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| 1 | Debt Help UK / Debt Help UK / Re: possible statute barred debt on: Today at 6:20pm |
| Started by lancydancy | Post by lancydancy | |
| Anyone? Should I just send the £1 letter asking for a copy of the agreement first? | |
  
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| 2 | Debt Help UK / Debt Help UK / Re: ALLIED INTERNATIONAL - anyone had any dealings on: Today at 5:31pm |
| Started by Terri | Post by rameses_qc. | |
| Hi there, and welcome Send them this: Quote: I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter. 1. 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) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxxx. 2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA 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. Send it recorded, so they can't say they didn't receive it Don't use your normal signature, so they can't scan it and fabricate documents As you know, DON'T speak to them on the phone try this first, and come back ifyou need more help |
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| 3 | Debt Help UK / Debt Help UK / Re: ALLIED INTERNATIONAL - anyone had any dealings on: Today at 10:07am |
| Started by Terri | Post by Terri | |
| apologies... further to my last thread, i hadnt finished.... I googled ALLIED INTERNATIONAL and on the DPC registry website found that in '9 out of 10 cases' with this company, they dont hold the correct docs, ie the original or copy of the original agreement, and if so... then they cant take me to court over it and lawfully make me pay?? IS THIS CORRECT?? also, if the loan was taken out pre 2006, it may not have the correct 'prescribed terms' in the original agreement, therefore making the debt unenforcable?? my final query if anyone can help... I have been advised to contact ALLIED by letter re a SUBJECT ACCESS REQUEST? can anyone please help me with a template letter that i can send to ALLIED?? I think this is to request the original or copy of the loan agreement taken out, however if they do not provide me with this ... then what happens next? Obviously im starting to worry now as time is moving on... could they turn up at work or take me to court now?? please help.... thanks so much Terri |
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| 4 | Debt Help UK / Debt Help UK / ALLIED INTERNATIONAL - anyone had any dealings?? on: Today at 10:00am |
| Started by Terri | Post by Terri | |
| hello all, here is my situation inn brief - if anyone could help asap i would greatly appreciate it.. thanks. I was contacted at beginning of june 2010, from Allied international stating they were 'acting on behalf of there client NATWEST' (i took a loan out with natwest in 2003). They grilled me over the phone asking all kinds of questions at which point i refused to answer further. I contacted NATWEST who stated that the outstanding balance had been in fact "SOLD" to AIL and any dealings re the debt would obviously now go directly to AIL, not NATWEST. Since June I have been recieved phone calls several times a day, everyday from 'unknown' numbers, mobile numbers, voicemails and text msgs. Granted i have moved, twice recently, however I then received a letter to my private rented apartment, from AIL threatening that if i did not make full payment they would take that property off me, I contacted them and advised them re the letter and that i do not even own my landlords aprtment etc. AIL then denied sending the letter, bizarre as it has their details on the header!!! I also recieved an illumious yellow piece of card demanding payment in full etc. I do cut them off now everytime they call until i can find a way to deal with this. I googled ALLIED INTERNATIONAL |
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| 5 | Debt Help UK / Debt Help UK / Re: CCJ on: Yesterday at 6:13pm |
| Started by l1awrie | Post by dejected | |
| I must admit that I hadn't thought of doing it in an underhanded way and as such I guess you are right. Martin |
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| 6 | Debt Help UK / Debt Help UK / Re: Anyone heard of ARC (europe)ltd on: Yesterday at 4:39pm |
| Started by whirlwind | Post by rameses_qc. | |
| Welcome to the forum, and thanks for your input and the advice is sound, but unfortunately this thread was from 2006, so will probably be sorted by now | |
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| 7 | Debt Help UK / Debt Help UK / Re: Anyone heard of ARC (europe)ltd on: Yesterday at 1:32pm |
| Started by whirlwind | Post by arc_bullies | |
| I can only stress other people's advice that you should not stress yourself over ARC's phonecalls. They try all sorts of intimidation and bullying tactics but in reality they will not go to court for anything under £300 and are unlikely to go to court for anything under £800. Based on my experience, do the following: 1. Write a letter and send it to ARC, stating: a) that your account with Virgin Active/LA Fitness, etc is in dispute (you don't have to give them any more details than this) and that you will not be paying ARC one penny since you have not broken any contracts. b) that you do not wish to be contacted by phone UNDER ANY CIRCUMSTANCE and upon advice from your solicitor/CAB office you need all communication from ARC to be in written form. If you want to be extra cautious, send this via recorded delivery so that they cannot deny receiving it. eg: Dear ARC, Trevor Munn Ref: xxxxxx Re: Virgin Active/LA Fitness, etc Membership No: xxxxxxx Further to my conversation with your staff member, upon advice from my solicitor please can all future correspondence from you be through written letters sent to the above address [and include the address!!!] Please note that I do not want to be phoned at any time during this dispute as I want a record of all actions. The account above is in dispute and all future intimidating telephone calls from your company will be dealt with by you being informed that you must correspond through written letters. Please acknowledge receipt of this email and update your records. Regards, xxxxxx 2. If you receive any phonecalls from ARC (they will keep calling you from difference numbers, the numbers I have for them are: 0845 270 7365, 07854 149603, 07854 149474, 07854 149153, 01932 251000!!) answer the phone (if convenient) and just state 'I have asked that I be not contacted by telephone but by written letter, please can I take your name so that I can update my records that you are in breech of my request?' If they talk about anything other than their name, just hold firm, and keep asking for their name, and then politely tell them that you look forward to receiving their letter. 3. I received letters from ARC for a period of 6 months. In this time, they wrote several letters detailing that this would be their last, that they are about to hand over to solicitors, that they are adding a penalty fee, all the while stating that it isn't too late to pay  They will then send out solicitors letters (from Trevor Munn, who, I have it on good authority, is just ARC) saying that they are about to book you a place in court, but low and behold it's still not too late to settle this if you just pay now. I received the first of these 'about to book you a place in court' letters in April 2010 - since then they have went back to ARC sending me letters, it just goes round and round. They have since dropped their requested amount as a 'negotiation', despite me not asking for it and telling them that I wouldn't pay them even one penny. I can only stress that you hold firm, and do not give in to their unfounded claims and meaningless demands. For any further advice, please email me and I can provide more help. I just hate to see people being bullied! |
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| 8 | Debt Help UK / Debt Help UK / Re: CCJ on: Yesterday at 7:10am |
| Started by l1awrie | Post by rameses_qc. | |
| Quote from dejected on Sep 1st, 2010, 6:00pm: Lastly, there is no way they could take a CCJ against you without your knowledge, unless that is, unless you are hiding and they cant find you to serve papers on you. Hope that helps Martin Well, actually, they can. Bryan Carter does it regularly, by sending the papers to the previous addresses or the wrong address (allegedly) then obtains judgement by default. Then Lo and Behold!!! he somehow "finds" the correct address when it comes to enforcement action. (again allegedly) Unscrupulous people can always find a way to get a CCJ without you knowing about it. It happens all the time |
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| 9 | Debt Help UK / Debt Help UK / Re: CCJ on: Sep 1st, 2010, 6:39pm |
| Started by l1awrie | Post by l1awrie | |
| Many thanks Martin | |
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| 10 | Debt Help UK / Debt Help UK / Re: CCJ on: Sep 1st, 2010, 6:00pm |
| Started by l1awrie | Post by dejected | |
| Hmmmm Not quite true there. I have had experience of charge orders twice in my life and I can give the examples. 1/ Hypothetically you are my trusted friend and I lend you 10000 for your house deposit. I then apply to the land registry for a charge on the property thus safe-guarding my money in the event that you default or sell up. 2/ you split with a partner with whomb you had a joint home, she applies to the land registry for a charge thus making sure that if you sell up she still gets her share from the equity. In both of these examples there would be no CCJ. No a charge order will not produce any interest or charges, its only a "Hold" over you. Lastly, there is no way they could take a CCJ against you without your knowledge, unless that is, unless you are hiding and they cant find you to serve papers on you. Hope that helps Martin |
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