Hello all,

My very first post ever on here.

Please can I bend ears, pick brains as I'm confused about the letters I've had today.

Letters in my maiden name, I was married in 2003.

Debt amount 943.43

I understand the letters are stating they are a statement from year 2012 right through to 2018.

Stating they haven't applied interest or sent statements and I do understand this with an apology.

Original debt citi financial

Then it's saying passed or changed to arrow and now cap quest have got the debt.

I do recall cap quest contacting me on my mobile a few weeks ago, I didn't recognise number so did a Google search.

Didn't ring them back and thought nothing of it.

Today came home with letters with different dates from 12 to 2018.

Every single ccj or default has been lifted off my credit file 2 months ago.

Following a painful debt paying process I can honestly say this has blown me.

I'm worried.

I have paid everything and now I've got this.

On one of the statements in May 2013, it appears I've paid AND I do not recall me ever paying this, but a 15.00 payment has been made.....

This has thrown me and no idea what it means.

The start of letter reads, fixed term credit agreement, with ms E Maiden name and citi financial.

If you require further info or for me type out what they say, each letter is the same, just different years.

However, each year is dated 1st May 2012, then 1st May 2013 etc.

Checked out the days unless they work on a Sunday....

The only letter that's different is one printed this week.

It's ref is remediation of account.

It is from Arrow and makes no ref to cap quest apart from saying if wish to discuss at bottom.

Stating under rules cca 1974 stating required by law to write and noticed that we haven't written to you.

Further saying that a full review of my account and failed to provide me with statements since May 2011.

To remidy this, we have compiled all your statements.

On the what does this mean to you.

It states, this exercise does not affect your account, repayments or your obligations to repay.

If anyone knows what it means and what I need to do.

Not sure about this payment In 2013 either.

Not sure the action to take on this

Not sure the action they can take on me.

Thank you

Ignore it. It sounds like an automated letter. Theyre also very well known for making up fictitious payments

Thank you renegadeimp..... I've got a recording app on my phone, I forgot I had it. Just listened into a message I've left. States a personal call for Miss...... I haven't been called that since 03. He sounded scary!

I won't reply to this, I won't answer my phone either. It seems since I've blocked them, they've contacted me 58 times!!!!!!

Ignore all calls. If they were legit, it would be in the form of a letter. The fact that they dont hold any current info shows its a junk debt and theyre trying their luck.

I would suggest that these statements are just them catching up with a mistake CITI the original creditor has made when they have sold this debt onto the Arrows group [capquest are part of this group]

Arrows are debt buyer that purchase debts for about 10p=£1 then try and fleece the unaware out of the full amount with lots of scary letters and threats.

No DCA is a bailiffs

and have

ZERO legal powers.

now onto the important bit..

this phantom payment of £15 in 2013

its not unusual for DCA's to invent phantom payments to extend the statute barred date to within 6yrs.

are there and other payments showing prior to this?

in otherwords, if this payment was not listed your debt WOULD be statute barred [6yrs of no payment}?

dx