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    • I had a letter last week from Global Arrow about a debt that I am not even sure that I owe. Today I received a letter from Resolve Call claiming to be acting on behalf of Global Arrow and threatening a doorstep visit. I am confused, who do I reply to, Resolve Call or Global Arrow? The thought of a doorstep visit terrifies me and I am concerned for  my son who could be here when they visit. Are there any template letters available? Any advice would be much appreciated. 
    • You will have to serve a Letter before claim first and exhaust their internal complaints procedure in line with the Pre Action Protocol before issuing a claim.   https://www.gov.uk/make-money-claim   https://www.moneyclaim.gov.uk/web/mcol/welcome   Topic moved to Financial Legal Issues.   Andy
    • I think it's outrageous and given that Jolyon is a successful barrister, I can only assume everything he says is accurate.   It's heartbreaking how much money has been squandered.
    • ok thanks will do!   If there any link for threads from non UK nationals/non UK residents dealing with these DCAs?   Not that I care but they could hardly file a CCJ given I have never had a UK address?
    • I think we need to know much more about the car. How old is it?how many miles does it have? how long have you had it? what is the name of the dealer that you bought it from?   if you can give us the answer to these questions then we can start giving you the advice that you need
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hello everyone,


i'm wondering if you can assist me.


i have a registered oyster photorcard and was travelling on DLR


the PSA had a new ticket reader that read my oyster and told me i did not tap in at my station,


my card has some problems registering on validators so i recognised this might be the problem.


He told me to get off and tap in, then get back on the train.


What im wondering now is whether i am liable for prosecution or penalty fare,


i did as he said and tapped in etc but he did not take my details as i assume that is recorded on the card.


Many thanks.


Oh also he asked me where i came from and where i was going if that is relevant to this.

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Sorry mate just replied to the other thread.

Short answer is no!

The staff on DLR hand in the carbon copies of the penalty fare only.

They are given discretion over education / eviction or issuing a penalty fare.

I asked the same questions to establish if I had time to write out the fare before you alighted when I deemed it warranted a ticket. The new reader is for the contactless cards and CAN fine you on the spot if you haven't tapped in. the deduction is immediate but they should inform you as everyone is extremely polite, apologetic and non confrontational....


Pressure is applied from management for "revenue protection" but we know who plays the system and who had genuinely made an error. The oyster machine will show the history of the card so I can see you travel the same route daily and normally pay so I wouldn't issue a penalty. Likewise our tourists who have no idea how the system works out where we hide the readers etc.


NOT all the staff use the same mentality. Some are very ruthless. If you come across him and haven't tapped in good luck...

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