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    • just to update, i have received a letter this morning from Arrow Global-   We thank you for your letter and acknowledge your request for documentation pursuant of the consumer credit act 1974. We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested.We will now process your request for documentation from the creditor and will respond in due course. We confirm that all collection activity will be suspended pending provision of the documents.   So i assume Arrow have not bought the debt and are collecting for either another DCA or indeed the origianol creditor in this case would be Marks & Spencer. not sure to as if this is good news that they have not produced it or bad news they may be going back to M&S,Can anyone chuck some light on it for me   Many Thanks to all
    • Hello. I'm asking a question regarding paying a PPI company. I won't name names, unless anyone thinks it's relevant. My partner made a claim to a PPI company a few weeks before the deadline. He received a letter from Lloyds asking for authority for them to act, which he supplied. A couple of weeks later, rather unexpectedly, he had a letter from Lloyds with an offer, which he accepted. He's now received the payment. In all of this time, he had nothing from the PPI company apart from the odd text, asking him to keep them informed if he heard anything. He scanned the letter with the offer from Lloyds and emailed it to them as requested, expecting them to invoice him, he has no intention of not paying, even though they seem to have done next to nothing. This week, he receive 2 letters from them containing 3 forms in total, for him to complete, checking his details as Lloyds told them there was an error. I've advised him to ignore the form, since he's been paid & is just waiting for them to claim the money from him, and if they're so inefficient, that they ignore emails virtually offering them money, they might forget about it altogether! Is this the right course of action? He's concerned they'll take him to court for not paying, but I don't see how they can, when they've never even asked for any. Any advice greatly appreciated.  
    • I think you should have included the letter in your bundle to VCS and the Court. That way I would think VCS would not wish to go to Court as they would have to admit that they had been issuing PCNs for several years having no contract to do so. Completely blowing out of the water their statement that they  adhere to the Code of Conduct. As they haven't and also lied in their Witness statement, it should be pointed out that they should not be able to access the DVLA for motorists data when they have breached the Code for so long . It should also be pointed out their other misrepresentation. as I pointed out on post 123 and 126.
    • Thanks for all your help so far, it's appreciated. Received the notice of allocation to the small claims track from my local court with the following page being directions. First and foremost it reminds them to pay a fee. I'm PC savvy so I'll post up a copy of the letter with details removed a bit later.
    • grr.. THEY ARE NOT BAILIFFS they cant enter any property or do ANYTHING.    
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Was RBS rude to do this?

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Hey everybody,


New poster here, I have been a lurker on here for a while now :-)


I am just wondering what other opinions are on this.



I contacted my bank RBS via their online complaints form 1 week ago.

I did not receive any kind of email verification from them to say that they had received my message,

the terms of their complaints procedure says that they will be in contact within 5 working days.


I have a disability and am unable to use the telephone because of it,

I explained this in the message,

I asked in webchat on Friday if they had received my message

but the person I chatted with said they had not received any thing,

but, she said that may be because it hadn't been 'logged' yet.


this evening I went back in again to ask if they had logged my complaint yet

and the person I chatted with said that he would get the complaints team to give me a ring,

so of course I explained to him again that this wouldn't be an option.


The conversation went a little something like this -


RBS man: I will get the complaints team to ring you shortly.

Me: I won't be able to speak to them via the telephone unfortunately due to my disability

RBS man: Sorry to hear that dear

Me: I will come back tomorrow and use the webchat

RBS man: Come back tomorrow and we will transfer the chat, will that do.


Now, I know this is probably horribily trivial

,but it's not the most professional thing in the world to call a customer 'dear',

I am personally not a senstive person at all but it did come across as condescending and perhaps rude?


I am just looking to see what peoples personal opinions are on this really?

Should I mention it to the complaints team?

I don't want to get this individual into any kind of trouble if he genuinly did not mean to be rude,

but other people may take this the wrong way?


He only seemed to become condescending after finding out I have a disability,

and that does get rather boring and irritating (As does typing the bloody word 'disability' :!:)


If he was being deliberately rude then I would mention it,

but I am not sure and really don't want to be overly sensitive.


Anyway, thank you all for reading my ramblings.

Edited by JaneJaneLane

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Now, I know this is probably horribily trivial,but it's not the most professional thing in the world to call a customer 'dear', I am personally not a senstive person at all but it did come across as condescending and perhaps rude?


It annoys me when someone I do not know addresses me as "mate", or even worse, "chap". My usual response is "don't be so damned impertinent. That will be sir to you.". If the message doesn't sink in, a quick word with his/her manager suggesting that the staff are given training in etiquette sometimes works.


But if a bank clerk ever addresses me as "dear", be assured, I would be filing a complaint at the highest level.:mad2:





No... you can't eat my brain just yet. I need it a little while longer.

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Its prob a slip of the tongue and they didn't mean any offence

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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probably did know how to respond ..



if the conversation had been on the phone

and you are female

and you indicated an issue



then its 'reasonable' for people to say dear vocally, 'sorry to hear that dear'...it shows empathy



its unusual to see it in type yes

but it was the 'webchat' which could be viewed as an alternate to phone.



so I'd say its reasonable to use in that context via that method of comms











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Thanks for your input, I won't worry about mentioning it :-)


Things got a bit odd today with RBS though, I was chatting with the complains team via the webchat option and the person I was speaking to somehow got me confused with my mother (Probably because of the same address?) and gave me my mums transaction details over the chat log, whoops.

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