Can anyone help me?

A 7k debt disappeared from my credit report last year after 6 years

as arrow global would not reply to any emails I sent asking for the details of the debt.

All of a sudden I have a letter today from cap quest saying that I owe 7799.78

and for me to arrange payment with them!

If I ignore it,

I worry about them starting to add costs and getting bailiff involved.

Can you give me some ideas of how to proceed?

I thought as it had gone from my file that that was the last of it.

Please, what should I do if anything?

Any advise great fully received.

Many thanks for reading.

Thread moved to correct forum as bailiffs are not involved.

Hi,

In any of the letters or contact you made with any DCA, have you admitted liability for this debt or have you just asked them to prove the debt exists and got no response?

Hi silverfoxThanks for replying.

Here is what I sent in 2013...

I'm not sure how to get in touch but I owe £7892 according to a Noodle credit report.

i apologise for not having sorted this but I have been in no position to pay and have a small family offer of help to clear some debts.

I would like to offer you 10% as a one-off payment to clear this debt in full.

My address at the time was

XXXXXXX

I am unsure of the exact account number.

I look forward to hearing from you.

And here was the reply

Thank you for contacting Arrow Global.

We have been unable to locate your account using the details that you have provided.

To assist us further, please can you provide at least 3 of the following –

·Any account reference numbers

·First line of the address we have on file for you

·Postcode we have on file for you

·Your Date of Birth

·Current Balance of your Account

·Details of last payment made

·Who the debt was originally with

Alternatively you can speak to a Customer Service Representative on 0800 130 0169,

Monday to Friday between 9am and 5pm.

We look forward to hearing from you.

That was in 2013.... Then in Feb ish 2015, it disappeared from my file.....

When was your last payment?

I would say that is not admittance as you nor they know what the debt is

when was the last time you paid them or anyone anything on this debt?

As this is a different creditor, you could try the statute Barred route but don't get your hopes up as by offering Arrow payment in 2013 this may have had the effect of restarting the limitation period.

I can say that no bailiffs will call as CQ have to get a court judgement first and then for you to fail in paying (if you lost the case)

They should not be adding more fees to this as well

SF:

I think by my reading that arrow global acquired Capquest last year?

Yes that does look a bit like an admission by the offer I guess.

They are not adding fees according to the letter.

Is there a statute barred template I could use?

I saw one for Scotland but not England in the library.

Dx: I hope it is not an admission of debt.

I offered something because I didn't want them taking it further

as I was applying for my first mortgage at the time! I cannot remember

the last time I paid any-anything -it was probably in 2008ish but I have no records.

Havinastella- thanks for help...see above....

yes they are the same

so's just trying to kid you its 'escalating'

its on your credit file or not

one minute you say its gone [already defaulted +6yrs]

then you say its there.

if its on noddle it should have payment history in the pulldown arrows?

dx

Hi dx.

It is gone from my credit report on noddle.

It went around Feb 2015.

Are you reading from the email I sent to them in 2013

when you think that I am saying it is there?

So to sum up

I have no reference to this debt in my credit report.

Can it reappear now they have started perusing it again?

nope once its been defaulted for 6yrs it drops off

who was the oc and the type of credit

I notice you are still forgetting a dca cannot do anything really

you were told this on your old threads here.

dx

I think the op meant it was on an old report DX, at least that's how I've read it.

Personally I'd do nothing, they're asking you for details so they have nothing to go on.

Unfortunately by writing to them, you have alerted them and they will chase but until they can prove anything, they haven't got a chance.

The oc was citi financial. My original posts were regarding this but as it went from my credit report, I assumed I needed not to do anything? What do you mean by I am still forgetting a dca?

Dont pay them a penny. Its a UE debt otherwise they would have chased it years ago.

When it comes to Citi Financial, they have a severe lack of paperwork. I CCA'd Cabot who had my old Citi debt and I never heard another word from them...Ever! It became SB in October 2014.

Who did you write to in 2013?

There may not be any record of this letter now.

And who have you been sending emails to recently?

My OH had a Citi one and we've not heard for years, there is a thread on here about it.

That email in 2013 was to arrow global limited.

The only way I knew anything about them was that they suddenly appeared on my noddle report in that year.

I guessed that it was citi as this was the only debt of this amount that I (my ex!) built up..

.. I have sent no emails since that one (above)to them.

Thank you everyone.

So to sum up,

what would your advice be now?

Do I do nothing or is there a path I can take to stop any more letters like this.

Dx, I am not being obtuse or missing anything from this intentionally.

Save to say that I live in a binary world for my day job,

knee deep in networks, wire and code s

o I find finances and law procedure a little confusing.

I guess we are all wired differently....

I did read over my old notes ...

Threads but I felt advice afresh was what I needed.

As I said in my earlier post, I would do absolutely nothing.

If they send you anything else, just post on here for members opinions.

Capquest are the latest DCA to handle it, I've not had any experience of them but I don't suppose they are any different to all the others.

All they want is your money so just leave it to them to prove that you owe it, but don't ask them to prove it!

Forget bailiffs or any other threats they may make, they have to take you to court first and in order to do this, they have got to have an enforceable agreement and if it's Citi, it's highly unlikely.

Thanks indeed. I'll post on this thread then to save any more confusion. Much appreciated for sure.

don't worry about it if it was an email really.

they've no chance of ever getting a compliant CCA return anyway.

dx

Dx, I am not being obtuse or missing anything from this intentionally.

Save to say that I live in a binary world for my day job,

knee deep in networks, wire and code

 

 

so I find finances and law procedure a little confusing.

 

I guess we are all wired differently....

I did read over my old notes ...

Threads but I felt advice afresh was what I needed.

hehe my game for +30yrs too.

dx

And hence why I try to never use a PCs at home these days and have to try to quote and type on a blasted tablet and can't explain my punctually properly!Erm finally, what is a ' complaint cca return'? Promise I will leave for the weekend then

That was a smile... #tabletstrikesback

yes I suffer from that

a compliant CCA return

UPDATE......Letter dated 27th March 2016

------------------------------------------------------------------------

Dear Mr G

There is a settlement available on your account.

Re: Arrow Global limited

Account number 00200*********

How much you owe: £7799.78

We are authorised to offer you a settlement figure of up to 70.00% depending on your financial circumstances.

To talk about this offer, just call us on 0333 999 7266. Your operators standard charges apply. Our team will work with you to agree a settlement best suited to your circumstances.

Information about the settlement:

• We've set out overleaf detials of how you can make payments
  
• We've set out overleaf detials of how you can make payments
  
• Once you've paid the agreed settlement amount, we'll close your account
  
• If you don't make your agreed payment(s), your account will be returned to our collections department.
  

We look forward to hearing from you.

Yours sincerely,

Capquest

------------------------------------------------------------------------

Am i right in thinking that i do nothing still? I am also getting texts "Message for (me) we need to speak to you reagaing an urgent matter. please contact capquest. 3 times a week at the moment.

Thanks all again,

Just phishing.

Completely ignore.