Hello

Im new to the site and want to know where to post a problem Im having with Arrow Global

(original loan with Citifinance in 2008)

who are playing around regarding my requests for the original signed loan agreement.

(They are saying they dont have to provide it to me?)

Where would I post this please?

Hello and welcome to CAG.

Can you tell us a bit more about what's happening please and then we can put you in the right forum.

My best, HB

Hi

Yes of course

I took out a loan with Citifinance in 2008 and my last payment to them was in 2011. ( thought I had settled this).

Out of the blue in 2013 I received a letter from Arrow Global saying that the account had been purchased by themselves

and the title of the letter was *Notice of Assignment*.

At that point there was no request for any payment and their letter did not include a figure.

In Feb 2014 they wrote to me again stating I owed £1200 and sent a notice of arrears letter.

I did not contact them and they didnt send me any further letters.

In Feb 2015, a company called Allied International contacted me by letter

saying they were reviewing my file and would let me settle the debt for £905.

I did not respond to this (as I said earlier, I was not aware of any outstanding debt).

On 3rd Feb 2016 DrydensFairfax solicitors contacted me by letter stating

they had been instructed by Arrow Global to act on their behalf to recover the outstanding debt.

I contacted this company, stating I knew nothing abut the debt and wanted an original copy of the original agreement.

They said that they couldnt send this and would put it on hold and speak to Arrow.

I did not hear anything back from anybody regarding this.

I sent a SAR to Arrow and they have responded today sending a load of bumf

(which mainly refers to their searches on me from credit reference agencies!)

and a load of print outs which make no sense to me whatsoever

as there are no headings on the columns or dates etc.

(I had originally asked them for a copy of the original signed agreement with Citifinance

and also a statement of my accoount showing payments made, charges and interest accrued with a running balance).

They have not provided the signed agreement and their response said

This is not personal data which we process in your case.

You may be entitled to a copy of this documentation if you made a request under the Consumer Credit Act 1974 *

- (Which I did!)

Im wondering where I go with this now.

Do I make a complaint to the FOS or whoever?

Or do I send them a second SAR request?

Many thanks.

Thread moved to the appropriate forum.

Andy

If you have sent a cca request and they havent supplied one then they cant begin court action, or would have a difficult time proving a debt existed

That said, if the loan was taken out in 2008 then they could produce a reconstituted agreement to satisfy the request

No pojnt sending s 2nd sar, however there is a template in the library if you think the info they have supplied is incomplete.

You could sar citifinancial?

Thanks. I figured the SAR would include the CCA as well but obviously not. It was a SAR I sent , not a CCA so will get that sent off tomorrow. I think that Citifinancial no longer exist ?

Can you please send me a link to where this post has been moved to? Thanks.

Debt Collection Agencies...where you are now

Debt Collection Agencies...where you are now

In my defence - Im new and its late at night !

Citifinancial exist, they just dont do loans no more

It is interesting that they offered you a reduction -they wouldn't do that if they though they could get the whole amount by going to Court.

Write back and tell them that you do not owe them or City financial any money and they have provided no proof that you do owe anything. And until they can provide more than a letter that there is a debt owed, you will not respond to any further letters.

It is interesting that they offered you a reduction -they wouldn't do that if they though they could get the whole amount by going to Court.

Write back and tell them that you do not owe them or City financial any money and they have provided no proof that you do owe anything. And until they can provide more than a letter that there is a debt owed, you will not respond to any further letters.

Thank you. I will do that . Im going to send a CCA off first as i want to see my original agreement (I sent a SAR off and have only just learnt from this site that is the reason they didnt send me the credit agreement). If they are unable to provide the credit agreement does this mean they cannot go ahead with any legal action?

They cannot enforce a defended claim in court without it.

They can and do issue claims to old addresses in an attempt to obtain a backdoor rubberstamped undefended ccj.

It would make sense to inform all involved parties of your new address in writing to alleviate this possibility in future should they try the underhanded.

CCA request to Arrows

SAR to citi.

get all the statements

bet theres PPI kicking around.

have you checked your credit file?

does this 'debt' show?

dx

Hi

Sorry, just a follow up to this.

Arrow Global have written to me to confirm they cannot trace the original loan agreement or statements

and therefore they will not be taking any action until this can be resolved (Fingers crossed I dont hear from them again!).

However, there are 2 defaults regarding this alleged debt on my credit reference report with Experian .

One from Arrow Global and one from Citifinance.

Default dates on both are different.

Ive contacted Experian to state that I feel these should be removed as they are in dispute and the companies cannot provide evidence I owe any money.

They are contacting both companies and have, in the meantime, added a notice of correction to my report.

Just thought others would like to know in case they are having a similar problem with disputed debts

no CCA does not mean removal of stuff from CRA file

all exp will do is remove the NOC in a month or to saying nowt they can do

you say the defaulted dates are diff?

or is it just an updated date by the DCA

check the debt summary.

the DCA date should mirror the OC

they cant change it