Debt from June 2002 £8,500 sold by Barclays to Arrow Global.

I have been dealing with Capquest until Nov 2015, and paying £5 per month,

when I asked for a copy of my agreement and

had reply from Capquest in Feb 2016, saying account on hold whilst they request the documentation from Arrow.

I heard nothing more until last week when I had a letter from Wescot asking if I was the person they referred to and to contact them.

I did nothing.

Then a letter today from Arrow saying that Westcot is now managing my debt and asking me to contact Wescot.

Odd thing is I have always dealt via a friends address to avoid embarassment

and the last two letters came to my address not my friends.

What do i do?

Hi,

When you asked for a copy of the CCA, I take it this debt is either a Credit Card or Loan? If it is either then...

First thing to do is stop paying until you get a fully complaint CCA request.

I'd personally stop all payments, ignore all correspondence unless it is a claim form. Not complying with a CCA request is a fully valid defence because the date is pre March 2007.

Stigman

well that's a result

3 of your debts now proving to be cash cow accounts

and you've now removed yourself from the milking parlour

well done!

Thanks for the replies. My CCA request did go to CapQuest and not to Arrow - does that matter?

Yes it was a credit card.

As they have now changed the debt collecting company can I still ignore the letters.

(I have just had yet another letter , the 2nd from Wescot asking me to contact them.

ofcourse you ignore them

the only thing you never ignore is a claimform.

is this on your CRA file still?

is this on your CRA file still? Sorry, can you explain what you mean by this question please?

credit reference file

noddle

clearscore etc

Thanks. Not last time I looked, which was about 1 year - 18 months ago.

Arrow have a habit of passing debts around various DCAs. I suspect they can't get the CCA especially if it was Egg pre Barclays.

You can ignore their letters .