Hi hoping someone can have a look at these letters for me ,

i am posting these for my brother,

he received some very nice letters from a place called drysden fairfax claiming to act on behalf of arrow global.

these very nice people are demanding £1300 two days before christmas or they are threatening court, bailiffs etc.

As soon as he received the first letter i advised him to send a CCA to this arrow global to see what this debt is and who they bought it from as he doesnt know what it is.

I confirmed that Global received it the same day that Drysden sent their second threatening letter to him.

So he is hoping that might slow them down for a week or two until he figures out what this debt actually is.

Can they start legal proceedings before they provide the documents he has requested?

Any help or advice will be greatly appreciated.

Regards

Arrow appear to have instructed their various debt-chase-solicitors to go on a deliberately timed pre-Xmas offensive (pun intentional).

But there should have been previous correspondence, especially Notice of Assignment letter from Arrow.

You have done right to send off a CCA.

That does not prevent Dry taking action but they are most unlikely to do so if you inform them you are awaiting the CCA.

To be honest, more threat letters would probably follow at this stage.

Arrow will have informed Arrow what course of treatment to mete out on you when they instructed them to act.

Hi oleg, thanks for taking the time to reply, so you reckon he should write to them explaining he is not familiar with the debt and that he has sent arrow a cca request to try to determine where the debt is from ?

If he does this that should hold them off for a week or two?

Thanks bye

no it is for Arrow to inform them as they are the ones wanting money ,you will get a letter saying everything on hold while we obtain the cca from our client , you will then get a letter in the new year saying we have passed the file back to our client end of.

happy xmas

As your brother is unaware of what the debt refers to,you need to check his Credit File,

this will probably show who owned the debt and sold it to Arrow,and what date which is important.

Does the letter from Drysden Fairfax indicate who the Original Creditor was?

FS

Arrow received your CCA.

You do not need to tell Drysden anything unless they send a Letter Before Action or similar.

However, you can, if you are concerned, simply send them that you have sent CCA request to Arrow.

They will already know that since they share real time info, but they may feign ignorance.

Please stop worryin.

These threats are routine templates and the deadlines are nonsense.

They often just mean the next letter will follow a day after it.

I would not agree that Dry will necessarily return the matter to Arrow.

As I said in my first post,

Arrow will have already carried out an assessment of how they want to proceed, based on CRA and other data.

In my opinion, there is as yet no reason whatever to worry.

Wait for the CCA result and you can take it from there.

Is your brother aware of any outstanding debts, particularly ones he thought (or hoped) had "gone away"?

no it is for Arrow to inform them as they are the ones wanting money ,you will get a letter saying everything on hold while we obtain the cca from our client , you will then get a letter in the new year saying we have passed the file back to our client end of.

 

happy xmas

Hi right thanks for the info, so not essential to inform the solicitors of the CCA to Arrow then.

As your brother is unaware of what the debt refers to,you need to check his Credit File,this will probably show who owned the debt and sold it to Arrow,and what date which is important.

 

Does the letter from Drysden Fairfax indicate who the Original Creditor was?

Hi, no the letter explains very little beyond threats really, though after checking his credit report he thinks it might be an old monument card he thought was paid off.

rrow received your CCA. You do not need to tell Drysden anything unless they send a Letter Before Action or similar. However, you can, if you are concerned, simply send them that you have sent CCA request to Arrow. They will already know that since they share real time info, but they may feign ignorance.

Please stop worryin. These threats are routine templates and the deadlines are nonsense. They often just mean the next letter will follow a day after it.

I would not agree that Dry will necessarily return the matter to Arrow. As I said in my first post, Arrow will have already carried out an assessment of how they want to proceed, based on CRA and other data.

In my opinion, there is as yet no reason whatever to worry. Wait for the CCA result and you can take it from there.

Is your brother aware of any outstanding debts, particularly ones he thought (or hoped) had "gone away"?

HI Oleg, Thanks for the info will pass it onto my brother, i think you are right the tone of the letter and the timing of it i think were designed to worry people. Will see what comes of the CCA and as you say take it from there.

Thanks for the advice guys appreciate it.

Regards

Hi, hoping some some of you guys would be nice enough to offer me some more advice on this, my brother received a letter from Arrow [attached] basically just saying that he must deal with drysden, so they have ignored his CCA request it seems, the letter though does confirm its an old monument debt as he thought.

Though what they say is owed seems a bit much according to my brother, he thought he had actually paid this debt off through a third party debt management company a few years back. Though to be fair hes not the best with keeping records and tended not to keep tabs on his debts sometimes ignoring them, which as you can probably guess is the reason why i help him with this stuff now.

The other noticeable thing about the letter is the drastic change of tone to the previous ones, no more threats of legal action etc. which would suggest they were designed to scare him or perhaps they cant find the original agreement and are not so bullish anymore, could explain why they ignored his CCA request perhaps.

Any advice appreciated, cheers

Stop dead in your tracks.Arrow Global own the debt and they must respond to your CCA request,the fact they are not, stinks.

The Global letter confirms it is Monument.I think they are just fisching,I would not be surprised if the account is Statute Barred or there is no agreement

Does any information at all appear on the credit file?

Send Drysden Fairfax a letter (no phone calls) that as you have no knowledge of the account you require them to produce all documentation and a copy of the agreement that covers the alleged debt.

I assume your brother has not paid any money for a number of years,so do not acknowledge the debt or make any payments

FS

Thanks for replying firstship.

Does any information at all appear on the credit file?

Send Drysden Fairfax a letter (no phone calls) that as you have no knowledge of the account you require them to produce all documentation and a copy of the agreement that covers the alleged debt.

I assume your brother has not paid any money for a number of years,so do not acknowledge the debt or make any payments

Thanks for the help so far, appreciate it.

No send a letter to Drysden that you have no knowledge of the debt,you do not acknowledge the debt,and until a copy of the Agreement covering the alleged debt is produced you do not want to receive any further communication on the subject.

You have already made a CCA request to Arrow and you have confirmation of receipt of the request,you do not need to send the request again,the fact they have told you to deal with Drysdens is irrelevant,Arrow own the debt and it is their responsibility to deal with the matter.

FS

Hi, firstship can i take this isn't something that really needs a template letter?

Just basically outlining what you have suggested in a letter to drysden should be fine yes?

Thanks bye

Use the template letter "No Knowledge of the debt" template and amend to your requirement

FS

Ah right thank you firstship, will search for that one and get it typed up for my brother and get him to send it off.

Cheers