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    • Hi.   Could you let us have the information requested in the forum sticky please? This will help us to advise you. In the meantime don't worry too much about this.     HB  
    • So last August my girlfriend went to Legoland with the kids (4 & 8) and her mum and then went to Pizza Express in Windsor. They parked at Castle Car Park.    They paid to park and went to eat. They were then a few minutes late back. There was already an attendant issuing a ticket. The attendant then waited until my girlfriend was over ten minutes late to issue the ticket despite her being there well within any grace period.   My girlfriend appealed to Ultimate Customer Solutions end of August but did not receive a response (they later said they emailed a rejection which my girlfriend never received until it was resent). Then in August she received the first debt collection letter. Then my girlfriend was advised to respond to UCS requesting an Subject Access Request (SAR) which they have not ever acknowledged or responded to.    So then we thought they had gone away until we received a letter from CSB solicitors (same address as UCS) advising they would be beginning court proceedings against my girlfriend. I told my girlfriend to complain that they haven't responded to any of our requests so she called the number of UCS and was basically accused of being rude to the t*** at the end of the phone. She wasn't but he wasn't very helpful and said they had responded to the appeal and sent it again. This was on the 16th January 2020.    On the 29th Jan this was sent after another chase to the solicitors:   I have reported UK Parkings ltd to the ICO as they are in beach of GDPR having ignored my SAR request. Further to this I was not notified that my initial appeal had been rejected and therefore cannot further appeal in a standard way and therefore I am awaiting further advice for ways to appeal against this unfair PCN.   As it stands should you decide to further contact me in regards to this matter without good cause I shall be seeking legal advice as per my statutory rights.   My girlfriend then received another letter from UCS threatening debt collectors (I told her not to worry about this) and so she wrote to the solicitors asking for an update:   Email dated 21/02/2020 I am writing to you regarding my email sent on 29th January, below. I still have not received a response from you and I left a voicemail for a solicitor to call me from CSB Solicitors, which I have also not received. I would like to speak to a solicitor regarding this PCN.   The solicitor responded via email the following: Dear Madam,   Thank you for your email.   Following your email below, we reverted this matter back to our Client for their instructions. We will only be able to respond more fully once these are received.   At this stage we have no further instructions other than to send out a letter to you dated 16 January 2020.   We hope to be able to respond more fully once these are received.   Yours faithfully,   Solicitor   So UCS are not actually doing anything they should do but nobody we have complained to has actually come back to us so not sure where to take this because I don't have time for court and I would rather just have someone take the (insert appropriate word here) to task on these unbelievably poor practices!   Any advice on next steps?   Thanks    
    • Hi Sneezer and thanks for your Site Donation which is much needed and much appreciated.   The info from the "Solicitor" makes sense if you were complaining about how CRS came to have your contact details. However, this is not relevant to your case. You didn't cancel properly and carried on paying for a gym you didn't use.   For the future, see the Guide here about how to cancel a contract properly and avoid trouble - https://www.consumeractiongroup.co.uk/topic/383678-cancelling-your-gym-agreement-get-it-right/     Come back anytime to update us but don't worry about CRS or anyone else who makes demands. Let us know if you need more for advice and reassurance.    
    • They were communicating with lawyers associated to me too   They can’t serve a SD on your lawyers, only you.   As I said earlier - the lawyer stopped communicating  around the date on the SD they incorrectly served.  And the bank told me the receiver was now handling things and not to deal with them anymore.   The receiver never asked me where I was.  But he did email and I did reply or he did get auto reply.   Since I did have email communication with them - I don't think they could say they did everything possible to find me,  All they had to do was ask!  And then we could have discussed the situation.    It almost is the reverse - they did nothing to try find me.  And if a PI is employed to do surveillance then he must have realised only one person - the wrong one - lived at the  wrong address.   Does anyone have any info re post #26 and #28 above?   The property is being marketed for sale and the receiver is negotiating offers, so there was no reason for me to expect bank/ lawyers to be trying to locate me to serve any papers.      Surely any loss to them has to be proven upon an agreed sale.  It hasn't sold yet,   They may still get a high enough offer to prevent any large debt?  There could then be a different discussion re terms of repayment?   So I was not expecting anyone to be trying to find me!   But this is a bit of a digression from what  should I be doing NOW? Should I send them an SAR?  If they do intend to serve me correctly this would be useful, yes?   I am sure they have added all sorts of unnecessary costs to the debt that could be challenged?   Also there is a question over if they even had a valid notice of assignment?  They would have to produce that in the SAR wouldn't they?   This was a real query for me ages ago but it never got pursued legally.
    • Expect them to bring up every communication and claim that you’ve been dodging them / not providing them with an address to serve to.......
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marco23

Moorcroft for Arrows - chasing OH's M+S card debt

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Wont go near a court without enforceable paperwork

Bye bye debt!!


please don't hit Quote...just type we know what we said earlier..

 

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ok yes that's IF they cant produce and i think a big IF,,  if they do are my options in the previous post the best route to keep it out of CC

tthanks in advance

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until / unless they cough up and we check things over 1st.

 

its a big IF the otherway around..


please don't hit Quote...just type we know what we said earlier..

 

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thank you all.il follow up when/if the paperwork comes

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hi all and thanks in advance for everything, The CCA request went off on the 9th and the 12+2 time has elapsed and not heard anything from Arrow Global, i was wondering what is my next step?

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yours is not the next move.

 

 


please don't hit Quote...just type we know what we said earlier..

 

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3 hours ago, dx100uk said:

yours is not the next move.

 

 

thank you DX

they are due to be paid £5 next week sometime so i'm going cease making payment, as you say my move is not next its theirs, either put up or shut up i suppose  😉

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is been getting on for 6 weeks now since the CCA request went off to Arrow Global, ,

they have not responded,

 

Moorcroft who were collecting the debt have had their payments ceased on the 9th August and nothing from them either ,

 

i was wondering if this is normal,

seems strange not receiving a letter from Arrow saying either were looking for it or we found it or we have not got it.

 

i would assume after 6 weeks they cant find it so is that it nothing more happens unless in the unlikely event it pops up..

thanks in advance

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as my last post

get reading any dca posts here

get upto speed

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

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just a brief update,

 

i received a letter off Arrow Global Ltd

however i don't think  its related to the CCA request

although it may have instigated them to fall in line with procedure,

 

its a statement from 1st April 19-31st August 19,

nothing like this has ever come before over the last 6/7 years,

i was not sure of the original date of agreement 

but its on this statement as 2004 so the account is older than i thought

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its simply a statement they must send as they are now the creditor

simply ignore it 

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

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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

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no read it properly

they have bought the debt.

you've already received their notice of assignment.

 

std letter they send to every CCA request in reply if you go read like threads.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

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thanks DX..

.i have dissected it over and over lol and refered back to other posts on other threads,,

they have bought the debt,

they are going back in the hope they may find it with the OC?,

 

in your opinion what would you say are the chances are of it being found as its from 2004?

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" 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. "

 

Arrow really need to read and understand section 136 of the Law of Property Act  :becky:

 

Andy


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HI all

just to update, it looks like the credit agreement has been found, today i have received a pack containing-

(1) all staements

(2) a default notice

of which has no figures, example-

This default notice is served on you relates to account number xxxx xxxx xxxx xxxx

You have not paid instalments due under your agreement. You are £xxxx.xx in arrears

in order to remedy the breach ,you must pay the total arrears of £xxxx.xx

(3) credit agreement

which is a photo coppy of the card application, it appears to be true and dated and signed

any further input from anyone would be most welcom,thank you

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scan all the return upto one multipage PDF

read upload

 

 


please don't hit Quote...just type we know what we said earlier..

 

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1 minute ago, dx100uk said:

scan all the return upto one multipage PDF

read upload

 

 

thank you DX, i have no scanner im affraid, if its a good idea i could pick one up tomo from ASDA or somewhere tomorrow ,is their any info you require that i can read off and post on this thread

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Read upload


please don't hit Quote...just type we know what we said earlier..

 

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