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    • Mr Lee helped to grow his father's small trading business into a global industrial powerhouse. View the full article
    • So here's a thought:   The average age of someone dying of Covid-19 is 82.4.   The average life expectancy is less, at 81.4.   The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.   I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.
    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Global Debt Recovery Ltd


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  • 8 months later...
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Does anyone know who arrow global ltd fv 1 Inc are? Only I have had a letter from wescot saying I owe 731.87 and I don't know who too?

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Send the Wescot numpties this; http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

The onus is on them to prove a debt exists, what it is and that they have right to collect.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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  • 2 months later...

First I'd like to thank everyone who has contributed to this thread. I was unlucky enough to receive a letter from Global Debt Recovery Ltd, and made the huge mistake of phoning the company.

 

First off, I was curious, as the letter gave very few details, as others have written on this thread. It gave an account number, and asked that I contact them. It turned out that they were chasing money from an old Lloyds bank account from 1996. The man on the phone was the rudest person I have ever had the misfortune to speak to. He reduced my wife to tears, insinuated that I was opening bank accounts without my wife's knowledge, called her stupid, told her to shut up, and threatened me with the police.

 

I have to marvel at his manner on the phone. I like to think of myself as pretty switched on with the ways of the world, but this obnoxious prat gives you no time to think when speaking on the phone. I mean, I know that the police would never get involved in a civil debt case, but for a second there, I panicked.

 

Anyway, after several phone calls from the dickhead at Global, I actually went to speak with a guy from Lloyds/TSB. I showed him the letter, and his advice was to ignore it. He told me of this firm, and that it buys old account details, and tries to bully people into giving them money.

 

Afterward, I went home, and found this site via the marvels of Google. I'm so glad I'm not alone, and there are many people willing to help with this matter. After reading up on this thread, I have sent a Statute Barred letter to Global, made a complaint to the right people, and I'm thinking of notifying the police.

 

Yesterday I was frightened. Today, I'm spoiling for a scrap.

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  • 4 months later...

I have also had a letter demanding a payment. Account number and ref number. But no idea who I owe or how much. I tried to phone the number to get the details but they wanted my cc number and it was an automated response thingy so I was no nearer finding out. Then I tried the internet with the same result.

 

So I have sent them an email stating I do not owe anybody any money and consider the letter a [problem]. Hopefully they will now tell me who and what I am supposed to owe. I suspect when my email addy was hacked they used the info to buy something on a buy now pay later style thing. And I get the bill but not the item.

 

Really worried about this as money is so tight. My husband is not well so I have kept quiet.

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whitton..... Do not phone them, secondly never give them any details i.e date of birth, N.I number or full name and address, if this is an old debt over 6 years its statue barred, but if you give them any info confirming who you are they have another 6 years to chase you. If its a new debt that you do not know about, they must give you confirmation to what the debt is, from whom.... others much wiser then me will belong to help you on here shortly, and you will get good advice.

Of course prostitutes have baby's, Where do you think DCA staff come from...............

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whitton..... Do not phone them, secondly never give them any details i.e date of birth, N.I number or full name and address, if this is an old debt over 6 years its statue barred, but if you give them any info confirming who you are they have another 6 years to chase you. If its a new debt that you do not know about, they must give you confirmation to what the debt is, from whom.... others much wiser then me will belong to help you on here shortly, and you will get good advice.

 

 

 

As far as I know, once a debt is "statute barred" it cannot be resurrected - under any circumstances. Being "statute barred" is a total defence in itself.

 

 

Impecunious! :-)

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you might be correct, I was once informed that if they get an admission out of you confirming that its your debt, then they have another six years to chase you for the money, Like I said before better people will be a long to give you better advice then I can......

Of course prostitutes have baby's, Where do you think DCA staff come from...............

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once SB'd always SB'd - NOTHING can change that, even a payment.

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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  • 5 months later...

Let me introduce myself, I am a qualified forensic accountant (retired from active practice). The term forensic simply means that I have specialist qualifications in law. There are two points of law that need to be covered here, Privity of Contract and statute of limitations. Lets look at privity first. Any loan be it a revolving account or an actual fixed term loan is covered by several statutes including the law of contract.

For our purposes the law of contract will do nicely. A contract must contain certain elements to be valid and there are two types of contract. One is called a simple contract and the other is a deed. The difference is that a simple contract must contain an element of valuable consideration e.g. money. A deed does not, such as in a deed of gift, and must be under what is known as seal (it used to be required that this be a wax seal usually impressed, later it became customary to use a red stick on label later still it only needed to be stated that it was under seal.

For our purposes it is only necessary to know that a simple contract must be formed between at least two people and that assignment of the rights to enforce that contract must be with the written consent of all original parties. In other words someone can attempt to sell their rights on but without consent of the other party it is worthless. Only the original parties can enforce the rights; assignment would create a separate and new contract. One of the elements required for a contract is reality of consent, if this has not been given then there is no contract, full stop! The thing that has to be determined is if the person has bought the rights of one of the parties to the contract, in which case they have no rights until the other party or parties consent. On the other hand if they have been legaly appointed agent for one of the parties then they can act on their behalf, it is important to determine who the creditor actually is.

Remember it would be a fraud if the person making the demands says they are acting as agent for the original creditor, but have in fact bought the debt. Force the original creditor to state that the person making the demand is in fact their agent. If this proves to be untrue, and they have sold it on then they commit fraud. A point to remember is that in the case of a debt going to court, this must be instigated by the original creditor or their legal representative.

Always take an active intrest, I have seen cases being taken to court by people who do not have an actual right in the debt, and because it is not defended, won by the plaintiff (person or firm bringing the action) simply by default. The defendant has not bothered to defend, a court can not rule on your rights if you do not take the trouble to let them know the facts in some sort of defence. This right of the original parties in a contract is what is called privity of contract.

The second thing that concerns us is the statute of limitations. There seems to be some confusion on this. Basically it is six years from the last demand for payment. The onus would be on the plaintiff (the original creditor) to show that this demand was actually made. There can not, as some people have been told, be a renewal of the statute, it is absolute and can not be revived. However there is an exception to this statute, and this is if any form of criminality is involved on the part of the debtor. (If the original contract is found to be flawed by criminality or fraud on the part of the creditor this voids the contract in any case)

As for proforma letters those on this site will do nicely. After you have won your point by having them back off or simply not wanting to play any more, do not leave it there. The reason why the various government funded consumer affairs are either not interested or have had their wings clipped (the DTI will tell you that they do not act in individual cases) is that politicians want to be seen to be doing something without actually doing so. Generally the post of ombudsman is given to someone who will simply fill a position until they can retire on a large stipend and then take up non executive directorships with those that they have supposed to have protecting you from. Most chief constables are politically minded self serving seat warmers. If fraudulent ****-bags prosper it is because ordinary people let them. Do not leave it there, write to your MP (you will find them on the parliamentary web sites) requiring them to direct questions to the relevant minister. Complain about the toothless DTI and local departments of fair trading (who incidentally quite often suffer from having half their staff off on maternity leave or long term stress related illness). If anyone attempts to claim money that they know they do not have a right to it is called fraud. If any kind of threat is involved or you feel intimidated (including threats to go to court or to involve the police or bailiffs where there is no justifiable reason) this is not just fraud, it is intimidation. Both are a criminal offence. Report the matter to your local chief constable, make him work for his very handsome salary and pension rights. You will not get any action from Politicians who are mostly fraudulent themselves (expenses scandal, amongst other offences against the criminal code) unless you are prepared to force them to it. And you will not get any action from the police until they are made to realise that policing is not about midnight raids to terrify innocent children over something that could have been dealt with on summons, and neither does it involve lots of breaking down of doors screaming like hysterical teenagers, “armed police”. You will get the kind of government you deserve unless you are prepared to add your own straw to the camel's back.

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Nevertheless a good read. I hope you will be able to give succint advice to people moving forward.

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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  • 2 months later...
And anyone else had dealings with this shower. Have looked at most of the threads but cant find FV-1 or Global debt recovery. So maybe we can all come together on this one . x

 

I have just started my relationship with GDR and Tower Investigation, what a horrible man, they made demands for a llyds tsb debt back to 1991 (yes 1991) £1000 they claim a ccj is attached but I've just done online searches on my addresses but can't find any, just done the letters one for statue barred and the other for proof of documentation and enclosed £1.00 He's of on holiday to southern Italy this month, he had time to tell me that. Don't be intimidated by this company or man, he told me its not up to them to prove I owe the money it's up to me to prove I didn't, at no pint did I deny or acknowledge. I think if you just follow the guides you are given by these forums as I have and it should all be good, he will try to intimidate you, so do not enter into any telephone calls, HE IS A GRUBBY LITTLE DEBT COLLECTER. They buy debts at a fraction of the value of the debt. I know I should not have got into debt but they know NOTHING of my circumstances, I aim to stand firm. Good luck with yours. Graham

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I have just started my relationship with GDR and Tower Investigation, what a horrible man, they made demands for a llyds tsb debt back to 1991 (yes 1991) £1000 they claim a ccj is attached but I've just done online searches on my addresses but can't find any, just done the letters one for statue barred and the other for proof of documentation and enclosed £1.00 He's of on holiday to southern Italy this month, he had time to tell me that. Don't be intimidated by this company or man, he told me its not up to them to prove I owe the money it's up to me to prove I didn't, at no pint did I deny or acknowledge. I think if you just follow the guides you are given by these forums as I have and it should all be good, he will try to intimidate you, so do not enter into any telephone calls, HE IS A GRUBBY LITTLE DEBT COLLECTER. They buy debts at a fraction of the value of the debt. I know I should not have got into debt but they know NOTHING of my circumstances, I aim to stand firm. Good luck with yours. Graham

 

A CCJ doesn't become SB, but unless they enforce it within six years they will have to apply to a court for permission to do so however;

 

Section 24 of the Limitations Act 1980....

 

(1) An action shall not be brought upon any judgment after the expiration of six years from the date on which the judgment became enforceable.

 

(2) No arrears of interest in respect of any judgment debt shall be recovered after the expiration of six years from the date on which the interest became due.

 

For this reason alone, cc judges would not normally allow enforcement.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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he told me its not up to them to prove I owe the money it's up to me to prove I didn't,
Total bovine excrement and against OFT guidelines.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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