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    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
    • Yes, I believe the Starbucks was closed at the time the car was parked there 
    • hi lolerz many thanks for your reply and help. My 2 months has passed i was waiting until the court proceedings started. As i went through this process not that long ago, i shall look back at my old thread for how to respond. Ill get the docs scanned soon thanks.    
    • Dave, You're probably thinking along the same lines as me. The NTK says "The reason for issuing the charge notice is: Parking longer than allowed" From memory, I think one of their stupid rules is that if 'Bucks is closed, you're not allowed to park at all.
    • Yes, Nick is spot on. Also, can you remember if Starbucks was closed when you were there?  I ask as I'm trying to work out what MET reckon you did wrong.
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dencha v Arrow Global Receivables Management Ltd


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New link started from http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/80182-dencha-lowell-portfolio-1-a.html

 

CCA request posted today to Arrow Global via Special Delivery (guaranteed).

 

 

 

 

 

11 April 2007

Reference: XXXXXXXXXX

Arrow Global Receivables Management Ltd

57 - 61 Mortimer Street

London

W1W 8HS

Dear Arrow Global Receivables Management Ltd:

Subject: Paragon Personal Finance/Loan

Your letters dated 13/12/2006 and 30/03/2007 are noted.

Consumer Credit Act 1974

I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I correspond further on this matter.

You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 – (s.77 (1) for fixed sum credit). I enclose a cheque no. 100680 to the value of £1.00 in payment of the statuary fee. This is not to be applied as any kind of payment to the disputed account.

A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the Consumer Credit Act 1974.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the Consumer Credit Act 1974 and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

Communication will be in writing only.

Personal visits by Arrow Global Receivables Ltd or its agents are refused.

Yours Sincerely

My Name

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

Nice one Arrow.

 

Put a default on my CRA 3 days after signing for CCA request. Well into one month now.

 

Arrow have been prescribed a dose of Default Removal medicine at the end of this period.

 

Strange they should put a default on a debt that is still being paid to another DCA which started a long time before this forum started.

 

You can guess where my next CCA request will be going.

 

dencha

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  • 4 weeks later...

Dencha

 

I am in the same boat as you with Paragon/Arrow. I have requested both the CCA and deed, but no joy. They have issued me with court papers. Here is my link. http://www.consumeractiongroup.co.uk/forum/general-debt/96300-arrow-global-receivables.html

 

It would also be worth taking a look at this link, laiste seems to know what she is on about. http://www.consumeractiongroup.co.uk/forum/general-debt/73679-illegal-ccj-account-desperate-8.html

 

Just worth noting that on the claim form the date they stipulate is not the date of the agreement I have asked laiste for some advice. They phoned me the day after sending out the court papers saying there were willing to accept a lower monthly repayment.......no chance:x

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  • 2 weeks later...

Thanks for the links Steve.

I have now received an LBA from Copes solicitors. Arrow have not replied to the CCA request and have put a default with the CRA,s which I am presuming they cannot do without the CCA.

 

20June20071.jpg

 

If anyone can help in wording a reply, it would be appreciated.

 

dencha

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Wow, funny that is the EXACT same letter they sent to me. I chose to disregard it! When I got the usual chasing phone call I stated that I owed their client no debt, that I had requested and not received the CCA or DOA and that no further discussions would take place until these were provided. I was subsequently issued with a default notice and Court Summons within 7 days of each other. I have filed my defence requesting a stay as I still have not received a copy of the CCA or DOA......funny that!:D

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I think I will approach this in a different way. As they have already put a default with the CRA,s without a default notice, I will send copies of everything to the TS and Information Commissioner with a covering letter to explain what has happened so far.

 

I will then reply to the LBA stating that their client has had plenty of opportunity to supply the CCA etc, but as the statutory time limits had passed files have now been sent to the TS and ICO.

 

See what happens.

 

dencha

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Subscribing.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thanks to Rory32 I could not resist the temptation. Going out in the morning.

 

 

 

 

 

 

 

XXXXXXXX

XXXXXXXXXX

XXXXX

XXXXXXX

 

 

26 June 2007

Your Ref: XXXXXX

Cope's Solicitors

Unit F

The Courtyard

Alban Park

Hatfield Road

St Albans

AL4 0LA

Dear Cope's,

Subject: Arrow Global Receivables Management

 

 

Thank you for your letter dated 18th June 2007 in which you inform me of your intended legal action.

 

I would however refer you to my letter sent to your client on 11th April 2007, delivered and signed for on the 12th April 2007, Via Special Delivery Guaranteed Next Working Day, in which I requested a true copy of the credit agreement and a true signed copy of the deed of assignment. The statutory fee of £1.00 was included with instructions that the statutory fee was not to be applied in any way to the disputed account. The £1.00 statutory fee cleared my account on the 11th May 2007. Against my instructions the £1.00 fee has been applied to the disputed account.

 

To date your client has failed to acknowledge this request in any way except by cashing the £1.00 statutory fee, whether by confirmation of receipt of the letter or by supplying the requested documents. The documents I requested should be readily available as proof of their legal right to collect on this account.

 

In my letter of the 11th April 2007 I made a formal request for a copy of the signed, executed credit agreement for the above account under Section 78(1) of the Consumer Credit Act 1974 – (s77 (1) for fixed sum credit).

 

 

 

 

The Consumer Credit Act allows 12 working days for a request for a true copy of the credit agreement to be carried out before your client defaulted. If the request is not satisfied after a further calendar month, your client commits a summary offence. These statutory time limits expired on 30th April 2007 and 30th May 2007 respectively.

 

As you are no doubt aware, Section 78(6) states:

 

If the creditor under an agreement fails to comply with subsection (1) -

 

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.

 

Therefore on 30th April 2007 this account became unenforceable at law.

 

As your client has Failed to comply with a request for a true, signed copy of the said agreement, and other relevant documents mentioned in it, any legal action you pursue will be averred as both Unlawful and Vexatious.

 

Furthermore, I shall counterclaim that any such action constitutes unlawful Harassment.

 

Further, it has come to my attention that your client has registered a Default with the Credit Reference Agencies regarding the disputed account when it appears they do not have the legal right to do so.

 

I take great exception to this Defamation of my character.

 

Please note your client may also consider this letter a statutory notice under Section 10 of the Data Protection Act 1988, to cease processing any data in relation to this account with immediate effect. This means they must remove all information regarding this account from their own internal records and from my records with any credit reference agencies. Should they refuse to comply, they must within 21 days of the date of this letter provide me with a detailed breakdown of their reasoning behind continuing to process my data. It is not sufficient to simply state that they have a ‘legal right’, they must outline their reasoning in this matter and state upon which legislation this reasoning depends.

 

Should they fail to respond within 21 days, I will expect this to mean they agree to remove all such data.

 

Furthermore, they should be aware that a creditor is not permitted to take Any action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and as such the following would apply:

 

 

  • They may not demand any payment on the account, nor am I obliged to offer any payment to them.
  • They may not add any further interest or charges to the account.
  • They may not pass the account to any third party.
  • They may not register any information in respect of the account with any of the credit reference agencies.
  • They may not issue a default notice related to the account.

I shall of course report your client’s actions to any such regulatory authorities as I see fit.

 

I trust this clarifies the matter for you.

.

Yours Sincerely,

XXXXXXXXXX

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Glad to be of help dencha.

 

Further, it has come to my attention that your client has registered a Default withthe Credit Reference Agencies regarding the disputed accountwhen it appears they do not have the legal right to do so.

 

Just remember to press that "space" bar ;)

  • Haha 1

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 5 months later...
3 pages of post #12 should be sitting on someones desk by 1pm thursday.

 

dencha

 

JUST checking these characters out as noticed the word receivables in the Arrow global name

 

the space london

 

well here is a link to the building you can actually see a flor plan ( little brother bites big brother!!)

we also seem to have

 

Intelligent PR

Public Relations Consultants (Office & Administration) based in the Mortimer Streetarea of London

Tel: 020 71017191

Address: 57-61 Mortimer Street London W1W 8HS

==========

Fashion Fair

Beauty Products (Warehouses Wholesalers) based in the Mortimer Streetarea of London

Tel: 020 71017250

Address: 57-61 Mortimer Street London W1W 8HS

============

Catalysis

Public Relations Consultants (Head Office) based in the Mortimer Streetarea of London

Tel: 020 71017300

Address: The Space, 57-61 Mortimer Street London W1W 8HS

=============

 

very impressed { NOT} am sure they don't rent an "egg box ?" (for 6 workers?)

 

ok back to these jokers

we have asked a question on a similar thread

 

http://www.consumeractiongroup.co.uk/forum/general-debt/96300-arrow-global-receivables.html

 

 

 

WHY is (was) this company sueing you under the name

 

Arrow Global Receivables Management Ltd

if we have used an incorrect name can someone please correct it

 

can someone find out if as we suspect this is a jersey registered company ??

:cool: sunbathing in juan les pins de temps en temps

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ok

 

we have

 

Company Name:

 

ARROW GLOBAL RECEIVABLES MANAGEMENT LIMITED

Company No: 05875306

Registered Office:Incorporated: 13/07/200620-22 BEDFORD ROW

LONDON

WC1R 4JS

WC1R 4JS

 

Company Type: Private LimitedReport Status: Full DataAccounts Type: UnknownLatest Accounts to: ?Latest Return to: 13/07/2007

 

 

they are managing the receivables (securisation)

:cool: sunbathing in juan les pins de temps en temps

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Their reistered office in Bedford Row is actually still the address of the company formation agents. Arrow have probably paid a fee to use it to receive official mail etc but don't want to let anyone know where they are operating from. either that ot they are too lazy to tell Companies House.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Hi All, this is the first time I have ever posted on such a site. I am dealing with Arrow Global LLC for my Mum -age 78-for whom I am a carer. She has been paying into a CCCS debt management plan without fail. Arrow sent a claimed assignment, a default and two inviitations to take out a loan with blackandwhite.co.uk -one uses Arrow Global Receivables Management Ltd and the other letter uses a combination of the Arrow letter head with blackand white.co.uk. This was all in July. I have had not had my head in the sand - they were sent details of the CCCS debt management plan and client number. When they requested an updated budget from CCCS in September. She was thus paying into the plan when the letters were received in July they were informed that since my father had just died(September payment, October, Nov-suspended by CCCS) the pensions had stopped and CCCS were at the time wanting to know what the new budget was prior to agreeing it. This was is all logged with CCCS and Arrows new solicitor Mortimer Clarke-who share virtually the same address as Marlin Financial Services-who Arrow in their many guises use for managing a loan. On Tuesday 5 December 2007 I had posted requests(special delivery next day guaranteed) for CCA with a £1 postal order to Arrow Global LLC, Marlin Financial Services and Mortimer Clarker solicitors. The reason I sent a postal order is that CCCS stated they have to cash a postal order where as they can ignore a personal cheque. I specifically wanted the CCA since Alliance and Leicester/MBNA, Arrow Global LLC, Marlin Financial Services and Mortimer Clarke are claiming differing figures! I could not make CCCS understand that the quoted figures are actually going up and down. As in one figure was sent in July and a lower figure in August and these were not the same as the Alliance and Leicester/MBNA were quoting! Court papers arrived today - they have my Mum and a defendant -who is nothing to do with her and lives in Haywards Heath. The court said they have been receiving incorrect paper work from Mortimer Clarke and I need to contact them with regard to this.I would like some help in how to deal with this. Since firstly I do wish to defend this case-but CCCS are offering no help on the defence. I have read on the posts that I need a CCA in the first place. I have sent these special delivery 4 December 2007 to arrive 5 December 2007. Then I wish to complain to trading standards about Arrow Globals LLC desire to have my Mum take out a loan -in the same month as defaulting her -so unfair practice. Then there are the differing figures -with no break down. If the assignment figure is incorrect I am under the impression it is not legal. It says on the Court claim form that the amount was assigned on 6 June 2007 -their letter on 3 July states it was assigned on 9 March 2007 -the court papers show 6 June 2007 for this. It would seem to me that Arrow Global LLC decided from the start that they wanted a charge for this loan-which is far lower at £4647.78 than any other credit card debt she has. She is actually willing to pay the cards off on CCCS agreed plan-but I will not let such a criminal company fleece her! Any help is much appreciated.

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This brings up quite a few issues. I'd advise starting your own thread and reposting the text. That way you will probably get more responses and help.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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I will see how to make a thread and post it

This link will help tell you to do things like post a thread http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi Rory32,

Thanks for that. I made a thread - Jdc911 vs Arrow Global. I have read some of your posts. Its amazing that it's better to not even sign your name(just print it) when requesting the CCA. I am going to send a request for information under the civil procedures rules-which was inside a thread for a person fighting the egg card. Would it still be worth requesting an SAR from Alliance and Leicester/MBNA I will send it special delivery guranteed next day. It will have some sort of signature from my Mum on it.

 

Thanks again for your help.

Enjoy your day,

 

John :-)

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