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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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thetroublemaker

Arrow Global CCA reply and change of agency letters.

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Hi there all.

 

I have a question regarding my account.

 

I had a Virgin Money Account which I was paying off interest only for, for a significant time and one i had PPI on.

 

I was paying minimum payment for some time which meant interest and charges only on it.

 

My business failed earlier this year and I am only now coming out the other side with a salary again.

 

The account has been sold to IDEM and noodle gives the following information.

 

Idem Capital Securities

£ 4,471

22/09/2014 Default

Name nnnnn

Address nnnnnnn

Date of birth nnnnnnn

Account type Credit Card

Account number ******6888 0

Account start date 09/05/2008

Opening balance £ 4,471

Regular payment £ £ 1

Repayment frequency Monthly

Date of default 28/02/2014

Default balance £ 4,471

 

I am now being contacted by Westcot about it daily and in letters.

 

I would like some advice please.

 

1 - It seems I can still approach Virgin/MBNA about PPI and charges on this card as I believe i have a claim that may be valid.

Do I contact westcot and advise them that I will be contacting them or not?

 

2 - What should be my next plan?

I have no issue paying this debt off but i see all this stuff about CCA requests and SAR requests etc a

nd I am not sure what I should do, I

 

 

can ring them up and offer £200 a month not an issue.

 

3 - Do they have any legal right for me to disclose my financial details to them as in income and outgoings

- i can see from other threads that IDEM seem to think that they are in their rights to ask lots however I don't know what westcot will want from me.

 

Thanks in advance!

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the PPI reclaim would be against MBNA yes

 

if you don't have all the statements

then send MBNA an SAR.

 

as for wetcloths

 

send them a CCA request.

 

so you took this out in 2008?

 

dx


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

 

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Hi there,

 

Thankyou for the reply.

 

I will be completely honest with you I do not remember if I took it out in 2008 or otherwise - it may have been earlier although 2008 is quite conceivable as a start date.

 

If i can confirm, i send MBNA/Virgin a SAR and I should get back a complete statement/set of statements/info from them.

 

I can then ask Westcot for the copy of the CCA they (should) have on file from me by writing to their registered office address.

 

I have already spoken to them on the phone

 

should i now stop doing that and simply communicate by letter with them?

 

Should i call them and advise of the situation that I am querying this with MBNA now and will be in touch?

 

Should i write to them regards this?

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stay off the phone writing only.

 

send them a CCA request.

 

if the credit report says 05/08 then they are usually correct.

 

dx


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

 

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thankyou

 

I will get the postal orders made up this afternoon and posted.

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I sent a CCA request to Arrow regards an account on the 4th November.

 

On the 8th November I received a change of agency letter, which i have attached stating all enquiries are to be directed to Moorcroft.

 

Then yesterday I received a letter which seems to be a standard CCA response from arrow, including the phrase "we do not accept we are the creditor" which seems a bit odd as I am assuming they have bought the debt.

 

What is also of note is that in their reply the date of my incoming letter is wrong - it was dated the 4th not the 10th as they state. AND they sent me someone elses letter as well by mistake with the same dates on it - pertaining to a overdraft. Surely this is against data protection rules? Also what should i do about this letter. I can do one of 3 things i think

 

1 - nothing

2 - post the letter on with a covering note explaining it was sent to me in error

3 contact arrow from a withheld number and only give them details of the letter they sent wrongly not mine so they can resend it.

 

Either way at the moment the letter says that all collection activity will be suspended pending provision of the documents. Should I do anything else (i.e. send a SAR to MBNA) or should I wait and see if/until I get the CCA back first. The cynical me says to do the latter as if they havent got that I wouldnt want to rush to provide a signature......

 

Thanks in advance.

 

I am trying to post the letters but i dont have 10 posts. Will come and add reply after I have 10 with Photos on.

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Hi TTM

 

Arrow are the purchaser and they farmed it out to Moorcroft to try and collect...(Although it stays under Arrow)


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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wait for if/when they ever fulfil the CCA response. SAR the OC if you have concerns about the debt or need to reclaim


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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please don't

 

1 spam the forum to get to 10 posts

 

2.you don't need 10 posts

use upload to PDF

 

I've taken down your pix and redacted your name from both pictures for you

and reposted them on post 1 as a PDF.


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

 

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I've merged an old thread about this debt here too for you

 

dx


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

 

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that's letter you got is the std arrows reply to a CCA request.


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

 

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that's letter you got is the std arrows reply to a CCA request.

 

And should be reported as it is misleading


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I got the following letter today as a response from my CCA request of 6 months ago.

 

I assume this means that moorcroft will continue to pursue this debt although there is no paperwork available.

 

Is there anything I should do?

 

Should I write to them officially disputing this now or just ignore them or? ????

cca response.pdf

Edited by thetroublemaker

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Ignore

But not a letter of/before claim

 

Dx


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

 

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Hi, thanks for the reply.

 

As that letter is saying they dont have the paperwork for my CCA request,

I assume now there is no way they can enforce this without producing the documents requested therefore just wait for SBD to roll around?

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No compliant response means you can safely ignore and not pay. They cannot legally enforce the debt through court, although they can keep an accurate record on your credit file and ask you to pay.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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