Jump to content


  • Tweets

  • Posts

    • Hi Ade,   Stop speaking to them by phone and keep contact in writing only, which you've said you prefer.   Send TT a SAR by post immediately. The data you get back should enable you to see what they think you owe, and how it's made up.   Also write to BW Legal confirming you dispute the alleged debt owed to TT and have written to TT seeking data, so BWL must stop demands until TT have replied to the SAR you've sent them.
    • Please do although obviously I don’t know the facts from your side but at least I can tell you how much of a cut and paste job it is.
    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
    • When I sadly lost my job a while back, i reportd it immpediately to DWP as you are supposed to, but didnt realise at the time that the day I reported to them was the day before I was paid out for the last month. I was actually paid extra whem I left as it was cheaper than redundancy fort the business and at the time it was a good financial move (so I thought).   I was paid on Fri 26th Jan, they paid me out 2 months in one go. I reported to DWP on the 22nd of Han that I was made unemployed, had the letters and evidence. As they spun the story, because of their assesment dates and that, my first payment was on the 1st May and reassured that it works the other way around. That when work starts again, if I dont actually receive money from the company during the assesment period, there wont be an issue as it balances up.   Can I believe this or was it another spun story? I'm concerned that as I'll be paid monthly, (Starting on the 15th paid on the last day of the month), assment ends on the 22nd. Tha they'll take that money into consideration.   I'm just concerned due to the disparity it would cause between 4 odd months I endured with zero income because of how their system works and whatever they ahe in place to counter at this end of the claim.   Anywa, it's just awonder.   Cheers,   Ade    
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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
  • Recommended Topics

Arrow Claimform - old HSBC OD debt


Please note that this topic has not had any new posts for the last 625 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

I have received a letter today from Arrow Global saying their solicitors Drydensfairfax will be chasing an old debt from First Direct (HSBC on the letter).

 

I believe this original debt goes back to the mid 90's, current amount shown is £1,989.

Letter states original agreement was 15.10.07.

I have only ever had the one account at FD from the 90's so I dont know where the 2007 dates comes from.

 

In june 2015 I contacted Step Change to try sort out my debts.

I was unaware at the time that this would only last 1 year before they all started chasing the debts again.

 

This debt was on that list( I think)- back then it was recorded at £1700, so charges have been added since, though its not stipulated, Step Change requested no further charges added. I paid the Step Change charges (£1 for each debt) for the year.

 

However, if their letter states the agreement was 2007 is this still even enforceable?

 

It feels like they have gone through old files and dug ups some to chase, including mine. Ive not had any contact about this debt in the last 2 years to my knowledge.

 

The letter only tells me that the debt is being transferred to sols, but I want to be forearmed as to what to do when they start pestering me again.

 

Is this debt enforceable?

Ive a horrible feeling using Step Change has restarted the clock on the statute.

 

Ive had dealings with Arrow before and they were very aggressive.

 

Never heard of the latest sols they are using in this case.

 

Any advice greatly appreciated.

Robin

  • Thanks 1
Link to post
Share on other sites

When was the last payment to first direct

When was your 1st payment via stepchange

When was your last payment thru stepchange

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... 

Link to post
Share on other sites

Hi,

With First Direct they sent it straight to debt collection agencies after I missed one payment, that was back in the mid 90's.

I was never given the opportunity to pay back FD direct.

 

1st payment to Step Change was around end of June 2016. last payment would have been a year later when the plan automatically stopped ( which I was not informed of at the time that this would happen.) I only realised the payments had stopped a few months later when other sent me collection notices.

 

They have not chased me for the debt in the meantime since it stopped.

 

Link to post
Share on other sites

Ok put it another way

before you joined step change

When did you last pay it?

or was there anytime a 6 yrs gap?

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... 

Link to post
Share on other sites

imho I would ignore them totally until or unless you get a letter of claim from their favourite paperonly fake/tame solicitor.

 

the debt was most probably already statute barred when you started with the DMP

they nor the DCA would ever care about that as long as they got paid.

you've probably paid the debts many times over already.

 

no harm in sending HSBC [first direct ] an sar either

get all the info incase it progresses

but sorry you've been cash cowed blind.

use the search of the top red bar 

type inc the quotes

"cash cow"

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... 

Link to post
Share on other sites
  • 2 weeks later...

Yesterday I received my first letter (ever) from DrydensFairfax re the above.

They state that on 3rd August 2017 'a county court claim' was filed against me for the debt.

No court is mentioned.

 

However, whilst they do list a claim number for the alleged CCJ, this is the first I have heard of it.

I have NEVER received any information from any court about this debt, or from Arrow Global previously  collecting for it.

Nor have I had any warning letters prior to anything being lodged, or any opportunity to respond if it was lodged

. Additionally this is a very old debt as listed above.

 

It goes on the say 'if Im experiencing difficulties to call to discuss a plan to pay 'etc giving me 14 days to respond or enforcement action 'may' be taken against me, including:-

 

1. Warrant of control -re a bailiff 'could' visit to take my items

2. Attachment of earnings order- employer could be forced to pay on my behalf via earnings ( Im not employed by a company, I live off my savings and occasionally work for a friend )

3. Charging order 'could' be obtained against my property.

 

The fact that this is all worded as could/ may be/ might makes me feel like this is a ruse to get me to contact them via making threats.

 

Also, if they have had my details for so long why would they wait nearly 2 years to start trying to collect on the supposed CCJ?

Is there an online way I can find out if this debt really has a CCJ attached?

Ive had dealings with trying to call courts before and they take hours to answer the phone.

 

I did not respond to their last letter as I was waiting to see what their next move would be, however, I did check the SRA register and this solicitor does seem to exist as Drydens Ltd since 2016.

 

Please advise what my next step should be.

Many thanks in advance.

 

quick additional note,

just found www.trustonline.org.uk which states it is the Official Statutory Register of Judgments, Orders and Fines for England and Wales on behalf of the Ministry of Justice for the claim number on the letter, this web site states the number is invalid, adding to my suspicions that this is a fake threat.

Link to post
Share on other sites

Contact the court to find out. .  If they havent followed protocol, then the CCJ can easily be sunk.  They might have also got it by the backdoor.

Edited by renegadeimp

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

Link to post
Share on other sites

Just contact northampton and they can advise.  If its a fake CCJ, then you MUST report it.

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

Link to post
Share on other sites

I have sent them an email and will try to get through next week. Just out of interest, how do they get a CCJ lodged 'by the back door' as you put it?

Link to post
Share on other sites

On an old address, or associated.  All they have to show is that they sent it to the last known address.  Then as soon as its filed, they magically find your current one.

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

Link to post
Share on other sites

go check your credit file

dx

 

did you get that sar to hbos running?

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... 

Link to post
Share on other sites

 I downloaded a copy of the SAR from your site ready to add to and send but wanted to wait and see what the first letter threatened before launching any kind of attack as such.

 

I am slightly baboozled by the SAR thing as I have moved around a lot in the last 30 years since this debt began at HBOS including being out of the country for 5 years and several addresses in UK after that.

Also, Im not really sure who/ where to send it to.

 

"Bank Fodder' who added the file on  your link states 'SAR always goes to the original creditor regardless to if the debt has been sold to no powers Debt collection agency"  - how can they be 'no powers' if they can lodge CCJs in your name and use and old address to 'back door' it as suggested above?

 

Seems like quite a lot of power from my perspective if it forces me to pay something that should have been statue barred perhaps.

The link to the ICO from your site does not work. Ive looked at their site and cant find a way to get HBOS controller address to send a SAR to.

Link to post
Share on other sites

no you should have gotten it off 

the fact that this debt is owned by a dca is nothing to do with hsbc and cant effect anything by sending it 

the hbos address is in the address sticky on the hbos homepage.

 

a dca is just like you or me

if we think someone owes us money

we can issue a claimform via the mcol court.

they have zero legal powers just like you or me and are not bailiffs either

 

I would say this debt was statute barred before the ccj.

 

go get your credit file please

see if the ccj shows.

make sure all of your old address show on your credit file if you cant see the ccj.

dx

 

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... 

Link to post
Share on other sites

No

Go get your credit file 

 

 

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... 

Link to post
Share on other sites

Who with

Try noddle

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... 

Link to post
Share on other sites

Hope you havent been in touch with drydens

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

Link to post
Share on other sites

In the meantime

as you cant really do alot till monday now

scan up the letter you got to one multipage pdf 

read upload

 

i would suspect you searched the wrong address on trustonline 

Thats why youve not found the ccj.

 

Dx

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... 

Link to post
Share on other sites

after some faffing about Ive managed to get my credit file from Noddle instead.

 

The good news is there are no CCJs on there at all.

Bad news is there is a default which does not belong to me for a fictitious £40 debt from Lowell is. (grrr!)

 

Also a default from Link Financial who tried to get a money claim on me a few months ago, then did nothing after I challenged them via responding to the court claim. ( Think that was unenforceable.) Ive had no contact from the court or them about that, but its still on my file.

I digress.

 

There is no record of this debt or a default for it on my file at all.

In fact HSBC are not listed anywhere on the report.

 (YAY!)

 

I have not contacted Drydens yet or responded to any letters.

I have prepared the SAR and will send it Monday now Ive found the address to send to.

Should I add anything to it other than my previous addresses, how far back should I go?-

 

Re the letter from Drydens, which seems to be a ruse to get me to contact them,

I think someone mentioned above that I should report that if I found it to be  a lie - if so- where to and what should I state?

 

The only addresses listed for me are ones from after I returned from abroad in 2005

( 2007 on credit file as that's when I moved out from the rented into my own place)

Link to post
Share on other sites

ok looking better

don't do anything yet scan up the letter to pdf please

don't use the phone or email to discus any debts

 

as for the sar, list addresses since you last told hsbc where you lived.

 

as for link, it would have been the oc that registered the default. before or upon sale.

 

dx

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... 

Link to post
Share on other sites

From a quick google of other consumer sites, it seems drydens  saying they have a CCJ when they know they dont , is their current normal business practice.  They need to be reported, and dont let them say its an admin error.    If it was an admin error then it shows that their entire procedures arent fit for purpose and need investigating.

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

Link to post
Share on other sites

Dx100Uk-  who is the OC please? I have no intention of contacting Drydens yet.Should I include addresses only in this country-not when I was abroad in the SAR? Scan of letter added as requested.

 

Renegadeimp- thanks for checking, Ive had a look myself and it seems like a common ruse to scare folks to pay up.

This debt does not even appear on my credit report, ( assume because it is so old) neither does Arrow Global or Drydens appear there.

 

There are no CCJ's listed-their letter states a CCJ was lodged on a specific date in 2017-more than enough time -and recent enough for it to have appeared by now.

 

I am more than willing to report this if someone can tell me who, and what address, to report to.

drydens.pdf

Link to post
Share on other sites

original creditor

only uk addresses since you last updated hsbc

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... 

Link to post
Share on other sites
  • dx100uk changed the title to Arrow Claimform - old HSBC OD debt
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...