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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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.
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HSBC **WON**


Angel104
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Has anyone had dealings with Arrow Global only I received a letter of assignment from them today saying the FV-1 has assigned all of its prospective rights to them. Now I was being chased by FV-1 over an HSBC debt and in the end they wrote saying they had closed their file. Furthermore the address for payment is NCO Europe. I don't quite understand what is going on here who are NCO? Are they and Arrow Global the same company.

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how old is this debt?

 

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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The debt is about 4 years old. I am confused by the fact that it has been assigned to Arrow Global by FV-1 because the first letter I ever got about this was from Global debt recovery. I have never had a letter from anyone saying that they bought the debt so how can 1 DCA assign it to another and who exactly are FV-1.

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just a smokescreen to try and confuse you into paying.

phishing list debt me thinks

 

when was YOUR last financial in/out and what is the debt?

 

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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there are no rules that govern this, they can try any trick they like to make you pay.........

 

now this o/d was it yours or made up of charges and when was the last time you paid the loan and did you sign a cca?

 

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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obv phishing trip then.

 

can i just ask additionally if you can remember if the OD was largely made up of bank charges, i bet it was as that would go with the way things have evolved on this debt.

 

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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you are hanging on this point too much

 

prob find they are the same dca just using a diff letterhead, i seem to remember something about these two before

 

just trying to con you.

 

get reclaiming.hit 'em where it hurts

 

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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Arrow Global have obviously purchased a portfolio of old debts from NCO Europe. I've recently had the same letter as you.

 

I did a lot of digging around (as was/is my style with DCA's) years ago when my debt was first assigned to FV-1. FV-1 are just another arm of NCO Europe, much the same as FIRE is with Cabot. Anyway, I got FV-1/NCO off my case with a CCA and a few well worded letters. My 'debt' became SB in February of this year.

 

Even though I'm a seasoned campaigner with DCA's I remain a tad confused with the fact that all future payments and correspondence should be directed to NCO Europe. I've written NCO a strongly worded letter basically telling them to P off and warned them to stop writing or else. Rather than send anything to the PO Box address they give, I sent my recorded letter to the correct address which is: NCO Europe, Old Docks House, 90 Watery Lane, Ashton on Ribble, Preston, PR2 1AU. In addition, I CC'd the company secretary of Arrow Global at their address in WC1 (London).

Just hate every DCA out there

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  • 3 months later...

A few months ago I had arrow global chasing me for an alledged HSBC debt and at the moment the account is in dispute because they have not complied with my cca request. Now I have had a letter from westcot demanding money for the same debt and saying their client is arrow global.

 

I have had no letter of assignment from either arrow global or westcot so should I write to westcot and query their legality to collect this debt.

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A few months ago I had arrow global chasing me for an alledged HSBC debt and at the moment the account is in dispute because they have not complied with my cca request. Now I have had a letter from westcot demanding money for the same debt and saying their client is arrow global.

 

I have had no letter of assignment from either arrow global or westcot so should I write to westcot and query their legality to collect this debt.

 

Hi Angel

Just send Wescot this . . http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

Amend it to suit and let them do the rest

Regards

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

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

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Hi Angel

 

And I also favour:

 

Consumer Credit Directive 2010 (this is law now):

 

"16. ASSIGNMENT OF RIGHTS

16.1 W

here any rights of a creditor under a consumer credit agreement (for example the right to be repaid the money) are sold or transferred to a third party, notice of that assignment must be given to the borrower as soon as reasonably possible, except in the circumstances described below. This requirement applies to all regulated consumer credit agreements other than agreements secured on land. This requirement is in new section 82A of the CCA43.

16.2 I

t is the responsibility of the assignee (the creditor acquiring the rights) to ensure that notice is given. However, he does not have to give notice himself, but can agree with the assignor (the creditor assigning the rights) that the assignor will give notice instead, depending on what is more sensible in the circumstances. It is important, however, that notice is given as soon as reasonably possible and in a way that is clearly understandable by the borrower.

16.3 N

otice does not have to be given where arrangements for servicing the credit are unchanged as far as the borrower is concerned. For example, if Creditor A sells his rights under a credit agreement to Creditor B but Creditor A still collects the borrower’s repayments in the same way and is the only point of contact for the borrower on matters regarding the agreement, notice does not have to be given.

16.4 W

here notice has not been given, and arrangements for servicing the credit do subsequently change, the borrower must be informed of the assignment on or before the date that change happens. Again, this must be readily comprehensible to the borrower.

16.5 T

he definition of “creditor” in section 189 of the CCA applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.

43 Regulation 36 of the EU Directive Regulations.

71"

http://www.bis.gov.uk/assets/biscore...e-guidance.pdf

 

 

Although nobody else seems to?

 

x

 

v

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  • 1 month later...

I was being chased by westcot over an alledged HSBC debt I had received no letter of assignment so I wrote to westcot and told them that I did not think that they were legally entitled to collect the debt. This morning they wrote and said they have closed their file.

 

If only cabot were that easy to get rid of.

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Nice one Angel.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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