Jump to content


  • Tweets

  • Posts

    • Should this to be take into court with him or should he send something in earlier?
    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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

Paragon have my debt to Arrow Global, what to do next?


lobo200
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5434 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

Hi

 

Section (b) on that statement says (right at the end) that they may disclose to any credit agency - this seems to contradict the disclosure statement you posted previously.:confused:

See what the 1984 DPA actually says anyway.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

Link to post
Share on other sites

  • 2 weeks later...
  • Replies 52
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

sorry for the delay....

 

It's all on the back of the same form however so not sure what to make of that.

 

Interestingly:

- They have claimed not to have received the SAR request that was sent with the £10 fee via recorded delivery but they have cashed the cheque

- The balance of the account has changed (reduced) in the last 2 months despite no payment being made, even if they had allocated the £10 SAR fee to the account (which my letter told them not to do) it doesn't account for the difference

 

I was told this over the phone, I didn't really bother trying to tell the telephone agent about legal rights to Data etc as it would have been met with the telephone equivalent of a blank unintelligable expression so I'm waiting for their letter.

 

However, as they are not a credit agency, does the above disclosure statement on the CCA hold any ground for dispute?

Link to post
Share on other sites

Hi

 

Does the later doc (Paragon) have any statement on it that they may assign their rights under the agreement at any time to a 3rd party or anything else that suggests you gave consent for data to be passed outside the Group (other than to a CRA - which you consented to by signing)?

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

Link to post
Share on other sites

I didn't find anything else regarding the assignment of rights on the CCA but I'll check when I get home, I'm pretty sure those are the only disclosure statements though.

 

Section 8b on the back of the cca form (the above attachment) is quite confusing though as it mentions I authorise them to check/verify/disclose details of the transaction to a company or 3rd person connected with the business of Paragon or their holding companies.

 

So is the 'transaction' -

The fact a loan was taken out?

Or does this authorise them to sell the loan on and thus pass all personal data on?

Link to post
Share on other sites

Hi Lobo,

 

Not had any reply following my request for documentation from Arrow, they have banked my £1 though, CBS are still ringing me but as I refuse to answer their "data protection" questions so they put the phone down on me,,, anyway have finally sent CBS a letter telling them matter is in dispute and the reason is none of their business, (found on another link) just liked it, anyway also added the line that continual phone calls will constitute harrassment.

 

What I am looking for is a letter to send to Arrow stating they have not fulfilled my request and have committed a criminal offence, what I have find just doesn't seem to fit, any comments or guidance appreciated.

 

By the way they obviously have not got contact details for my ex as they have not attempted to contact her at all.

 

Steve

Link to post
Share on other sites

  • 2 months later...

Hi Folks,

 

A quickie update for you,

 

It's been 5 months since my S.A.R request to Arrow Global, have heard nothing back.

 

Now, previously, when the loan was with Paragon, they had put nothing on my Credit File, nothing at all, not even registering the fact there was a loan.

 

In April, Arrow Global registered a default on the loan and put it on the credit file.

 

No default notices were sent by Paragon prior to this, no official default notice sent by Arrow either (just the usual 'you owe us money now')

 

Now when I spoke to Arrow some time ago about the data protection stuff, the manager I spoke to said they don't hold any of the actual account history etc (letters, correspondence that Paragon would have had) yet the very first letter I received from Arrow advised me that they were now the data owners. Surely this means they *should* have all the correspondence etc.

 

What would the next step be? (if any?) Is Arrow within it's rights to register a default like this?

 

I'm still waiting to hear from them (for about 2 months now) since I forwarded a letter to them I had from Paragon over a year ago with their offer to settle the debt for a quarter of the balance (the letter was not time-limited either).

 

Thanks.

Link to post
Share on other sites

Contact them and ask for a copy of their complaints procedure. You must make a complaint to them before you can complain to the FOS. Complain to Trading Standards, the Data Protection Registrar, Information Commisioners Office and it would do no harm to contact your local MP. That should keep you amused for quite some time. The cowboys think they are way above the law. Fortuneately even a Mickey Mouse company such as theirs is not. They have broken hosts of rules and will be mad to suffer the consequences. Its really that simple. The law is the law.

Link to post
Share on other sites

  • 1 month later...

Paragon provided a joint loan to myself and my former partner about 1997. It went bad about 2002 when I lost my job and she left. I contacted Paragon and set up token repayment plan. Been keeping that going since. Never had anything from them except monthly letters reminding me my payment was coming due. Sent them six monthly copies of my I&E so they could see there wasn't anything more they could get.

They still keep my former partners name on all correspondence despite me informing them, I don't know where she is!

 

Got a letter from Arrow last December telling me they've been assigned my debt by Paragon.

Got a letter from CBS Transcom in January telling me that they had been instructed by Arrow to collect the debt immediately.

Another letter from Arrow in March offering help by partnering me up with blackandwhite.co.uk

Another letter from Arrow in April telling me again that Paragon have assigned my debt to them.

A letter from Transcom in May acknowledging my letter and I&E account enclosing a paying in book for future payments.

Letter from Cope's solicitors June, saying I haven't responded to their previous letters???, that I had been given the opportunity to contact them to commence monthly payments, or increase monthly payments to the rate set by their client. Must contact them immediately to arrange repayment. Legal proceedings in 10 days if no immediate contact.

Letter from cope's August -formal notice of intent to issue legal proceedings - want the full sum - seems to include all interest which should have been frozen back when my problems started. They want it in cleared funds by 16.00 on 13th August or they will issue legal proceedings.

 

I'm going to send a CCA request to Arrow today(copy to Copes*CBS), with a SAR to Paragon any other suggestions??

Link to post
Share on other sites

would suggest sar to arrow or CBS as they are the debt controllers now, paragon have got what they want from arrow/cbs.. cash now... arrow / cbs have not been able to supply me with docs, I have informed trading standards about this they are investigating, also complained to oft and data protection

go for it, let them prove you owe them anything first

Link to post
Share on other sites

  • 1 year later...

holy thread revival :)

 

Well, it's been well over a year since I sent them a copy of the letter from Paragon stating what THEY were prepared to accept to settle the account and also a copy of the SAR letter.

 

To this date I STILL have not yet had a reply to this but they have recently (under CBS Transcom) demanded an immediate installment and subsequent installments in order to clear the overall balance.

 

I'm going to resend one of my old letters stating what I previously requested.

 

Oh and the balance of the account has changed over the last three letters they've sent me! (Since December 2006) although I'll be disputing the claimed amount anyway due to what I believe are going to be unfair interest charges.

 

Any further advice would be gratefully appreciated as to how I can approach the fact that given it's been 14 months since last contact and they haven't provided me with the SAR (despite cashing the cheque for it!!)

 

Thanks.

Link to post
Share on other sites

Ok, how's this?

 

---------------

 

Dear Sir/Madam

I do not acknowledge any debt to your or your clients company.

I refer to my previous letters dated 19th March 2007 & 16th January 2007 where I have stated that the account is in dispute over your clients claim of ownership of the debt, the right to process my data and the Subject Access Request which has, as yet failed to turn up despite the statutory £10 fee being cashed in respect of this request.

You were required by law to supply me with this information and have failed to do so within the prescribed period.

To re-iterate, you were required to provide the following

1.) Proof of ownership of the debt (Under S.189 of the CCA 1974)

2.) Under section 7 (1) of the Data Protection Act you were required to provide me with all information held on record relating to the account in dispute.

In addition, under the Data Protection Act 1998 you cannot asume the right to process my data without my written consent, this has not been provided, with exception of the information (2) that I had previously requested that you supply me.

As you have failed to provide the requested information for 14 months this constitutes non-compliance of the request made and is a criminal offence under the above act. As a gesture of good will, I shall permit a further 14 days for you to provide this information before I take this matter further.

As the account is in dispute and the above information has not been provided as required by law, any legal action that you may contemplate with be both vigorously defended and contested.

Further demands for payment will be regarded as harrassment and legal action will be pursued.

Link to post
Share on other sites

  • 2 weeks later...
  • 3 weeks later...

Hi, I'm new to the site and need advice about Arrow Global LLC/CBS Transcom, as they are threatening to take my husband to Court over a debt passed to them by Monument (via Raphael's Bank and Compucredit International Aquisition Corporation).

 

We don't dispute the debt is owed (it was run up along with others during a time when we were going thorugh a set of difficult and tragic circumstances) and we are making regular payments to a number of creditors (including them). However, they won't accept the payments offered and they've asked for bigger payments than we can afford.

Everyone else has been helpful (so far).

 

I've been reading your 'threads' about these companies and Data protection and, wondered if there was anything I could do to avoid this going to Court.

 

I didn't know how to start a new 'Thread'....

Thanks

Link to post
Share on other sites

  • 1 month later...

Guys

 

I could really do with some help/advice. My wife and I took out an 15K unsecured loan with Paragon Finance in 1999, moved house with work in 2001 and in 2002 contacted Paragon to say we were having difficulty in meeting the payments on our loan. I THOUGHT we had agreed reduced payments and a freeze on interest, made contact on a regular basis with Paragon to review payment and they seemed very understanding and helpful. Moved house in 2003 and kept in contact with Paragon. As part of our regular reviews they contacted me in December 2006 to say the 'account' stood at £7200 told them I couldn't make a one off payment to clear this amount and they aggreed to continue with the agreed payments. In Jan 2007 Global contact us in writing to say that they had purchased the loan and demanding over £28k within 7 days! I duly contacted them and explained my understanding of the situation they stated that there was no 'documented' evidence of reduced payments and intrest being frozen. Disputed the issue and requested original copy of agreement etc as advice by other users of this site. That documentation was not forthcoming within the legal time frame, but did eventually arrive. However I contacted Paragon and asked for a copy of the letter sent in December 2006 stating the amount owed was £7200, they stated debt had been sold and thaqt I would have to request this via Global, who have not responded to the requests to suppy a copy of the letter (surprise, surprise!!!!).

 

Thropughout the process I have received letters from CBS transcom and agreed to contiued with the reduced payments via direct debit, but Copes contact me a few days afterwards threatening legal action the latest letter states: "Do not underestimate the resolve of our client in pursuing this debt", it is still in dispute as I believe that the outstanding amount is £7200 (less the payments made) they think it is now over 40K, I have asked of Global that interest is frozen but no reply and the amount is also registered with credit reference agencies.

 

Any advice etc is welcomed, i did sight a thread that considered getting sworn affidavite from people stating that they believed they had agreed finterset to be frozen, any progress on that?

Edited by DT&FE
spelling
Link to post
Share on other sites

Gu

 

 

 

Any advice etc is welcomed, i did sight a thread that considered getting sworn affidavite from people stating that they believed they had agreed finterset to be frozen, any progress on that?

 

I had Trading Standards dealing with them for a while and Transcom told them that they were no longer dealing with it and the debt would be re assigned to another collector. T S told me to contact them when there is any contact. There has been nothing for three months and weekly phone calls have stopped. I would be up for a collective defence against them as I was grossly misled in phone dealings with them n to believing the interest had been frozen

Edited by Mark26
spell
Link to post
Share on other sites

FolksJust noticed something else from the CCA (that arrived after around 4 requests and outwith the proscribed dates). It asks for "occupation details - main applicant" nothing in the boxes other than time with employer!This was a joint application and CCA also states "occupation details - joint applicant" again all the boxes are blank. Does this nullify agreement?????I do not have the legal knowledge to instigate and collate a 'collective defence' but surely some one out there has. This whole debarcle has had an impact on my dear wife's health, althoug that would be difficult to prove.There must be a gagger out there with the grey matter, resolve and time!

Link to post
Share on other sites

  • 2 months later...

Hi again all, I have a feeling I'm due a Summons in the next few days, I've still not had a reply from them from the letter I posted here:

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1667603.html

 

Can they just go for a summons?

 

They still haven't provided me with the SAR I asked for etc, I've had no phone calls, nothing since August '08

 

Might also add that at this point I've not received a Default notice from either the original creditor (Paragon) or Arrow

 

Any and all assistance is of course gratefully received!

 

Thanks.

Edited by lobo200
Link to post
Share on other sites

  • 2 weeks later...

Well, I received a letter from Arrow today saying they received my letter in September 2008 and sorry for the delay and that they will now process my SAR and will endeavour to process it within the statute time limit. hmmmm

 

Oh, this letter had no date on it either so I'll be keeping the envelope with the post date on it.

Link to post
Share on other sites

Well, I received a letter from Arrow today saying they received my letter in September 2008 and sorry for the delay and that they will now process my Subject Access Request and will endeavour to process it within the statute time limit. hmmmm

 

Oh, this letter had no date on it either so I'll be keeping the envelope with the post date on it.

 

Oh dear!! The Statutory Time Limit has well and truly passed. They had 40 days from the receipt of your request to comply. Time to report them

Link to post
Share on other sites

  • 3 weeks later...

Well, I still have no default notice, no SAR, no deed of assignment, no letter of assignment from the original creditor.

 

Last week I received a letter from their solicitors threatening court action. Have replied back stating what Arrow/CBS have failed to provide.

 

Have also flagged up the fact that on each lettter received from them, the amount owed has fluctuated (I've made no payments). On top of that, Arrow are claiming the amount owed is 4x higher than the amount the original creditor had stated was required to settle the debt.

 

Will see what they come back with. Am also starting complaint procedures on the failure to supply the SAR & the fact they keep ignoring my letters and still demand payment. This has been going on for far too long.

Link to post
Share on other sites

Also had letter from CBS solicitors, didn t hear anything for months and now another DCA is sending me letters., back in to the big circle we go. I have sent them a recorded delivery letter telling them I will have no dealings with them by telephone as my phone dealings with Paragon caused all of the problems. I have also informed them if they want to send their agent to my home, to make an appointment so that I can arrange for my legal representative to be present. They don t appear to like puttting anything in writing ( apart from standard letters ) which makes me suspect that they don t actually look in to individual cases or disputes, and just try to use bullying tactics across the board

Edited by Mark26
spell
Link to post
Share on other sites

  • 3 months later...

Hi all,

 

I'm new to this so don't know whether I should be starting a new thread or not. But I'm having issues with Arrow Global so I thought this would be a good place to start.

 

I got a letter about two months ago from StevensDrakes solicitors on behalf of Arrow Global saying that they had become the new owners of the debt I had with HSBC to the tune of £10,700. This debt dates back to 1998, which started out as a loan for £5000. Having got into financial difficulties in the ensuing years, I ended up paying a number of DCAs a reduced amount every month. Then the debt seemed to drop off the radar by about 2003 or so after I'd moved a couple of times, and I'd completely forgotten about it.

 

I then got a letter from DCA Buchanan Clark & Wells in 2007 giving me a Formal Notice of Default Account, and threatening court action to recover the debt. I then sent them a S.A.R. to which I didn't get the squeak of a reply.

 

Then in February this year, I get basically the same letter from solicitors StevensDrake acting on behalf of Arrow Global. I sent them a letter claiming the Statute of Limitations. Then I got a letter in May, saying the debt was not Statute barred, since I apparently made a payment in September 2005. I've gone through bank statements, and there is no payment to anyone for £25:00 in that month.

 

What should I do now? CCA them, SAR them again, or both?

 

By the way, undying respect to you all. This site utterly rocks.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...