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    • Every few weeks i get a letter from Arrow regarding an old debt. No details just an account number and asking me to contact them to arrange a suitable payment. I know that any payment i last made on a debt was over 8 years ago apart from an agreed ccj which was successfully agreed with help from CAG. The latest letter is they have passed to a specialist doorstep collector who will be in touch. Is it time to ask them for evidence and proof of a debt or should I continue to ignore the letters? They look like standard letters with account numbers added, pretty generic.
    • @Manxman in exilethank you for your input its very appreciated yes I've limited time will see what I'm dealing with when I get back 
    • If you are flying away tomorrow (or rather this) morning I'd just forget about complaining to the police now.  As BF said earlier it's probably just a waste of your time anyway so I wouldn't worry about it.  Forget it for now.  Have a safe flight and concentrate on your other thread against Aviva.
    • I'm afraid you won't get a complaint drafted before tomorrow morning - and I think most others here think it would be a waste of time anyway and that the police decision won't change.  I would ask for a review and make a complaint on principle, but I suspect you are better off concentrating your effort on your other thread and direct complaint against Aviva.   Unless you are out of the country for an extended period I'd wait until your return before considering futrther whwther to complain about the police.   [ By the way, just so that you don't mislead yourself as it's a mistake many people make, ALL agreements are "verbal" in that they are composed of words.  Some agreements are in writing and others are oral, spoken or vocal.  The law recognises oral or spoken agreements just as much as ones that are written down.  The only practical difference is that oral agreements can be difficult to prove in a dispute]
    • Just to add there is a scheme called the Victim's Right to Review.  It basically applies to decisions made by the CPS not to go ahead with a prosecution.  It doesn't apply to decisions made by local police forces, but it does say:   19.  Decisions that are not eligible for VRR include: ... iii where the police or other investigator exercises their independent discretion not to investigate or not to investigate a case further (whether in consultation with the CPS or not) and the CPS have not been requested / have been unable to make a final decision to charge. Requests for review of such decisions should instead be addressed to the relevant police force/other investigator; [My bold] Victims' Right to Review Scheme | The Crown Prosecution Service WWW.CPS.GOV.UK   I'm not familiar with the scheme so can't advise - but other posters here may know about it or have experience of it.  You need to read the above link but note that it talks about things that seem to fit your situation.   eg a victim is defined as ‘a person who has made an allegation that they have suffered harm, including physical, mental or emotional harm or economic loss which was directly caused by criminal conduct’.   If you have not already requested that the police review their decision not to pass the case onto the CPS, then I would do so.  If you are not happy with the outcome of that, complain.   I can't advise you definitely to go ahead and ask for a review or complain, but if I were in your situation that is what I would do.  But I tend to agree with BankFodder that you'll get nowhere and, if you are sick and tired of all this and just want it to go away, then just drop the police.  However, if you don't try...   [Apologies for the italic typeface/font - it's the above link causing it.  The italics should have stopped at the end of the third para above ending ' ... criminal conduct'.  I can't change it.  Very annoying]
  • Our picks

Halifax Visa - Scottiepoll ****WON****


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Hi everyone,

 

Have already got a separate thread for my current account, for which I am awaiting Halifax to enter a defence.

 

Thought I better set up a new thread for my Visa account. I have issued LBA and 14 days was up on the 15th May. Held on because of what happened with Lloyds but now feel confident enough to continue with my claim against them.

 

Just got a few questions.

 

1. Is the particulars of claim the same for Visa accounts as it is current accounts?

 

2. Any other proceedures I have to do differently?

 

My claim is for Charges £453, Interest £153.49 = £606.49

 

Can anyone help? Please

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It is all the same Scottie, So go for it. ;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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Thanks Seaside, Glad to see u won your nephew's claim. Haven't heard anything yet from them - had a letter sent to me recorded delivery today but wasn't in to get it. I wonder if it's anything to do with my claim? Lets hope so, will go and get it tommorow, can;t think what else it can be!!

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Hi Everyone, I WON!!!!! Can't believe it. Was supposed to file court proceedings last Monday 14th May but couldn't (didn't have the money) so tried to do it yesterday and computer was playing up. This morning I received a letter from them offering full refund of charges as a good will gesture. I didn;t think they would buckle before filing at court. I have another claim against them for my Halifax Current account, deemed served on the 8th May, acknowledged on the 14th. Not heard a dickie bird.

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CONGRATULATIONS...!!!!!

 

I am sooo pleased for you, a nice easy one,

 

Now you have a wee bit of cash to play with while you carry on...:D :D

 

I will see to it your title is changed.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hey that's great news! I too have reached the LBA stage for an amount just slightly more than yours for my own Halifax Visa, so I'm hoping they'll do similar with me and just pay up (especially as they ended up paying nearly £4K too on my current account before Xmas!)

 

Excellent stuff. Hopefully they're not going to be silly sausages when the amounts are quite small in the grander scheme of things (although to me, it's another giant leap back towards the land of breaking even!)

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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