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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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sapper2409

Arrows/restons claimform - old Debenhams Store card changed to a newday Credit Card

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hi there,

 

my partner has received two letters from capquest

one on the 23/12/16 stating that they were managing her account from arrow global

she knows nothing about this account I told her to ignore it ,

 

then today she received another letter from capquest stating that the original creditor was newday ltd and that if capquest do not hear from her within 14 days capquest will be recommending their client to start court proceedings .

 

the only thing she knows about this is when newday got in touch with her 2years ago and they tried to take money from her bank account so she immediately stop it and phoned newday

 

they told her it was from a Debenhams card used in Romford

she explained to them that when this card was used she was living in Newcastle upon tyne at the time 5 1/2 years ago

they said they would look into it and she has heard nothing from them till now ,

 

the only thing she can think of is that Debenhams sent out a new card and pin number to her old address in Hornchurch after hers ran out and the new owners of her house have used it once again

 

she explained this to newday .

 

the question is do we get in touch with these people or ignore it any advice would be great thanks

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Hi Sapper

 

I have moved your thread to the appropriate forum..Debt Collection Agencies...please continue to post here to your thread.

 

Regards

 

 

Andy


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one of the pitfalls of not telling your creditors that you had moved sadly

 

 

however its fraud.

just remember the arrows/capquest etc are all the same lot

and that a DCA is NOT A BAILIFF

and have

NO SUCH LEGAL POWERS.


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thanks for your reply ,does she ignore these letters then ??

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I would

 

but never ignore a claimform.

 

it would be very easy to prove fraud if they were so stupid to take this to court.


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Debenhams had a spate of fraudulent card and account purchases a few years back. May be tied into that rather thn just a simple misuse of card at old address.

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have you got any dates for this ericsbrother as she moved from Hornchurch to Newcastle in may 2011 after her partner died

 

it may have happened then or after ,

 

if they are asking for this money

they must have receipts

if so can we ask to see them to prove she was not in Romford at that time ??

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Your partner reported the fraudulent use at the time 2 years ago and New Day should have taken action to terminate the account, any costs incurred by the fraudulent use are not your partners.

 

Crapquest can recommend what they like but they can do nothing.

 

one of the pitfalls of not telling your creditors that you had moved sadly

 

however its fraud.

just remember the arrows/capquest etc are all the same lot

and that a DCA is NOT A BAILIFF

and have

NO SUCH LEGAL POWERS.

 

Hi DX

 

Debenhams actually changed the self financed store cards to New Day Credit Cards with no notice to the card holders, it was around 2010 from memory.

 

I know because I was a Debenhams card holder and received a New Day credit card through the post, no warning, no separate PIN, nothing.

 

Debenhams then wondered why they had loads of fraud.

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thanks for that information

 

 

t he question now is do I/her reply to capquest,s letter stating these facts or ignore them ??

thanks in advance

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Debenhams started out with instore card then cards under their Welbeck Finance arm address at the Mount Taunton, later sold onto another company then newday


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

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hi everyone , further to my first thread the missus has now received this letter this morning ,

 

can you please tell me what to do now does she answer it or leave it ,I have posted the letter and another page entitled "frequently asked questions " this says that arrow global has bought the debt from newday,

 

now as you can see from my first post it was capquest who bought the debt from newday ,I know they are one and the same ,arrow and capquest , but are they different companies run by the same people therefore they have sold the debt again ???

 

its confusing ,she is worried sick about this , as far as she is concerned she had paid up on the "Debenhams" card in 2010 and knew nothing about newday her partner died in February 2011 and she moved to Newcastle in march 2011 .

 

hope you can give me advice to sort this out thanks

Edited by honeybee13
Paras, plus attachments removed as a/c no showing.

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Hello there.

 

I'm sorry, I've had to remove your attachments because you've left the account number in. Can you redact that and repost please?

 

HB


Illegitimi non carborundum

 

 

 

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reston discount letter.

doesn't say will anywhere.

 

can I just check something...

 

HER last payment would have been well before what happened in post 1 [+5 1/2yrs ago]

so I will guess shes not paid in +6yrs?


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hi dx100uk,

nice to hear from you again,

as i stated in the first post

newday had been taking money from her bank account without her knowledge

she contacted the bank and asked why money was being taken from her bank account ,

they didn,t know just that it was an arrangement with newday ,

 

 

the missus knew nothing about this or newday so she stopped it immediately and got in touch with newday saying it was fraud

 

 

they said they would look into it ,

nothing more was heard until letters from capquest,

then the ones today

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post one reads they 'tried' to take money but were unsuccessful.

so when was her last payment.


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it is saying on their letter it was the 30th of march 2015

if you look on the second page I posted it gives the information there

 

 

,it is saying original creditor is newday that is wrong because the original creditor was Debenhams ,

 

 

as I said they were taking money from her account without her knowledge it was only when they doubled the monthly account to £70 odd pound that she told me and I told her to get in touch with the bank

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you should of told her to get all the payments back under the DD guarantee

 

 

so she was paying for 5yrs and never realised it?

and I bet there is no existing DD mandate that states the new number

[from the old Debenhams card no]

 

 

resctum are offering a discount because I suspect they know more about this or these accounts than they are letting on

i'e the mass fraud, and the fact that your mrs told newday fraud years ago too.

 

 

pers i'd do nothing

bar get an sar off to newday.

get the account history.

 

 

I'm minded to reclaim those payments too.


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

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would it be best to send an SAR to Debenhams and newday ?as Debenhams were the people she had the original card with, also how long have I got to send the SAR to newday and what do I do about restons ?as she has got to look for her bank statements and such as they are still in boxes she hasn,t unpacked them all . thanks

Edited by sapper2409

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sar to newday only

 

 

rectums can wait.


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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hi everyone , I,m back l.o.l. we did what you said ,and sent a SAR to newday what happens now or after they receive the letter ,I know they have got forty days to reply ,then what,thanks not being in this predicament before we are new to all this

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time to get reading other like threads then

 

 

for the minute you sit on your hands.


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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hi everyone,

we have not heard from "newday " after we sent a SAR letter on the 12/6/17 ,

 

 

now today we have had a letter from county court business centre Northampton "claim form " dated the 7/7/17 and the claimant is arrow global and reston solicitors ,

 

 

in the letter there is a response pack with an admission form n9a, defence and counterclaim form n9b and an acknowledge of service form which one do we fill in ??

 

 

they don,t give us much time its been in the post 12 days and on the form it says we have 14 days to reply ,

 

 

do I phone the court up and explain to them we have just got the letter

0r do I fill in the form acknowledgement of service and send it registered post

 

 

I have put the claim form on here hopefully ,thanks for any help and advice

court letter .pdf

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Thread moved to Financial Legal Issues.

 

If you could read the following link which explains the process...copy and paste the Qs and your responses back here for further advice.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**

 

Regards

 

Andy

 

Upload unapproved a s the claim number is still showing.


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well people ,I have been on line and registered with MCOL stating we are disputing this claim against us as I thought that would be the quickest way of disputing this case instead of going by royal mail, and we are also going to send "global arrow " and "restons " a CCA request

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