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    • Well If I pay British Gas £90 a month they’ll be paid off in about 17 months. That’s a long time but if it’s gunna effect my credit rating until November 2023 why bother paying it off early?    Ive worked out too the PDL default will be 6 years old on the 22/01/2020 so is there a point even doing anything with it? If it gets removed after 6 years does that mean I won’t have to pay it back?    Thanks  Andrew 
    • Minor developments:   a) Notification received that case has been referred to County Court at Chesterfield and we've to await the Judge's directions re allocation etc.    b) The letter I sent on 20th August to the agent (Lambert Smith Hampton) that manages the Berkeley Precinct and has its address on the board at the entrance, has been returned by the Royal Mail National Returns Centre, with a sticker saying the "addressee has gone away"!!   Don't they have an obligation to change the signage if they move, and why wouldn't such a large company have their mail re-directed?   The letter requested assistance in obtaining a copy of the contract between VCS and the landowner. I'm a bit mystified, but have found an additional address, so I could resend the letter and give it another try. 
    • urm.. FmoTl twaddle me thinks followed here
    • 123 Abc efg   22/09/2019 Dear Sir,   Re:  v xyz. Case No: 123456   CPR 31.14 Request   On (date) I received the Claim Form in this case issued by you out of the county court of Salford.      I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest and counter claim all of your claim.   Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:     1: The agreement/overdraft Facility Confirmation and Terms and Conditions from that date. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.   Failure to prove the above will render any claim unenforceable pursuant to section127 and 61b(3) CCA1974   2: The Demand/Termination Notice (Notice served under Sections 76(1) and 98(1) of the CCA1974   3: Notices of Sums in Arrears under running account credit CCA2006 sec 86C   4. Notice of Assignment *   You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are disclosed at your earliest convenience.. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.   Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.   In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.   If you are unable to comply with this request and believe that you will never be able to comply with this request please confirm in your response.     Yours faithfully   Xyz. is this ok to send. and recorded delivery.
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jules681

Arrows/Reston chasing Credit Card debt

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Wondered if someone could help me.

 

Last July I Received a letter from Restons,

instructed by arrow global management,

for a debt of around £1800.

They were asking for full payment, or threatening court action.

 

Following advise on forums,

I sent a Cca request to both Arrow and Restons.

 

I received a letter back saying they would request the information from the original creditor and the account would be placed on hold.

 

Today, I have received a letter from Arrow, with a 4 page copy of what I belive to be the original credit agreement and terms and conditions.

 

The letter also states the sum I have paid, which is £0.00, and the value owed.

It then Goes on to say that the account is being operated by Restons ons on behalf of arrow,

and arrow will deal with this document request only, all other enquires to Restons.

 

Feeling slightly out of my depth here, what do I do now?

Is this all the information required for Restons to chase this debt?

I don't remember this debt, the credit agreement is dated 2001.

It clearly is my debt as its a previous address of mine and my signature..

 

I got into financial difficulty in 2009, and lost my way totally, so it's clearly from around then that I stopped paying for it.

 

Any help would be much appreciated, thanks in advance.

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Exactly WHEN did you stop paying?

 

Does this show on your credit file at all?

 

Can you scan and post up the CCA they sent you, suitably redacted.?

 

It may very well be SB, do NOT talk to pestons over the phone.

Deal with this in writing ONLY, if at all, sounds like they're trying their luck!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I stopped paying around April 2009, as I had a debt management plan, but I had one that wasn't involved in the plan,

I have a feeling that this might be the one, which I paid up to nov 2009, so if it is, then it's not sb yet.

 

I will try and up load them shortly, for you to have a look at for me, thank you so much for the reply.

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The good thing is that you have PPI on there which you can reclaim, if miss sold, or you never met the requirements for it?

 

And then there will be the costs and interest added which you can also reclaim, using the hardship rules.

 

HOWEVER!!!

 

Check your credit file first and see if this appears anywhere on there, I suspect not.

Have you ever used Experian's ''free 30 day trial period'' before?

 

If not, do so, and get your credit files that way, OR send £2 off to them for a hard copy of them, OR use Noddle, which is free, but isn't always as accurate as they take a wee while to update their system.

 

Are there ''any'' dates or file reference numbers on the bottom of those pages they sent at all?

Usually there is and it will correspond with the year they drew up the T&C's and used for their victims, sorry, customers?

 

(Kiddy hey? Just for the record I used to live in Bromsgrove, so not far!!)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Attachments unapproved...please obscure completely.

 

Andy


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Thanks Andy, I have deleted them now. I didnt realise you could see the information :!:

 

There arent any numbers or dates on the pages as you describe, all thats on them is the reference number thats been handwritten.

 

I will have a look on Noodle, I have used Experian in the past but havent noticed anything on my credit file, but I will have another look.

 

So do I just wait for Restons to come back to me? and how do I go about the PPI on an account this old?

 

And the hardship rules? whats that?

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All in good time, check your credit files first, worry about the rest later.........if this appears on your file that is....

 

Come to think of it, I don't think that (what they've sent you) comes anywhere near close to an enforceable CCA??

 

Where are the interest rates?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Right I have just checked on Noodle and this Does appear on there, default date Aug 2010.

 

I have just traced this through bank statements and can confirm with certainty, that the last date I made a payment was on 6th Nov 2009.

 

I cant find any details of interest rates on the pages that I have received.

 

What should I have received if this isnt enfoceable?

Thanks

 

found the interest rates

2.08% per month APR 28.0 for monthly direct debits

2.21% per month APR 29.9% for monthly payments by any other means.

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can you scan up the CCA return please

 

 

and who is the OC?

 

 

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

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IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

.

- Don't forget you can use a mobile phone or a digital camera too!!

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- If you have multiple scans/pictures

please put these into WORD and make a multi page document

.

first ensuring you have removed all Personal Information before converting to PDF.

if you dont have MSOFFICE, use openoffice its free and has a PDF converter.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

PLEASE TRY AND REFRAIN FROM POSTING FILES OF +1Mb in size

a single sheet of a4 should be about 50kb.

.

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3. HOW TO CONVERT YOUR DOCUMENT TO PDF

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- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

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OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

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- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

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- For Example: Default Notice DDicon-MM-YYYY.

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IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

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5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

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- In your Thread/Post open a new msg box here.

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- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them 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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Dont believe the dates on noddle, and on other CRA's, check the dates yourself. It's not unusual for a creditor to default the account until well after the point where payments stopped. In any case, the default date has nothing to do with the SB date. It's just a guideline.


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..

 

 

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dx100uk

 

I have re attached the returned letters from Arrow Globel. I have tried to erase personal information via the information you gave me but I still couldnt do it. So I have cut it out!!! Hope its ok to do this way.

 

I have not received anything further as yet.

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Dont believe the dates on noddle, and on other CRA's, check the dates yourself. It's not unusual for a creditor to default the account until well after the point where payments stopped. In any case, the default date has nothing to do with the SB date. It's just a guideline.

 

Thanks for this, I dont have any further information to check if this default date is correct. But I am pretty sure this is a Store Card, through GE Capital bank, and I last made a payment on 6th Nov 2009.

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its an application form

 

 

I cant see any ref to what the late/over limit charges are

 

 

and the t&C's mention Santander

 

 

don't think they existed in the UK in 2001?

 

 

so what was the card please who with?

 

 

dx


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

spreadsheets 

 

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GE store card

 

 

so that's a complete CCA bodge job.

 

 

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

spreadsheets 

 

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I am sure it was a Dorothy Perkins store card, it could be used in burtons too.

So what do you think I should do now?

 

Thanks very much, you have been really helpful, so far.

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well what they have sent is not enforceable

that's for sure!

 

 

you say you were in a DMP?

who with?

 

 

poss they might have records?

 

 

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

spreadsheets 

 

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I used byrom and keely I think it was, but this debt wasn't included in the plan, I have no idea why.

 

 

I have searched thorugh bank statements and found a payment to ge capital bank, on the 6th nov 09

 

The last payment to byrom and keely was 27th April 2009,

some of these have chased me but after sending Cca requests,

I have received nothing back.

 

Should I sit tight and wait for Restons to come back to me?

 

 

Or send another letter to Arrow, telling them what they have sent me is not enforceable as you suggest?

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I would certainly never be telling anyone a CCA request is un-en.

 

 

save that for court.

 

 

http://www.bbc.co.uk/news/business-17670803


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

spreadsheets 

 

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Ok thanks for that, the link is quite interesting.

 

Just one thing, am I right in thinking that as the terms and conditions supplied with what Arrow sent me refer to Santander that they can't actually be the original t&c? And I should receive the original ones, plus any changes since?

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I would suspect the t&C's should refer to ge money.

 

 

see the store cards forum

for other examples.

 

 

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

spreadsheets 

 

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Ruddy chancers!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I have today received a letter from Restons saying the following.

 

Our client has informed us that your recent request for documentation has now been complied with. As such, they now require your proposals of payment.

Please complete and return the attached financial statement by 7th May, failing which we may be instructed by our client to issue legal proceedings.

 

What should I do now? Should I fill in the form?

Thanks in advance

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no why?

 

 

the CCA is non compliant.

 

 

you could write back and state,

 

 

your client might well have complied with the document request itself

however, those documents supplied fail to comply with the Consumer credit Act


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

spreadsheets 

 

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Ok thanks! That's more simple than I thought!

Thanks dx100uk, I will send a letter to Reston's stating just that.

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Should I say way these don't comply or just leave that to them to figure out?

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