Jump to content


  • Tweets

  • Posts

    • thanks all for your great advices and helps so far.   After self-report the event and telling all the truth to my employer, I am now on suspension pending the investigation. I was given the impression that dismissal without notice is very likely.   If this happens, my right to live in the uk will be immediately revoked so I might not be able to stay until court date.   Does anybody know TFL prosecutions team's direct contact number so I can discuss with them how to close the case if I have to leave the UK..   thanks in advance
    • Would it be easier to tell them that you have a protected characteristic if one's been diagnosed and tell them which adjustments you need?   Could someone speak on your behalf if you authorise them to speak to the bank when you're together?   HB
    • Make sure that you track the return of the item and keep a paper trail of its safe delivery.   In the meantime, register with Moneyclaim and start preparing your claim.  99% they will not respond to your LBA or else they will refuse you so get ready now.
    • Then you need to ask them to explain why they have breached their stated policy for data retention.  Also ask them to commit themselves that they do not use some other data storage service/archive.  If they refuse to confirm then you might then say that you will proceed to a hearing -although could be risky.  You could tell them that if you withdraw the case it will be on the basis that they agree in writing that they have breached their own policy. I'm afraid that I haven't gone through the whole thread or refreshed my memory of it
    • I wonder why their support agent didnt seem to think so... I asked them to escalate my issue so we will see.. maybe its because I couldnt provide a specific transaction/transaction date? Anyway I am sending a letter so hopefully that will work.   This is what I am writing:     Dear Sirs,   Account no: XXXXXXXX Card no: XXXX XXXX XXXX XXXX   Please act upon the following instruction with immediate effect:   I withdraw my authority for all future payments to be debited from the above account/card number by PayPal, including continuous payment authorities (the Payment Services Regulations 2009 apply).   FCA regulation states that “you do have the right to cancel directly with your card issuer. Once you have done this, it must stop payments immediately – it cannot insist that you agree this with the company taking the payment first.”   Please confirm in writing that you have received and actioned this instruction.   Yours faithfully,   XXX XXX
  • Our picks

tinyhound

wescot for Arrow global re old egg card debt

style="text-align:center;"> Please note that this topic has not had any new posts for the last 628 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello- background:

 

debt dates to 2005 with a pre-approved credit card,

the limit being increased and increased unasked unti 2008 when BAM!

 

Then i set up a debt management plan with the CCCS, and paid into that until feb 2012 and not a penny since.

 

A couple of weeks ago i got a phishing letter from wescot addressed to me at this address asking if the address was correct and saying if they didn't hear back they'd assume it was, no detail as to what it was for.

I didn't reply.

 

Today, letter from wescot saying they have been instructed by their client arrow global ltd-egg, to make contact with me to discuss the outstanding balance (£19,900) and telling me it is essential to contact them within the next 10 days to prevent further action.

 

Now... what do you advise here?

how likely are they to produce a CCA after so long?

It's months away from being statute barred.. should i ignore it?

 

I haven't heard anything for the last 3 years,

i *think* they must have been given new address by old landlord

getting sick of them constantly writing there.

 

They don't have any certainty of my current address,

are they likely to push for a CCJ under these circumstances?

 

Advice gratefully received!

Share this post


Link to post
Share on other sites

instructed by their client

 

that means they cant do anything so you have no need to respond to them at all.

 

If Egg want to do something then they will have to do so on their own and if Arrows send a threatogram you send a CCA request.

 

They wont have the info so that will run the clock down a goodly amount.

 

Now about the outstanding sum

, do you have up to date statements of what is owed,

what interest was applied and for how long,

what charges were added.

 

Importantly has anything been added to the bill after you defaulted?

Share this post


Link to post
Share on other sites

Thanks Ericsbrother!

 

The last info i have is a scan (my scan, don't think i have the actual thing they sent anymore) of a cca i requested in 2013 when i was battling them.

 

Having looked through it,

there is zero mention of my rights to cancel,

and the APR does not state if it is annual/monthly/anything.

 

Kind of thinking as it's dated 2005 it might not be enforceable even if they managed to drag up a copy their end anyway!

Share this post


Link to post
Share on other sites

You are in danger of a backdoor CCJ to your old address that you'll know nowt about

And for £12k Arrows will do that

 

That's the idea of these phishing letters

 

Send arrows a CCA request


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

Share this post


Link to post
Share on other sites

Would they do that even thought they've 'presumed' my current address and have sent a couple of letters here? That sounds highly dodgy!

Share this post


Link to post
Share on other sites

No quite lawful to serve to old address

Its down to you to write to the OC or if sold to the current owner

Of all your debts..not run away

 

Its a gamble you take

And for £12k IMHO they will

 

Just use the search CAG box in the fed top toolbar for

 

Unknown backdoor CCJ

 

And read a few threads


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

Share this post


Link to post
Share on other sites

Westcott are handling it atm for their client, arrow.

Presumably I contact them.

 

Should i CCA wescott to prevent them issuing a backdoor ccj?

 

i figure that might stop everything until it's statue barred, or, the produce a legit CCA and it goes to court with my knowledge.

Is this the best option?

 

For the record,

i borrowed the money for a "friend" who did a runner,

the fees piled on,

tried to track down the friend,

no joy,

 

couldn't get any criminal charges as nothing in writing

(yes, i was young, stupid and trusting)

 

the credit crunch happened,

i suffered a close family death and had a bit of a break down

--- fast forward to today.

Share this post


Link to post
Share on other sites

Wetclothts don't own the debt


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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...