Naughty naughty, Arrow Global again

[jonni2bad]

You've gotta love this lot, they could fill up a forum on their own...

 

They took over an account of mine in c.Nov 07 and soon after appointed CBS Transcom to mange on their behalf - that's for another thread...

 

Anyway, the last time I checked my CRA files before then was sometime 2006, maybe late in that year. Everything was as it should have been and I made the 'mistake' of destroying the paperwork.

 

My chequered financial past was starting to improve recently and the defaults listed were, I recalled, due to expire either late last year or late this year (there were several!). The original debt now owned by Arrow was defaulted some time in 2003. I thought it was time to recheck my file so sent off for the statutory report at £2 from Experian (initially just from there).

 

I don't mean to sound like Rolf Harris, but "Can you guess where this story is going yet?"

 

You're ahead of me, I know...

 

Arrow Global had, of course, amended my credit files to show that I had defaulted not in 2003, but in Nov 2007 (the date, of course, that they took over the debt). I sent off for the report from the other two CRAs and they confirmed the same.

 

I sense a fight brewing

[Notty]

Hi Jonnie2bad

Know how you feel. I battled to get 5 defatuls off my credit file which I did with the help of CAG in 2007. The last one to come off was a cap one account. They wrote to me saying they didnt accept liability but would pay back the charges and remove the default. They did this then promptly sold my non-existant account to Robinson Way. I eventually got this removed after a battle. You are probably ahead of me. Yes checked the file last week and Robinson Way had put it back on last month. I have contacted Experian but nothing happened yet. What a bunch they all are.

[jonni2bad]

My letter to the three CRAs who hold the information... This one being to Experian (some detailed removed);

 

Consumer Help Service

EXPERIAN

PO Box 9000

Nottingham

NG80 7WP

Xxxxxx

 

Re: Inaccurate personal data – Arrow Global Receivables Management Ltd

Report Reference No.: XXXXxxxxxxx/ Entry Reference Xxxxxxxxxxxxxx

Dear Sirs

 

 

Having recently reviewed my credit files, it has come to my attention that the above named company have erroneously placed information about the date on which my contract with the original lender was defaulted.

The account in question was defaulted under a termination notice executed by the original lender, Universal Credit. Arrow Global purchased the debt, all rights and obligations in Xxxxxxxxx and it is apparent that they have either mistakenly updated my credit files to suggest that this was the date of default or, in the alternative, that the entry has been made with their full knowledge and in contradiction of the Data Protection Act (1998).

This incorrect information is damaging to my reputation and credit-worthiness, and is also the cause of much anguish - any company that searches my file would draw a false conclusion about my financial position.

You have a duty of care not to process incorrect information about me. Furthermore, upon instruction about the error, you have a duty of care to rectify the error at the earliest opportunity.

As the purchaser of delinquent debts it would be clear to anyone that, in order for Arrow Global to be the collector of monies from me, the standard business relationship with the original lender and myself must have broken down BEFORE the outstanding debt was sold to them – this would have been the point at which Xxxxxxxxxx issued a Default Notice – the debt subsequently being sold to Xxxxxxxxxx and then to Arrow Global Ltd.

I am sure that you will also be aware that an account can only be defaulted once and that a default can only be placed after a formal default notice has been served under Section 87 of the Consumer Credit Act 1974.

I have today made a formal complaint to Arrow Global.

If Arrow Global are unable to produce evidence of the date at which my account was defaulted then I would remind you that, as a data processor, you would be in breach of the Data Protection Act for continuing to publish inaccurate personal data about me. Under such circumstances, you are obliged to remove the entry in its entirety.

If you retain archived copies of previous paper reports then you will be able to access the true date of default from a report I ordered from you approximately 2 years ago. I imagine the debt will be shown as owned (at that time) by Xxxxxxxxxxx. If you do have such an archive, I would appreciate a copy of the report being forwarded to me and would be prepared to pay the appropriate fee for production and postage of it.

I look forward to your prompt response.

Yours faithfully

 

[jonni2bad]

2 out of three resolved so far.... a partial success.

 

Here's the response from Experian (Equifax response was very similar) indicating that the entry has been removed completely. No response yet from CallCredit!!!

 

I will let you guess if Arrow themselves have responded

 

Arrow.pdf

[jonni2bad]

It has now been removed from CallCredit's file too..

 

CallCredit Reply.pdf

[saintly_1]

Great Result Jonni

[jonni2bad]

Still no reply from Arrow - they must think we're playing hide-and-seek

 

Hello Arrow - I CAN SEE YOU !!!

[pt2537]

Still no reply from Arrow - they must think we're playing hide-and-seek

 

Hello Arrow - I CAN SEE YOU !!!

Glad to see youre havin some fun J:lol:

[jonni2bad]

Given the look of the football league table, it's either this or nothing!

[pt2537]

Given the look of the football league table, it's either this or nothing!

yeah but were holding you up at the mo, still hopefully next week it will be the other way round