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    • March 23: As the coronavirus crisis escalates, the UK is placed into lockdown with strict limitations on travel. The Government guidelines state: “You should not be visiting family members who do not live in your home.” The prime minister tells the UK public they "must stay at home". People are warned not to meet friends or family members they do not live with. Those with symptoms had already been told to self-isolate     Friday 27 March: Downing Street On the day Cummings ran out of No 10, his wife, Mary Wakefield, appears to have been already ill, according to her Spectator article about the experience, in which she says: “My husband did rush home to look after me.”   Both Boris Johnson and Health Secretary Matt Hancock test positive for coronavirus, while chief medical officer Chris Whitty says he has symptoms of the disease and is self-isolating.   Mr Cummings said: "I suddenly got a call from my wife who was looking after our four-year-old child. She told me she suddenly felt badly ill." He went home and after a couple of hours his wife felt better and he returned to work. "There were many critical things at work and she asked me to return [to work] in the afternoon and I did." He then "drove up to Durham that night arriving at roughly midnight" with his family.     In spectator articles on 24th and 25th April * Wakefield (wife) wrote in the spectator that Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her * She went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” * Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” * The following days, by Wakefield’s account, were a mixture of family idyll and health nightmare, as she made a “palace out of polystyrene packaging” with their son … even as Cummings’s breathing got so bad that she feared he should be in hospital. But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. That would place the improvement in his condition around Sunday 5 April,     Sat March 28th Is apparently the day Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her His wife went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” 10 days from March 28th – would take us to the 7th April.   Mon March 30: Downing Street confirms Mr Cummings is suffering from coronavirus symptoms and is self-isolating.   Tuesday 31 March/1st April: Durham The police have said that on 31 March they were “made aware of reports” of Cummings’s presence in the area and had then contacted the family to “reiterate the appropriate advice around essential travel”.   2 April: During the night, Mr Cummings' four-year-old son "threw up and had a bad fever". Following medical advice, an ambulance took the child to hospital. He was accompanied by Mr Cummings' wife   3 April: Mr Cummings' son spent the night in hospital and woke up the next day having "recovered". He was tested for coronavirus and his mother, who was with him at the hospital, was told "they should return home". According to Mr Cummings, there were no taxis so he "drove to the hospital, picked him up and returned home". He said he "did not leave the car or have any contact with anybody on this short trip".   Sunday 5 April: The ‘Abba’ sighting (despite claims of ten days where he couldn’t get up with a high fever) Cummings alledgedly seen in Garden with AbbA blaring But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. Which would place the improvement in his condition around Sunday 5 April, … Although the claimed 10 days after the 28th – the earliest point at which Cummings was said to have been symptomatic – would be the 7 April. The Guardian approaches Downing Street about the story, only to be told by a spokesman: “It will be a no comment on that one.” Mr Cummings said "after I started to recover, one day in the second week, I tried to walk outside the house". He confirmed he, his wife and his son went for a walk into woods owned by his father and it was at this point he was seen by passers-by but his family "had no interaction with them". The exact date is not clear but his second week isolating in Durham would have between 4-11th   6 April: At some point in the week leading up to this date, Mr Cummings discussed his decision to travel to Durham with the prime minister. "When we were both sick and in bed," he said, "I mentioned to him what I had done. Unsurprisingly given the condition we were in, neither of us remember the conversation in any detail."   Fri April 10: Number 10 is again contacted for comment regarding Mr Cumming’s trip by the Guardian. Instead of defending the journey, officials declined to comment.   Fri 10th/Sat 11th April: The 14-day period of Cummings’s isolation would have expired on 10/11th April, assuming it is counted from when Wakefield appears to have first fallen ill on 27 March or when Cummings fell ill 24 hours later.   11 April: Believing he had recovered by this date, albeit "feeling weak and exhausted", Mr Cummings said he "sought expert medical advice". "I explained our family's symptoms and all the timings and asked if it was safe to return to work on Monday or Tuesday, seek childcare and so on. I was told that it was safe and I could return to work"   Sunday 12 April: Barnard Castle Wakefield’s birthday, according to Companies House records – they allegedly made a trip to Barnard Castle, a charming town 30 miles from the Cummings’s family property, described on the English Heritage website as having “fantastic views” and “plenty to do for families on a day out”. That detail emerged in an interview with Robin Lees, a retired chemistry teacher who lives in the town. Lees, who says he has a photographic memory, told the Guardian he was “a bit gobsmacked” to see Cummings, and then was so incensed that he made a note of the family car’s numberplate and checked it online when he got home. Cummings acknowledges he drove to Barnard Castle, 30 miles from his parents' home in Durham, with his wife and child. He explained this episode as needing to test his driving was fine before making the long drive back to London. He said he'd been having problems with his vision   Tuesday 14 April: London The Guardian asked Wakefield to confirm whether the family had been in London throughout the lockdown period, but received no reply. Cummings was photographed back in Downing Street on 14 April   Sunday 19 April: ‘bluebell’ woods - Cummings and Wakefield in Houghall woods? Could Cummings have then gone back to the north-east from London? Downing Street is emphatic that he did not. The denial came after another witness claimed to the Guardian and Sunday Mirror that they had seen Cummings and Wakefield on a country walk in Houghall Woods, a beauty spot near his parents’ property in Durham. According to this account, Cummings said: “Aren’t the bluebells lovely?” Cummings says he did not return to Durham   Monday 20 April Cummings seen in London again   May 23: Downing Street statement: “Owing to his wife being infected with suspected coronavirus and the high likelihood that he would himself become unwell, it was essential for Dominic Cummings to ensure his young child could be properly cared for.” The statement said: “At no stage was he or his family spoken to by the police about this matter, as is being reported. “His actions were in line with coronavirus guidelines. Mr Cummings believes he behaved reasonably and legally.” Speaking outside his home, Mr Cummings reiterated: “I behaved reasonably and legally”. When a reporter suggested to him that his actions did not look good, he replied: “Who cares about good looks? “It’s a question of doing the right thing. It’s not about what you guys think.” Later at the daily Downing Street briefing, Transport Secretary Grant Shapps said Mr Cummings had the PM’s “full support” and that Mr Johnson “knew that he was unwell and that he was in lockdown”. Mr Shapps said it had always been permissible for families to travel to be closer to their relatives as long as they “go to that location and stay in that location”. Meanwhile, deputy chief medical officer for England, Dr Jenny Harries, said that travelling during lockdown was permissible if “there was an extreme risk to life”, with a “safeguarding clause” attached to all advice to prevent vulnerable people being stuck at home with no support.   Health Secretary Matt Hancock and Chancellor of the Exchequer Rishi Sunak have tweeted their support for Mr Cummings.   Education Secretary Gavin Williamson said on Monday morning that Mr Cummings had "set out absolutely clearly and absolutely categorically he didn't break the rules and didn't break the law". The attorney general, Suella Braverman, tweet on Saturday in which she quoted the full text of the No 10 statement on Boris Johnson’s chief aide in which the prime minister said he had behaved “responsibly and legally”.   (Disgraceful) Boris Johnson said at the weekend Cummings acted “responsibly and legally and with integrity”   “The PM’s risible defence of Cummings is an insult to all those who have made such sacrifices to ensure the safety of others,” said Johne Inge, the bishop of Worcester, on Twitter.   “What planet are they on?” asked a front page headline in the Daily Mail, an influential right-wing paper usually supportive of Johnson.   https://descrier.co.uk/politics/dominic-cummings-and-wife-tried-to-cover-up-lockdown-breach-in-articles-for-the-spectator/   https://www.theguardian.com/politics/2020/may/24/dominic-cummings-timeline-what-we-know-about-his-movements   https://www.eveningexpress.co.uk/news/uk/timeline-the-coronavirus-lockdown-and-dominic-cummings-trip-to-durham/   https://www.bbc.co.uk/news/uk-politics-52784290   https://www.theguardian.com/politics/2020/may/25/attorney-general-faces-calls-to-resign-defends-dominic-cummings-suella-braverman   https://uk.reuters.com/article/uk-health-coronavirus-britain-cummings/what-planet-are-they-on-no-respite-for-johnson-and-aide-idUKKBN2310UE   https://cyprus-mail.com/2020/05/25/what-plant-are-they-on-press-slams-johnson-and-cummings/
    • simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court. sorry but no speaky..speaky   you night find this interesting?   https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life   dx
    • I've had a few missed calls and then text from RBS wanting to talk about the letter I sent, two posts up.    Am I best to wait for them to write? Didn't really want to get into a discussion with them about it ideally!
    • I haven’t even looked.  I doubt some PR bod would have been in the loop.
    • Gove will be rubbing his little hands together in glee. He been quite careful in his limited wording in 'supporting demonic. but he poo'd his own pot a bit with that priority preferential test   No confidence vote (in PM not party).
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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.

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quick quid says I owe £400

news to me

never had any loads or debts,

letters from Arc Europe,

today 3rd letter bit confusing its bog run of the mill printer letter

 

a) we could now take steps to prepare a County Court Claim

 

b) latter in letters says payment or a court claim can be prepared 14 days after the date of this letter

Dated 28 Dec received 2 Jan

 

c) further down says, if unpaid our client (QQ) could apply for a formal court judgement and recorded on credit reference etc

 

letter one

I sent a reply saying no go,

not known debt an quite some legal quotes and prove the debt is mine

- they ignored that and sent letter two

 

Letter two pressure to pay

- I replied and said same and harassment etc ombudsman etc

 

letter three as above

 

Confusing - how should I react now is what I need to know

 

Copies/text of letter I can post is needs be

 

Many thanks in advance

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If you can scan and post up what you sent them that would be great! :thumb:

 

Welcome to CAG..

 

The first problem is that you sent them anything in the first place!

 

Have a look at your credit files, just ensure they've not left any mucky paw prints on it.

 

Because you have been corresponding with them, instead of ignoring them, they now believe they have hit their target.

 

IMO, I'd ignore them, keep a diary of events, especially regarding any harassment they may wish to conduct.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Bazooka Boo, thank you for your reply

 

I get what your saying re contact

I have been extremely careful what I have said

 

I hope your be pleased,

ie not my debt and for them to prove it's my debt,

as I understand anyone can request this and they can not take further action until that request is complied with which of cause has not.

 

They can not and do not have proof as I have never had any debts or loans in my life

 

I have also added the warnings in the letters

- I will sort the EXACT text of the letters for you.

 

I made them from reading on the internet before I joined here as now I am fed up but will never give in an pay,

they are just trying to scare me I think which also will just not work

 

I will sort and post ASAP in the morning,

many thanks again and hope you like my work and can advise me better

 

Never taken out loans or filled signed anything

 

Letter one: from me

 

15 October 2017

ARCEUROPE Limited

Kent House

Churchfield Road

Walton-on-Thames

Surrey KT12 2TU

Dear Sir/Madam

 

Account No: abc

Our Ref: xyz

 

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

 

I would point out that I have no knowledge of any such debt being owed to CREDITOR.

 

I am familiar with the Consumer Credit sourcebook of the Financial Conduct Authority (FCA) which states the following rules.

 

"A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3

 

A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1

 

"Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3

 

"Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm (and not the customer) to establish, as the case may be, that the customer is the correct person in relation to the debt or that the amount is the correct amount owed under the agreement." 7.14.4

 

"A firm must provide a customer with information on the outcome of its investigations into a debt which the customer disputed on valid grounds." 7.14.5

 

"Where a customer disputes a debt and the firm seeking to recover the debt is not the lender or the owner, the firm must:

 

(1) pass the information provided by the customer to the lender or the owner; or

(2) if the firm has authority from the lender or owner to investigate a dispute, it must notify the lender or owner of the outcome of the investigation." 7.14.6

 

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I would ask that no further contact be made concerning the above accounts unless you can provide evidence as to my liability for the debt in question. I remind you my request is all communication is made in written form and I request is made in writing.

 

In addition, if any default, adverse information, or account details have been reported to the Credit Reference Agencies regarding this account, I require you to remove any such information forthwith.

 

Recording false and inaccurate information on Credit Reference Files is a breach of the Data Protection Act 1998, and may also constitute an act of defamation on your part.

 

I await your written confirmation that this matter is now closed. Otherwise, I will have no option but to make a complaint to the Trading Standards Department and consider informing the FCA of your actions.

 

If appropriate I will also take this matter forward as a complaint to the Financial Ombudsman Service and Information Commissioner's Office.

 

 

Yours faithfully

 

Letter two from me

 

 

 

11 November 2017

ARCEUROPE Limited

Kent House

Churchfield Road

Walton-on-Thames

Surrey KT12 2TU

 

 

Dear Sir/Madam

 

 

Account No: 123456

 

You have contacted me about the account with the above reference number, which you claim I owe.

 

I have no knowledge of any such debt being owed to.....

 

I am familiar with the Financial Conduct Authority's (FCA) Consumer Credit sourcebook which states the following.

 

"A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3

 

"A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1

 

"Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3

 

If you do not stop collection activity whilst investigating my dispute, you are breaking FCA rules and guidance.

 

Also, ignoring claims that debts have been settled or are disputed and continuing to make unjustified demands for payment is harassment.

 

Please do not make any further contact about the above accounts unless you can provide evidence of my liability for the debt.

 

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to my local trading standards service and consider informing the FCA of your actions.

 

I look forward to hearing from you.

 

Yours faithfully

 

As I say not sure if this is correct, friend helped me and this is what we pieced together from the internet clearly ARC are not reading, care or bothered

 

I guess its a case for knowing what to do and when or what not to do etc

 

I can scan the letters from ARC if that helps

 

Many thanks again

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have you moved in recent years?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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hi dx100uk thanks for your reply

 

No been here donkeys years, never had any problems before

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well either someone has used your details to obtain stuff

or yours is a similar name to someone they are after.

 

pers I would never ever reply to any DCA

they are not bailiffs and have zero legal powers.

 

if you want to do anything deal with QQ directly and complain.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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^^^DITTO^^^

 

Silly children are barking up the wrong tree.

 

ARC are not reading, care or bothered

 

Exactly that, hence why it is futile in sending these clowns anything, not only can they not read, all of their responses and letters are spat out by a computer, with no human input whatsoever.

 

Like petulant children, ignore them and they get bored and go annoy someone else.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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if you get any more begging letters

a stiff letter to QQ is in order,

if they still persist then you will need to send a SAR to them and then you will be in a position to beat them with their own stick.

 

I bet someone has used your details to get a loan sent by BAC and the only correct bit will be their bank account details.

 

Once you have this detail from QQ (they will have to supply it because as far as they(and the law) are concerned it is YOUR data you will have all you need to report them to the FCA for failing to use any sort of due diligence before blaming you for their problems.

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Ok many thanks everyone for the information, some you will some you lose and some you just dont know about, wish I had

 

Ignored totally they will be anything they send, so much for being nice and honest and of cause costs me time and money

 

I will only worry if I get a letter from QQ saying actions to be taken right?

And at which point I go for a SAR etc ?

 

Many thanks again, feel loads better. Thank you

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write to QQ

COMPLAIN

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi dx100uk, ok so what do you think I should write, bar the obvious ie the history and situation etc

 

Anything I need to do, write or say?

 

Thanks so much for everyone advice and help means a lot, thank you again. Of cause I will keep posting step by step so everyone can see and maybe can help them also, all this is really not nice

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well your letter to arc will have been totally ignored

 

briefly start again.

why simply tell QQ you never took this loan out and to get their facts right

have they trashed your credit file.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi, thanks for the reply

 

not sure re-credit file, need to find out how to check

 

Ill sit tight for the 14 days see their next move I have not replied as advised here.

 

yes you right ignored and pointless writing to ARC I did not know any better at the time

 

If i get any more Ill write to QQ and state facts and go from there.

 

I will posts all letter up for everyone

 

Thanks again everyone, thank you

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noddle

clearscore

Experian

all are free


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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if your credit file has been trashed you need to write and complain and seek financial compensation.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi, really? Blimey thank you so much I will run through these and post up finding

 

Thank you!

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noddle

clearscore

Experian

all are free

 

Hi dx100uk, hope you're well

 

tried noodle couple times askes loads personal information is it safe?

 

Also I do not have credit card or debit card just an ATM card, that's it I am a cash only man, so I can not get past that section

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https://www.gov.uk/government/news/o...credit-reports

 

Consumers can now view their credit reports online for just £2 following an agreement with the three major credit reference agencies.

 

 

Victims of ID fraud and the financially vulnerable will get free access to their reports.

.

citizenB has just replied to a thread you have subscribed to entitled - Help! - Natwest have instructed capquest - large debt - in the Debt Collection Industry forum of The Consumer Forums.

.

This thread is located at:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=330724&goto=newpost

.

Here is the message that has just been posted:

***************

not all the creditors/dcas report to ALL of the CRAs.. so to obtain a full check, you really need to contact the 3 main players.

.

Company Secretary

Equifax Limited

Capital House

25 Chapel Street

London

NW1 5DS

.

 

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

.

Company Secretary

Experian Limited

Talbot House

Talbot Street

Nottingham

NG80 1TH

 

.

You can either complete the forms online or send a letter (below) with a £2.00 postal order.

.

 

---Quote---

All of the three Credit reference agencies offer a paper version and they only cost £2

.

Noddle (who are part of CallCredit) off free online credit reports but as they are the smallest of the threee, they may not have all the info

.

Experian paper app.

http://www.experian.co.uk/downloads/consumer/cfa.pdf

.

Call credit

http://www.callcredit.co.uk/media/53...itfile-app.pdf

.

Equifax

http://www.equifax.co.uk/Products/cr..._file_0310.pdf

.

Send with a £2 postal order.

.

You can use Experians online free trial. just make sure you cancel before the trial runs out

.

 

Address

.

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

.

 

Dear Sir or Madam,

 

*Limited Data Subject Access Request

s9(2) The Data Protection Act 1998*

.

I hereby request a copy of my Statutory Credit Report, served under s9(2) of The Data Protection Act 1998.

.

I enclose the Statutory Fee of £2 paid via Postal Order, number: 123456.

For the purposes of confirming my identity, I can confirm the following details:

.

*My full name*:

.

*My Maiden Name: *

.

*My Date of Birth*:

.

*My current Address*:

.

 

I have lived at the above address for XX years.

.

 

I note that under s7(3) of the above Act, a data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks.

.

However, I feel the above information identifies me sufficiently to discharge your obligations to establish my identity before posting my Credit Report.

.

I am aware that you have 7 Working Days to post the Credit Report to me, commencing the day after this s9(2) Statutory Request has been delivered to your Company.

.

*This letter must not be regarded as granting your Company any Data Consent*.

.

Yours faithfully,

.

*Enclosures:

*1 x Statutory £2.00 Fee via Postal Order Number: 123456

.

*Notes*:this letter is being sent via Royal Mail Special Delivery service

---End Quote---

.

there is also

http://www.checkmyfile.com

.

....ends

.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Another letter today from ARCEurope

 

I ignored letter 3 from them as above posts after my two attempts to shake them off, still, no proof of debt as requested. I have no loans never have and have no knowledge of this debt

 

Letter says in short exact wording copied, can scan the letter if better

 

Not paid etc

"A county court claim has now been prepared against you and could be issued to Northampton County Court"

 

I live hundreds of miles away from that Court

 

What will happen next

If this matter is passed to our Solicitors for issue, our client will claim the following

Debt Balance 400

Court Fees 35

Solicitors fees 50

Annual interest (to be adjusted pro rata) 32

total 517

 

As you can see the issue of court proceedings will mean the amount claimed by our client could increase by as much as 117

 

then normal pay how to pay stuff or telephone etc etc

 

What do you think?

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Read it properly doesn't say will anything


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hey dx100uk

yes re read twice since posting and your right the only kind of will is at the beginning ie A County Court Claim has now been prepared, the rest is ifs and but

 

Ignore it?

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