Wescot working on behalf of Arrow Global

[MIKE770]

Re: Wescot working on behalf of Arrow Global

Subject Access Request Letter

[Onestepatatime]

Re: Wescot working on behalf of Arrow Global

Ok so we know that these Debt collectors purchase accounts in the thousands from original creditors. Do you suppose they are issued with all documentation or merely basic details?
So given that they only get basic details, who do you think they go to when they need documents?
So if they can go to the OC for documents then you have that legal right too, so you get all the information from OC that you can this way you know what the DC will obtain should they ask, from this you can establish if the DC is supplying you with genuine original copies or reconstituted documents.
Reconstitued can often be flawed and therefore unenforceable this is the importance of a SAR (Subject Access Request).

[charitynjw]

Re: Wescot working on behalf of Arrow Global

What is SAR? I thought once an alleged debt was sold on you had no dealings with the original company?

Generally, re an assignment via the Law of Property Act 1925, the assignee (eg debt purchaser) receives the rights to the benefit of the agreement (eg payment), but not the burden.
An example would be that if PPI was misold, you would claim from the original creditor.
The Consumer Credit Act, if applicable, changes this to a degree (eg the debt purchaser is required to comply with a s78 CCA request, among other things).

[Warpa]

Re: Wescot working on behalf of Arrow Global

So should I just wait then? Or is there a template letter for an SAR?
I've just won a court case with the amazing help from a solicitor on here and I'm actually able to live a normal life again.
I have 2 disputed debts left and would like to see them gone too, but after my last case I need time to save for fees

[charitynjw]

Re: Wescot working on behalf of Arrow Global

http://legalbeagles.info/library/gui...ccess-request/

[warwick65]

Re: Wescot working on behalf of Arrow Global

Hi

As you have sent a Cca request I would just sit back and wait. Let's not poke the sleeping giant. That is unless they are harassing you.

I have cca requests well over 12months old.

As for the SAR I would wait. If you reply even further threatening letters you could send one then.

Glad you won your other case, I hope Paul was able to get costs for you so you only had a success fee to pay. Was this the case he blogged about.

Sit and wait I think

[Diana M]

Re: Wescot working on behalf of Arrow Global

I have 2 disputed debts left and would like to see them gone too, but after my last case I need time to save for fees

Which are the two disputed debts you have left to deal with, and what are the fees you need to save for?

This forum provides free advice.

Di

[Warpa]

Re: Wescot working on behalf of Arrow Global

Thanks for the replies. Di I'll have to wait till I get home to post the links to the 2 alleged debts as at work on a phone it takes me too long.
The fees would be to be represented legally again.
I agree with what warwick said as I found the court case so stressful.
As we were not allowed to fast track we couldn't claim costs.

Do you have a link to Paul's blog?

[Amethyst]

Re: Wescot working on behalf of Arrow Global

Presumably you mean @pt2537 's blog - it's posted http://legalbeagles.info/forums/foru...-Tilley-s-Blog and the site is here -> https://consumercreditlitigationandd...wordpress.com/ ?

Your other threads ( not sure which one you wanted to link to )

• Wescot working on behalf of Arrow Global
• Nationwide Loans
• Cabot have passed the debt to solicitors
• Letter from Lowells solicitor

[Diana M]

Re: Wescot working on behalf of Arrow Global

Di I'll have to wait till I get home to post the links to the 2 alleged debts as at work on a phone it takes me too long.
The fees would be to be represented legally again.
I agree with what warwick said as I found the court case so stressful.
As we were not allowed to fast track we couldn't claim costs.

Do you have a link to Paul's blog?

I may have a link but it wouldn't be appropriate for me to post it on here since he works for a different firm to my firm which also specialises in consumer credit.

You can claim costs in the Small Claims Track in some circumstances.

Di

[Warpa]

Re: Wescot working on behalf of Arrow Global

Presumably you mean @pt2537 's blog - it's posted http://legalbeagles.info/forums/foru...-Tilley-s-Blog and the site is here -> https://consumercreditlitigationandd...wordpress.com/ ?

Your other threads ( not sure which one you wanted to link to )

• Wescot working on behalf of Arrow Global
• Nationwide Loans
• Cabot have passed the debt to solicitors
• Letter from Lowells solicitor

Ah! That's them except for the Lowell one as that is now finished with.

[Amethyst]

Re: Wescot working on behalf of Arrow Global

So the Nationwide and Cabot ones that you're dealing with now ? ( as well as this Arrow one ? )

[Warpa]

Re: Wescot working on behalf of Arrow Global

Yes and I've not heard from any of them in months.

[Amethyst]

Re: Wescot working on behalf of Arrow Global

That's a good thing I guess you've just got Lowell out the way so thought you'd best start dealing with the others. Will have a mooch through a bit later see where you're at.

[Warpa]

Re: Wescot working on behalf of Arrow Global

Finally got a reply! Even with my poor legal understanding i find this laughable but still need to deal with it. What would you advise on the reply, or should i seek professional advice and have it dealt legally and nip it in the bud?