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    • Notice how Kev goes about his scam.  In Kahunaburger's case they left the car park well before the time shown on the ticket they had purchased.  But because Kev added on the time taken to look for a parking spot and queue to pay/try to get an internet signal he still sent them an invoice. So If you had left before the Justpark message, say at 3:55, Kev would still have managed to turn that into a stay of 4:06 and thus an overstay and an invoice. Unfortunately for Kev, judges have ruled against his reasoning.  Have a read of this famous case  http://parking-prankster.blogspot.com/2014/03/waiting-for-space-is-not-parking.html  
    • Its okay - It happens. And this is why DCAs  user every trick in the book to try and make you crack.  Now its time to come back.    Im not sure how to proceed if Im honest if they have issued a Letter Of Claim.  Only as You could complain to Oakbrook and they still proceed with Legal Proceedings, but I dont know if that would help or hinder the legal proceedings if they began down that avenue.  I know a FOS complaint wouldnt stop Legal Action and probably run along side it.  But I guess a judge would view a disputed balance with the original creditor as cause for concern whether the DCA's claim is valid?    A bit of a muddle.     
    • That is superb. To answer your question - Dear Mr Dhaliwal Change the sentence - As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us ... To - As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us contrary to the Equality Act 2010. Iceland have always been useless, not only in your case but in others, but I think if they realise they are breaking the law it will encourage them to act. I also think the letter is overlong and you could lose the paragraph - I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge - as the main points are made elsewhere.  
    • Hands up in the fact that i have probably F***** *P!!
    • Car Finance Awards celebrates best of the industryView the full article
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    • 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.

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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.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Arrow now got merged Midland bank debt from 1997!!


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Do you know if there was any payment protection insurance on the flexiloan

Do you know if there were any charges applied to the account ?

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 3 weeks later...

Sorry I have not replied to these posts but I didn't realise there were any fresh ones and I was waiting for the next salvo from Rockwell which arrived on Saturday.

(two and a half weeks after the last one which threatened "immediate action" if not replied to within ten days).

 

citizenB, I don't think there was any protection plan on the loan and I have no idea about any charges, all I have is a final bank statement that closes the Flexiloan account and just says "transferred". which when I added the amount of that onto the other account (overdraft), it came to the total amount of the original debt.

 

I am seriously thinking of following your advice on the letter, but I will have to think hard as I am not very good at that sort of thing.

 

This is the latest letter I received from Rockwell,

 

"Following our previous correspondence we have been trying to contact you to resolve the matter of your outstanding debt.

 

We have been asked to consider your individual circumstances and to find the best possible way forward for both you and our client.

 

So long as we are managing your case for Arrow Global Limited we can guarantee you that, in respect ofthis particular debt:

 

No debt collectors will visit your home

You will not be subject to any legal action, or incur legal fees or costs

No interest will be applied to your outstanding balance

 

However, to continue managing your case, we must show our client that we are in contact with you and that we are working together to find a resolution

 

If our client takes your case back from us, they may then consider the options available to them to recover the amount owed; these options may include those detailed above.

 

Time is of the essence, so to avoid such action please call us right away. lf you would prefer us to call you then please email or write to us with your phone number, making sure you include your reference number as stated at the top of this letter.

 

Yours sincerely,

Collections Manager

ROCKWELL DEBT COLLECTION AGENCY ."

 

Calls may be monitored or recorded

 

ROCKWELL DEBT COLLECTION AGENCY is a trading name of Tessera Credit Group LLP

Registered Address 5th Floor Maitland House, Warrior Square, Southend-on~Sea, Essex, SS1 2JS Q

Registered in England

Authorised and regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (amended 2006)

 

I must admit it is a lot milder than I expected and now I wonder if I should again wait and see what happens as it looks like if they don't get a reply they will hand it back to Arrow and then if I get a threat from Arrow I could then send a prove it letter, which I suspect from what I have been advised here will cause them some problems. As I said before, I had never heard of Arrow before the first letter arrived some weeks ago.

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std begging letter

 

let it run

 

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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I think that you need to get that letter off to HSBC and personally I would copy in Rockwell and AG. If you need help drafting the actual letter I am sure it will be forthcoming but CitB has pretty much done it for you , all you need is to add the dates in and tidy up the ending .

 

As for the letter from Rockwells, lovely isn't it with that not so thinly veiled threat (we are very nice but if it has to go back to those nasty people at AG who knows what awful things might happen) . Remember this is how these people work, lie, twist, abuse, cause worry and of course lie.

Any opinion I give is from personal experience .

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  • 4 weeks later...

I have just received this Rockwell letter today after the last one saying they might hand it back to Arrow Global

 

We have been trying to contact you to discuss the matter of your outstanding account with Arrow Global Limited.

 

As we have previously advised we want to work with you to find a resolution that is both fair and affordable for you.

lf we have not spoken to you, your account may be passed to our specialist recovery agents, Fenton Cooper.

 

We understand you may be experiencing financial difficulties and we would encourage you to contact us so we can

discuss the options available to you. Please call us on 01903327004 or write to us at the address above. We can call

you back at a time that is convenient to you. Please ensure you quote your reference number in all

correspondence.

 

One of the options that may be available is a discounted settlement. We may be able to negotiate with Arrow Global

Limited on your behalf to reduce the balance owed. If you are in a position to make a settlement payment your

credit file will be updated to reflect it has been partially satisfied and you will no longer be pursued for the

remaining balance.

 

We know you may not be in a position to repay a discounted balance, however if your circumstances change in the

future and you would like to discuss settlement options, please callus on the number above. If you would prefer to

discuss payment solutions or simply speak to someone about your account we are here to help.

 

Our aim is to help you clear your balance in a way that is affordable and works for you. We do not encourage further

borrowing at high interest rates, such as Payday loans or credit cards to repay your balance. Furthermore we

would not want you to be in a position where the repayment of this account leaves you unable to pay your priority

debts or bills.

 

Yours sincerely,

Karen Faulkner

Collections Manager

ROCKWELL D BT COLLECTION AGENCY

Calls may be monitored or recorded y

ROCKWELL DEBT COLLECTION AGENCY is a trading name of Tessera Credit Group LLP

Registered Address 5th Floor Mailland House, Warrior Square, Southend-on-Sea, Essex, SS1 2JS

Registered in England No.OC376978 cs

Authorised and regulated by the Financial Conduct Authority for accounts formed under the Consumer

Credit Act 1974 (amended 2006) i J‘ g

 

 

They now threaten me with their "specialist recovery agents" Fenton Cooper.

 

My question is this: Do I again ignore it and wait to see if I get contacted by Fenton Cooper and if so, send them a prove it letter, or do I now send a prove it letter to Rockwell.

 

Any input would be gratefully received, it doesn't look as though they are going to go away even though I haven't so far acknowledged any of their communications!

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pers i'd ignore them now

 

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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Standard garbage from Rockwell if you do not reply with a payment then you have not contacted them (letters and call from you with no money are ignored) then the computer spits out the next letter in the series. If you are with them long enough you will start to get the original letter from them again.

 

 

dpick

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  • 2 months later...
  • 1 year later...

Just got a new letter today from a company called "Capquest"

(referring to the Arrow Global account that Moorcroft stiill occasionally send a letter about)

 

assuring me that if I get in touch they are very caring and considerate and experts in their field, and would very much like to help me come to a satisfactory payment plan.

 

So now I've had Moorcroft, Rockwell, now these, all after the same account which is supposedly an Arrow Global a/c who I have never had an account with.

 

It must date back to the original Midland account that I started this thread with, but as I said I have no Idea how Arrow became involved some 12 or more years after the Midland a/c was closed.

 

Just wondered if anyone knew of this new lot Capquest.

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Prob just inherited the lemon debt on a bought phishing list

 

Ignore

 

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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