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

Hi

Who is the current DCA that is now chasing?

Andy

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.

a credit card I take it?

sound like you have been cash cowed?

CCA request time me thinks to arrows

Hi,

Yes it was a Credit Card originally through Santander, who no longer hold any details on it.!!

Cash Cowed??

well if satans bank hold nothing

bet your bottom dollar

who ever is trying to fleece you now

wont be able to reply to your CCA request

with an enforceable agreement.

I know what i'd be doing if they cant....

cash cowing

means a no powers DCA

has thru threat-o-grams

spoofed you into paying a debt that's prob not even owed...

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.

Make sure it is Arrow....

" it was held by Westcot, I think its Arrow Global. Although I cant be sure, because the letter seems to have disappeared."

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.

their client 'arrows'?

their client 'arrows'?

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.

Moorcroft don't by debts

which is why they state their client ref number.

ok so CCA goes to arrow contact details are a PO address Manchester.

ok so CCA goes to arrow contact details are a PO address Manchester.

Company Name - Arrow Global. Correspondence Address; 12 Booth Street Manchester M2 4AW;

Reg Company Number; 05606545.

Use the full address Recorded Delivery

or use free proof of posting from the PO counter

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

Yes you can Arther..mark for information only

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

Edit: 12+2 working days

No need for wasting tracked postage money

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

Nothing to do.......

http://www.consumeractiongroup.co.uk/forum/showthread.php?470417-Arrows-Shoe-s-claimform-old-M-S-Credit-Card-debt/page3

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

I think its time to stop the letter tennis and ignore and forget this Arther

Andy

Thank you. I will do.

regards