 

NamePosition David John Sullivan Mark Helyar Wayne Bulpitt

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddress Accept Notices/DocumentsBelvedere, 12, Booth Street, Manchester, M2 4AW Principal Place Of BusinessLa Plaiderie Chambers, La Bcaiberie, St. Peter Port, GUERNSEY, GY1 1NG, United Kingdom Registered OfficeLa Plaiderie Chambers, La Plaiderie, St. Peter Port, GUERNSEY, GY1 1WG, United Kingdom

 

Historic Address(es):

 

Address TypeAddress Principal Place Of BusinessLa Plaiderie Chambers, La Plaiderie, St. Peter Port, GUERNSEY, GY1 1WG, United Kingdom

 

I have therefore written to

Matthew Cole

Belvedere,

12 Booth Street,

Manchester,

M2 4AW

Link to post
Share on other sites

Might i ask a question for clarification on this for my own research from informed members

 

If an account has been assigned, say to a company called xyz recoveries based in Timbuktu from Barclays as an example. I take it that debt has been assigned under LOP Act 1925

 

Now xyz recoveries assigns the rights and duties to xyz international registered in London, now xyz international is a totally different company to xyz recoveries, under what statutory or international law can the assignment of those writes and duties be valid. The assignemt cannot be subject to UK law as the assignment was made in Timbuktu

 

I really do not know the answer to this question so will be interesting if anyone can give a logical concise answer without hearsay or malice

 

 

 

Choice of law?

Link to post
Share on other sites

In general such an assignment would not be absolute, some organisations that I deal with assign a UK debt collector to manage accounts in the UK.

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

  • 2 weeks later...

ive just got a correspondence from them, saying the registered name of Wescot spv ltd is changing to arrow global. im unaware of any debt with wescot if im honest, then its mentioning moorcroft further down as to who to direct payment too!"

very confused!

:-x

Link to post
Share on other sites

Yes this has happened Wescot are now part of Arrow Global they have appointed Moorcroft to ''manage'' a lot of accounts.

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

  • 5 months later...

Many moons ago - long before I knew of CAG

 

I was trying to negotiate with a DCA and wrote the following

 

" I am still preparied to negotiate with you and offer the same repayment rate offered by Mr X of XYZ Plc in his letter of last year,

that being £70 per month."

 

The original offer was made by the original credit card company and sent in August 2008,

the fragment above was sent in May 2009.

 

If it does then is the SB date reset to May 2015 or does it remain May 2014, 6 years from when the CC company defaulted the debt

Edited by ncm-000
changed SD to SB
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...