Jump to content


  • Tweets

  • Posts

    • if an application as this is made at the same time as submitting DQs some court hear both application and normal claim at the the same time. Some courts will have a separate hearing just for the application. If the court informs you of the latter you will normally be expected to submit your statement in objection of the application not less than 7 days pre hearing. If they dont have a separate hearing for the application the application will be dealt with at the normal claim hearing and you will follow directions laid out by the court in your Notice of Application N157.
    • Hi, Attached I've compiled evidence concisely that they are aware the parcel was lost. On page 6 is emails in OCT 2023 where they offer to settle for the previous parcel and I remind them on record that I have an identical case with this parcel 2. Not sure if I should have attached their response where they acknowledge but only want to concentrate on settling the current claim since the footer of their emails says The content of this email is confidential and intended for the recipient specified in message only. It is strictly forbidden to share any part of this message with any third party, without a written consent of the sender. Interestingly, I've also put an email I received from their support after i sent the letter of claim where they claim they only keep records for 6 months. And then after the recent claim response saying they only keep records for 12 months. Thought this was a bit contradicting, is that usable for anything?
    • Thanks Andy, reading through all of that now. Very helpful.
    • Hey so I have an update. I received a letter from them last month saying thank you for request for copies of phone conversations. To assist their search, please provide as many details on specific calls I am interested in as possible "Please note we are less likely to be able to locate calls more than 12 months old and all calls are provided on USB format". They sent a link to provide more information. The SAR came last week. I've looked through multiple times and can't see the call referenced in the March letter - the 2021 call to cancel the accounts.  Should I input the details for the 2021 call specifically on that link or keep everything to letters? Many thanks.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Arrows/drydens - 1998 MBNA card debt


Grub Granny
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1020 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Just an update. 

I have received today a letter from Drydensfairfax dated 29th May. 

My  CCA request was dated 16th May and the PAP was dated 25th May. 

 

The letter states:

We refer to the above matter and confirm receipt of your recent correspondence, the content of which has been noted. 

Please see attached your postal order. 

This is no longer required when requesting documentation.

 

Your account has been placed on a temporary hold while we contact our client with details of your query.

We will inform you of the outcome as soon as a response is received from our client.

We trust this is clear. 

 

However, if you have any queries, blah blah blah, etc....

Do I need to do anything at the moment? 

 

Many thanks

Link to post
Share on other sites

Nope you now ignore until/unless they cough it up

and ofcourse stop paying if you are/were

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

Many thanks for this. 

 

Should I reply and say I am stopping the £20.00 per month payment? 

I don't want to make the current situation worse, I last made a payment on the 25th May. 

 

If by a miracle they find the paperwork what implications, if any, would be caused by stopping the payments? 

I don't want to empower them to demand the full payment now!

Link to post
Share on other sites

no pointless letter tennis!!

they know the score.

 

cant hurt you IF IF IF [doubt it] they latterly comply 

re read your thread please

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

They would have to produce an Original Signed copy of the agreement to enforce it, there is a good chance that they won#t be able to get one, a Reconstitued Agreement won't do for a pre 2007 debt.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

  • 1 month later...

An update.  No update! 

 

Since getting a letter from Drydensfairfax acknowledging receipt of the PAP letter, in fact I had that letter twice, dated 29th May and 13th June. 

 

Also a letter from Arrow Global dated 3rd June saying Drydens Fairfax are dealing with this on their behalf.

I've received nothing. 

 

The original CCA was dated 16th May. 

Do I do anything or sit back and wait? 

My original paperwork must be at the back of a very large filing cabinet!

Link to post
Share on other sites

aw they lost their cash cow and am now having tgo play copy and paste to see if they can con us that the bogpaper they will send claiming to be your signed CCA is just that...

pigs might fly too.

 

dx

 

  • Like 1

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

  • 4 weeks later...

Still no reply with regards to this. 

I've also just realised I was mis sold a PPI on this credit card between approx. 2001 and 2006, before the account defaulted. 

Can't remember the actual dates but I did get a call from them asking if I wanted to take out the protection insurance. 

 

At the time I was self employed and I did ask if it was possible to do this being self employed the guy I spoke to said yes. 

I believe this isn't correct. 

 

I paid the monthly payments and after about 18 months I cancelled them because of the extra cost. 

Is it possible to request the premiums back even if this account is subject to CCA and SAR

 

What's your advice?

Link to post
Share on other sites

yes ofcourse it is.

 

I would simply use the MBNA website PPI reclaim button

things close om the 19th.

 

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

  • 1 month later...

Update. No update.

 

Still waiting for anything from anyone with regard to cca request

 

With regard to the ppi I have received acknowledgement that ppi did exist on this account. A couple of letters saying they needed more time and today a letter from mbna saying they currently don't have enough info to fully assess my circumstances at the time of the sale and could I just fill in an 8 page questionnaire so they can complete their investigations quickly.

 

Now are they trying to trip me up and wriggle out of paying or should I complete and return.

 

They ask questions such as my income at the time which I wouldn't have thought was relevant to ppi.

 

Thoughts please?  

Link to post
Share on other sites

Use the fos ppi questionnaire only

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

  • 1 year later...

open

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 the cca request Last year and many updates saying they were still working on it

 

I received a letter this morning from drydensfaifax saying “unfortunately our client has been unable to provide a copy of the Credit Agreement at present.  

 

Despite the above the balance remains due and owing and it is importance that the matter is addressed”

then follows “for completeness”

the original creditor ref
account opening date

date of default

balance outstanding

last payment amount and date.

 

it finishes with “if the above clarifies matters, we would ask that you now contact us to arrange payment”

 

Link to post
Share on other sites

must be low on free money for their staff xmas party.

 

 

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

why?

 

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

Do nothing least of all pay it No agreement no proof, no grounds to send a claimform.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

you were being cash cowed by a fleecing DCA that holds no enforceable paperwork.

you were  blindly paying because you thought a dca or their dogs had some kind of magical powers over you when they hold nothing,

 

yours is not the next move...other than to make sure you are not being cash cowed on any other debts......?
 

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

  • 4 weeks later...

Drydensfairfax letter today. First para:  this is a letter of claim sent to you in accordance with the Pre action protocol for debt claims.  It encloses info sheet which sets out the basis for sending me the letter, a reply form to be returned if I wish to respond and a financial questionnaire so their client can consider my financial situation when considering my offer. 
What  do I do now?

Link to post
Share on other sites

reply as you did to the last pap letter

 

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

  • 7 months later...

open

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...