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    • Hi all,   I would appreciate some help with a default date.   I took out an Egg credit card on 10/01/2005. I missed payments and eventually it defaulted but I do not remember when. But, my credit file says it defaulted on 02/11/2015 and it says it’s Arrow Global now. I contacted Arrow to enquire about the default date because I don’t remember having the card for as long as 11 years. Arrow say they purchased the account on 21/12/2014.   I also put in a CCA request with Arrow but they say they have no documents from the original creditor i.e. Egg and nothing themselves. I've asked for a notice of assignment which apparently is on its way to me since the last month or so and apparently I made a payment of £10 on 7th April 2016 but I don't remember this so I've checked my bank accounts and nothing left my bank accounts on or near this date.   So strange, something isn't right.   I am also confused how the default date can be after the purchase date as from what I understand, Egg would have had to default the account before a DCA could purchase it? Or am I wrong?!   Would appreciate any advice and information!   Thanks, Jdip
    • had courtesy car since 20th jan, she had a Vauxhall corsa 2010..the hire car is a 2018 corsa. i have told her to give it back to them
    • Work out the cost to date.  How many days hire so far ?   What car did your Sister have that was written off ?   Is the hire car similar to your Sisters car ?   These credit hire companies are just trying to make money providing expensive hire cars.
    • For sure, It's just that waiting on that is taking a long time and i've had one bank end their relationship with me over it after I applied for a planned overdraft, Thanks for your advice anyway!
    • Well if the default was unfair because of the way Barclays treated you..then that will come out in the fos investigation?  Might be a route??    
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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approx.: 10 months ago we had a leak in bathroom.

called Royal sun alliance Insurance to make a claim.



claim exceeded a fixed amount of money

Royal sun alliance handed over to Cunningham Lindsey as their loss adjusters.

10 months have passed and still no works completed.



I have attached a letter that I intend to send this week to loss adjusters.

we want to know if we are entitled to compensation due to all the stress & inconvenience we have had to endure, such as doctors & hospital appointments.

Cunningham Lindsey letter of complaint - Copy.pdf

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you left you per details and account numbers showing too

it might well be an idea to PM me an alternate username too

its better to be anon on open forums.




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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I'm sorry to say that the letter is too long, too emotional, too cluttered. It also needs to be better spaced so that it is clear to read and clear to follow what you are saying.


Also I don't understand why various places there is 1no, 2no, et cetera unless this is some document formatting code which has appeared in the script.


My feeling is that the insurers – who probably just find the whole thing a nuisance anyway – will have their eyes glaze over and they will not pay a lot of attention.


You need a letter which is short, punchy, relevant, chronological – set out preferably in bullet pointed fashion.


In respect of the medical matters, you say this has been going on 10 months. Have you bought any of the medical problems to the attention of the insurers before? If this is the first time that you bring this to their attention and it will be difficult to say that they were aware of it and therefore they should have taken appropriate action earlier.


You also have to have in mind what you are planning to do if they do ignore you.


These organisations make money out of lost denial – they have bucket loads of letters of dissatisfied customers who are complaining. They are used to customers who frankly don't know how to make a complaint effectively – and I'm afraid that your letter comes over as if you're precisely 1 of those people.


You need to have a very firm idea of what you're going to do before you start writing letters around.

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Suggest you send any complaint letter to the Insurers head office addressed to their CEO. As advised the complaint letter needs to be short and to the point explaining why you are unhappy i.e what has gone wrong with the claim and consequences. If you then want to give more details, that should be on seperate sheets sent with the complaint.

We could do with some help from you.



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