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    • Para 4, ICO technical  guidance on the filing  of defaults at CRAs   4 It is an accepted industry standard to record only serious ‘defaults’ with credit reference agencies. The term ‘default’ on credit reference files is used to refer to the situation when the relationship between the lender and borrower has broken down. A record showing a series of payments as six months in arrears when this does not reflect the real payment history should not be used as an equivalent of a default. Where a code is used to describe a default or variation in payment, it should always be accompanied by an explanation in plain and intelligible terms which informs the reader of its meaning. 
    • I read this morning that ‘a cabinet minister’ has complained that over 70s are being contacted before all over 80s have been vaccinated.  It’s beyond all sense to me that a vaccination programme should be slowed or halted for any reason except safety.  I accept there’s a pecking order and we’d like to adhere to some notion of fairness where possible but this is a pure numbers game surely.
    • Even if a county court case is issued against you and you loose if you pay within 28 days it dont go on your credit file and also its cheaper to go to court becasue the £60 is never allowed so it would be £200 if you loose £230 if you dont go to court.
    • The government is being scrutinised over trade deals with countries with poor human rights records? View the full article
    • Just to update this thread , I have got another email regarding the the SAR request, This time from the general VM webteam email address, It's got the same GDPR reference number  This time the cheeky sods say Thanks for getting in touch with us about your Data Subject Rights Request, which we received on 18th January 2021     They seem to be moving the goalposts on the time line . I'm thinking of ignoring this email and wait till the time runs out on the 28th.    Thanks    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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


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More often Fredrickson International and Bryan Carter.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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

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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.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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 :???::???::???:

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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!!

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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.

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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

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Then report to Guernsey Trading Standards or financial services people. In the meanwhile fire off the usual denial letter and demand to know what authority they have to chase anything..

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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
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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.

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Arrow Global Receivables Management Ltd

Reg. No.0587256

Incorporated 13/07/2006

20-22 Bedford Row

London WC1 4JS

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Then that's what you expect NOA from the debt purchaser.

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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

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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

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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.

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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

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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?

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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.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 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

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

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  • 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
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