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    • The dealer is MK autos ltd in Milton Keynes.   We know the car was serviced by bmw once, as we called to ask but about 2 years ago.  The car was brought for £10,995 but with finance cost total will be £22,000.. Eye watering amount but again we was pushed into a corner. I needed a car my mum has terminal lung cancer and I do all the hospital appointments. We thought that we would be safe for a while at least.   Again I forgot to mention that although the car had a "service" the rear brakes went and were replaced on the 15th June 2019..   We have paid so far in total £2260 in 6 months.   I am prepared to fight this!!  
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    • Quick update since it's been 4 months now - they never responded to the letter I sent and the case got passed onto Zinc. They try to phone/text me probably once or twice a week, I have never responded though. Blocking the number doesn't help, seems like they have an endless supply of disposable numbers which is a bit annoying, but whatever 😑. They also send me the occasional email reminding them that I "owe" them money too. I've never received any physical letters.   That's pretty much it. For anyone who came across this post because they're in a similar situation to the one I was, there is absolutely nothing to worry about. Just ignore them. These people are powerless. They'll try to contact you endlessly and it's a tiny bit annoying, but eventually they'll bugger off. Nobody will show up at your door. Your credit score won't be affected. Their whole business is based around trying to intimidate vulnerable people into paying money that they don't owe.
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Arrow/Drydens got CCJ on sainsbury's Credit Card 'debt'

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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.

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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


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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?


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

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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.

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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


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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

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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.

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cab should have advised defending the claim regardless

 

 

never mind.

 

 

dx


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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

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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.

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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

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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


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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

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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.

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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

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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...

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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.

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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

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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....

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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......

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


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

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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..

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are you using the CISHEET ??


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

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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

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

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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

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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

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