Jump to content


  • Tweets

  • Posts

  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
leongot

Arrow/Drydens got CCJ on sainsbury's Credit Card 'debt'

style="text-align:center;"> Please note that this topic has not had any new posts for the last 836 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi everyone at CAG

 

I received a claim form from Dryden’s Fairfax solicitors acting for a collection agency called arrow ltd

 

the letter dated 10th October about a credit card I had with Sainsbury’s bank I took out in 1998,

 

I took the claim form to the CAB on 4th November to help me,

the CAB contacted the court and was told no judgement had been made yet by Dryden’s,

 

CAB rang Dryden’s and spoke to them and told them I wanted to send the admission form and set up a monthly payment,

but I said all correspondence must be done only by letter,

 

the person who was speaking to CAB on the phone asked us to wait and she will speak to her supervisor,

she came back on the phone and said they were pushing the CCJ through to which CAB was surprised,

I received a CCJ a week later.

 

I had been keeping up my payments with Sainsbury’s until I got into difficulties in 2008

and asked to pay less and agreed a plan with them,

 

I fell into more difficulties and asked to make a lower payment

 

I was told by Sainsbury’s my debt was being passed to a debt collection service,

 

I protested at this because I said the debt was between me and Sainsbury’s to which I was told the interest would be frozen by using a debt agency.

 

I cannot remember receiving a default letter at all, but I was moving around a lot,

 

I set up payment plans with debt collection agencies when they had contacted me.

 

I found out my debt had been sold on a couple of times,

I made most of my payments by debit card,

some payments were made at banks across the counter,

two payments were missing on the statement I saw (because yet again my debt had been sold to another agency)

I have one receipt I found.

 

I stopped paying because I fell ill and was trying to claim benefits and

the lovely pips (which I got a year later), I do think I paid ppi in the early part off having a credit card with Sainsbury’s.

 

Any advice would be much welcomed please.

Share this post


Link to post
Share on other sites

so you got a CCJ by default because you did not defend it.?

 

bad advice from CAB there if its true.

 

when did you get the judgement through then?

 

if the claimform was dated 4th Nov.

 

I doubt it been adjudged yet [33 days]

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

ah sorry 10th October claimform

and you admitted the debt

so you would have gotten an automatic CCJ

 

so what is you issue now please?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites
ah sorry 10th October claimform

and you admitted the debt

so you would have gotten an automatic CCJ

 

so what is you issue now please?

 

Hi there so so sorry I for got to put a bullet point,

 

If I was to fill a sar out who do I send it to,

 

Sainsbury's bank or drydens fairfax or arrow.

 

Would a sar be the right form to start with.

 

Yes i do owe the money, but Considering I kept up payments since 1998 till 2008

I explained to Sainsbury's my dad died in 2007 and left a boat for me to look after which was his home,

so I had a mortgage and moorings and the credit crunch to compete with,

I expected to be treated better.

Share this post


Link to post
Share on other sites

sar would goto sainbury's

however that'll only be useful if theres stuff to reclaim

like penalty charges and/or PPI?

 

not sure if theres anything you can do about the CCJ mind.

 

you admitted the debt.

 

its typical that if the OC sold a debt on

theres stuff to reclaim

or theres dodgy or no paperwork flying around

 

but now the CCJ is in-place that trumps any paperwork issue

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

hi

dx100uk many thanks for your advice, so sorry for taking so long to get back, you said about CAB being bad advice from CAB (bad advice from CAB there if its true) what did you mean by that, I thought it was a good place for advice.

Share this post


Link to post
Share on other sites

cab should have advised defending the claim regardless

 

 

never mind.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

hi dx

that's what i thought, why i put the post up just show what i did, i only mainly wanted to have a witness as well making the call and relay a message to use letter only . dx the help you and rest of your friends do, Is unbelievable and i cannot ever thank you enough, (to me you are the jedis :-) have a good crimbo and new year.

Share this post


Link to post
Share on other sites

Hi there

i have had a credit card with sainsburys since 1999, kept up a good payment record for many years till 2008 when i fell into debt through ill health and my dad passing away and leaving no will and i ended up trying to sell his boat and keep a mortage going,

 

I agreed with Sainsburys to reduce my payments and then Sainsburys passed my debt to a few credit agencys and i kept payments up till Drydens Fairfax solicitors took over the debt and issued a CCJ.

 

who do i issue a SARS too to find out about my credit card and payments i had made to and any information ie;credit agreements, payments etc.

many thanks leon

Share this post


Link to post
Share on other sites

Do you have any written evidence of the agreement that you made with Sainsbury's. How long did you keep paying the instalments to Dryden's?

 

You say that they issued a CCJ. They send your claim form? Did you defend? Did you know about the case? Has there been any attempt to make any enforcement?

 

Also, you've given us actually no details of the value of this judgement against you


Share this post


Link to post
Share on other sites

Old and new threads merged

Please keep to one thread

 

Sar goes to the original creditor


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Hi there bank fodder

 

it was 1998 i took the card out,

 

I don't have a written agreement with sainsburys or ever having one with them,

 

my debt £4,308.75 was sent to Arrow Global Limited from Wescot Credit Services who i was paying monthly installments to,

 

 

Arrow Global Limited wanted me to set up a payment plan with them,

 

I did explain by phone i have no money at all as i had put a claim in for ESA and PIPS and i had no income,

 

Arrow Global Limited sent my file to Drydensfairfax sent me 2 letters asking me to contact to sort out a payment plan ,

 

I got a county court letter from Drydens with a income defend form etc,

 

I took the forms to the CAB and they contacted them and explained my problem they wanted to speak to me on the phone and i pointed out i would rather do it by letter,

 

we heard the gentleman say he will carry on with the CCJ and the line went dead.

 

With their costs on top it comes to £4,495.75 no enforcement has been made yet.

Share this post


Link to post
Share on other sites

so get that sar running!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

thankyou i will get the SARS of to them.

Share this post


Link to post
Share on other sites

hi again

 

i issued a SARS to sainsburys credit card and got it back,

 

i went through all the statements and have paid just over £9000 in interest and late payments and over credit limit on £4200,

 

of the late payments 18 of them are £25 charge

then they were dropped to £12,

 

would i be able to claim them back against the outstanding debt,

 

which means the figure they took me to court and got a ccj for is not the true figure,

I have a photocopy they sent me showing the the applacation form i filled out in 1999.

 

On the credit agreement they sent it shows they charge £12 for late/over credit one late payment fee put me over the credit limit so got charged another £25.

 

And above all guys you have educated me and your site has given me lots of help through some very dark times in my head...

Share this post


Link to post
Share on other sites

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that foslink3.gif will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitutionlink3.gif is claimed.

 

CISheet v101.xls


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

thank you so much, i did a PPI claim and got back £3757.91p back this week,but after getting the my file and all my statements and write down every thing....

Share this post


Link to post
Share on other sites

Hi

I'am working out the fees that sainsburys credit card charges, what charges would i be requesting for ; I have 53x£1.50 + 8x£3.00 cash handling charges

40x£12.00 + 18.00x£25.00 late payment/over credit limit fees and a few other amounts that vary......

Share this post


Link to post
Share on other sites

cash handling charges not recoverable, only default charges/over limit charges etc


:mad2::-x:jaw::sad:

Share this post


Link to post
Share on other sites

thank you cogger....:-)

 

i have been trying to find the letter template to send to my credit card for unfair charges, is there any chance youcould put a link to it please..

Share this post


Link to post
Share on other sites

are you using the CISHEET ??


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I don't know what one of those are, I'm using word excel pdf..

Share this post


Link to post
Share on other sites

post 16


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

sorry dx i donts understand post 16?

Share this post


Link to post
Share on other sites

you need to use a compound int spreadsheet

that's the one you should be using...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...