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    • So ,  after sending a letter refusing to accept the refund that was offered i received a phone call yesterday and an email that sums up the conversation i had. I have copied this below.  Good morning Mr Thank you for your email received on 16 August 2019.I’m sorry you disagree with our calculations and felt that my colleague didn’t listen to you.  I understand you don’t want us to make any accountadjustment or accept our proposed solution, until we look at everything again for you.We’re committed to providing our customers with the highest quality services, so I’ll do all I can to help you and put this right.I’m pleased we had the opportunity to talk about your concerns and decide on the best way forward.  As we agreed, here’s a summary of the issues wetalked about:· You requested details of your metered bills and payments (I’ve attached these to this email).· You don’t want to accept the solution we offered, of billing you on our ‘assessed charge’ tariff.· You don’t want to accept the goodwill payment offered £220.00 and feel you could have built your extension 2 years earlier, if we hadn’t charged youtoo much. · The meter readings we billed you for include water used at 74 Scotchman Lane, because you have a shared supply pipe.· You’d like 50% of your water and sewerage volume charges refunding to resolve this.· You’d like interest on your overpayment calculated accurately and based on 8% (not the Bank of England base rate).· You spoke to our technician and you said he advised it would be easy to alter your private pipework, so a meter can be fitted just for your home.· You prefer to pay a metered charge.· I’ll look into the points you’ve raised, and I’ll do all I can to work towards an amicable solution with you.I’ve taken the first step and I’m pleased to confirm that we’ve arranged a meter survey to be carried out on 6 September 2019 (arriving between 10amand 12 noon).  This survey will be done by our service partner ‘Morrison Utilities’, and they can estimate what it will cost you to have the pipeworkaltered, so a meter can be fitted.  Once I have the results of their visit,I’ll give you a call so we can talk about our next step.After we reach a solution and agree how you’ll be billed, I’ll be happy to work out a new interest calculation for you.  We use the Bank of England baserate and this won’t be changed, but I’ll be happy to renegotiate a final settlement figure with you.  If we pay interest, this will be subject to current HMRCtaxation rules.I assure you, I’ll keep an eye on your account and update you on each step we take.  I’ll call you again by 13 September 2019 about our progress.In the meantime, if you’d like to talk to me, please call me on 01274 318452 and I’ll be happy to help.  If I’m not available you’ll be able to talk toa colleague or leave a message.Regards   Personally i am not happy with the email especially as I didnt mention that i would pay for any pipework to be altered. He did say to me on the phone that the pipes after the boundary are ours and therefore our responsibility. I did then point out that if this was the case then there is nothing to stop me cutting and capping the pipe after it enters my property.    I am now going to try work out what the refund with 8% interest is from the figures he has provided.
    • Looking at the thread Im guessing theyre SB?
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Painterman5295

Arrow/Restons and old MBNA CCJ.......CCA request?

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Hi I need some advice about requesting a CCA

ive got a ccj more than 4 yrs old

 

I'm being threatened with a warrant of control from restons unless I fill in a expenditure form

 

is there any point in requesting a CCA

the original debt is from around 8yrs ago and I've never responded to any letters or paid anything

 

Would like to get some info on this

 

Thanks in advance

Edited by dx100uk
Spacing

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CCA is irrelevant as a CCJ is already in place

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Can you give more info on the debt please. Who was the oc. Was it passed to a dca etc


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

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Is Pestons name on the Judgement? Were they the ones who won the CCJ?


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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Is Pestons name on the Judgement? Were they the ones who won the CCJ?

 

Restons are not a creditor...they are solicitors that act for claimants ...


We could do with some help from you.

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Moved to legals

What date is the ccj?


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Hi

original debt is MBNA credit card now arrow global own It and restons are the solicitors acting for them

 

,the ccj is over 4years old

 

took out the card before 2007

 

I've buried my head for around 8yrs

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Scan up the letter to one multipage pdf

 

Read upload

 

I gather this was attained at an old address and you knew nowt about as you moved and didnt inform your creditors?


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Could there have been a 6yrs period before the ccj when you neither used or paid on the card?


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No it's not possible that there was a 6yr gap and it was attained at my present address,

 

I was going through the usual relationship problems and I didn't care about much but

 

I've started to get things together again it's reared its ugly head and I was wondering could I try using the credit agreement as a defence as the card was issued before 2007

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No that ship has sailed as post 2

 

Have you a copy of the CCJ and the claimform?

Did you simply ignore it then?


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Yes I just ignored everything

 

my thoughts were on all the other bad things happening

 

I now realise how stupid I was

 

I've just got to take the consequences now

 

But thanks to all that replied

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Not all lost yet

Post 11 answers please


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Believe me there is nothing to beat yourself up about when it comes to the incestuous world of finance, biggest bunch of corrupt cowboys out there.

 

 

you were just not in a position at the time to give them a bloody nose, but now that's exactly what they can expect, it isn't about sucking it up and righting past wrongs, like DX says, all is still not lost just yet.


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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I'm sorry but I don't understand your last reply could you please make it clearer

Thanks

 

 

Do you have a copy of the CCJ and claim form?


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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No I haven't got a copy of ccj or claims form

I probably binned them years ago

 

i've just got a recent letter saying they will apply for warrant of control if I dont fill in expenditure form ,

the letter has my name , address

 

But doesn't state my name anywhere else it says arrow global v yourself

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phishing trip...

same letter sent to 1000's of people every week.

 

there are 750'000 claimforms issued every year

85% are default judgements that people either didn't receive

because they ran away from debt and moved without informing their creditors

or were too scared to defend it.

 

the 15% of people that do defend, typically win if it done properly, our legal successes forum is proof of this..

 

its a numbers game..

 

ok lets move this on...

 

tomorrow

go ring northants bulk

ask for a copy of the CLAIMFORM and the CCJ by email PDF

lets see what gives

 

get a free SAR running to MBNA [read ALL the posts in the SAR link 1st re old addresses]

lets get all the info they have.

 

also read the rectums letter properly

I bet is DOESNT say WILL anywhere?


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nope

sar to the OC (MBNA)

ring northants


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Iv downloaded a SAR form ,do I tick all the boxes to get all the information including credit agreement and how much is it going to cost

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use our sar..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Iv received a copy of ccj from northhants court they said only 1 copy of claim form exists so not possible to send, who do you think holds that copy?

Iv phoned MBNA for SAR they've agreed to send a copy by email which could take up to 28 days

Is the anything else I could do to help my problem?

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as for a scan of the claimform by email pdf

or ask them to read out the particulars of claim

record it and type it out here verbatum


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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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

spreadsheets 

 

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Iv got a email from northhants court saying why MBNA are took me to county court saying iv defaulted on payment

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