Artheratkins
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Posts
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Hi All, My partner today opened a letter from The money Shop advising that a loan in HIS name had been bought by PRAC Finance. Included in the pack was letters from The Money Shop, PRAC, and BW Legal representing PRAC. Amount is for £915.59. My partner has no knowledge what so ever of this loan, it appears someone has used his ID. Can he ask for a copy of the credit agreement, a copy of the initial application and a full statement? Clearly someone needed to know his personal details, however this is the first written correspondence we have received. Any help or advice would be appreciated . AA
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Thank you. I will do. regards
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Hi All, Another letter from Arrow saying they are still waiting on information, and again if I would like to discuss it or arrange a repayment plan to contact them. Whilst I realise they can no longer claim any money back, is there a standard letter I can send which outlines they have no legal right to pursue contact with me? regards
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Hi, Received a letter today, from Arrows acknowledging that they are still waiting for the information I have requested, they also sent back my postal order, saying they will be in contact as soon as they have the information to pass on to me. They also sent a similar letter a month ago without the PO, saying pretty much the same. As I sent the letter in October, do I now wait and see or is there something else I can be doing? regards AA
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ok all done. posted with tracked delivery. I can not recall the statutory time they have to respond, as the letter says " I expect you to comply fully and properly with this request, within the statutory time limit. " is it 14 days from the date of the letter? A
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I am just getting around to this now, as it went very quiet, then surprise surprise it was passed on to ARC Europe they have managed to get hold of my mobile phone number and it has been mad, text messages, each one I block they use another, they have phones literally every hour. I answered a call and politely told them I would not enter into any type of communication with them except written. today 2 days after that call they send me through a financial assessment sheet to come to a suitable arrangement!! So ive done the CCA, to Arrow Global who still own it, should I send a copy to ARC? regards
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ok so CCA goes to arrow contact details are a PO address Manchester.
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Quotes Moorcroft reference ******** Client Reference *********** and is headed Re: Global arrow LTD. It simply says we have been unable to make contact with you following our recent letter. Our aim is to establish with a repayment plan that you can afford and maintain. Please send your payment proposal before 23/4/16 or telephone ************ within the next 7 days. If you do not contact us following receipt of this letter we may no alternative other than to continue with further debt recovery action. Further action could include this, or another Debt Collection Agency, continuing to contact you by letter or telephone. theres two other paragraphs about talking to trained debt staff and then the offer of a discounted outstanding balance. Its reads like Moorcroft have bought it.
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hey all, I received another letter today, its from Moorcroft and says: Re: Global Arrow. we have been trying to contact you, our aim is to establish a repayment plan. It threatens further debt recovery action. So who so I send the CCA to? Moorcroft or Global Arrow? thank u.
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ok, So il send off a CCA request. Wait for a reply. I do think they will give me the run a round. Il hang about and wait to see what info if any Westcot can come up with.
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Hi, Yes it was a Credit Card originally through Santander, who no longer hold any details on it.!! Cash Cowed??
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it was held by Westcot, I think its Arrow Global. Although I cant be sure, because the letter seems to have disappeared. Its not showing as being sold on my credit file. The letter was asking me to ring to arrange a payment plan. I had a letter from Westcot advising the most recent payment I made has been passed on to the new company who had bought the debt and quotes Arrow Global Id guess I will have to wait for more communication to be sure.
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Hi, I have a default which I am still paying albeit a very small amount a month, the date of the default is 19.5.10. It has been sold on several times. In December they started returning my payments, I have only made one payment since, this week I have received another letter to say its been sold again, and to contact them to make an arrangement to pay. In May this year should the default be erased from my credit file. If I am still paying it how does that reflect on my credit file? or can I just stop paying it. My credit file hasn't been updated on this debt since 12/15. I have never signed an arrangement to pay, I tried to arrange one, years ago and they refused the arrangement, however I continued to pay it regardless. However it still appears as a default not an ATP. I would appreciate any advice on what I can expect to happen. thank you
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Defaults after 6 years - what happens?
Artheratkins replied to kevlo's topic in Credit Reference Agencies
HI, I have a default which I am still paying. the date of the default is 19.5.10. It has been sold on several times. In May this year the default should disappear. If I am still paying it how does that reflect on my credit file? or can I just stop paying it. My credit file hasn't been updated on this debt since 12/15. thank you -
First Direct - combined debt - sent to MCS for collection
Artheratkins replied to lochlisa's topic in First Direct
Hi All, So First Direct can combine loan and any other account if one is in default without consent, call it an overdraft and its still legal? How does that work? AA
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