AAAARRGHH

Hi guys

Well i sent the SB letter in June to NCO to which they ignored so i sent the 2nd SB letter. They responded saying that Arrow global who are acting agents for NCO are investigating the SB claim and that the letters they sent were to keep me informed of the account and that they would put a hold on the account until investigations were complete.

Well today i have received a Notice of Default. The letter is dated 2nd October(received today 14th) and that i must pay £25 before 1st October. It also states that i have breached my credit agreement with Capquest. The debt is supposed to be have been sold to Arrow global who are agents of NCO, I have never had any letter/dealings with Capquest only Arrow and NCO.

I am truly stumped as to what to do now and will be they be putting a default on the credit files, bearing in mind that Monument the original creditor is not even on my credit file even tho it has been in dispute since 2007. I know Noddle is not the best credit check but i just checked and nothing is on there.

Any help would be much appreciated guys

Thanks

Alamand

Willy waving

One SB letter was one too many IMHO

Until/unless someone issues a claim form

Id ignore the silly games now

Dx

Thanks DX

Just didnt want a default after all this time as Monument havnt even put the account on any file. its like I didnt have one with them.

Alamand

prob dropped off years ago

dx

It's interesting to read your thread Alamand.

I've had a Monument CC which is almost certainly SB now and it's not been on noddle for a long time (I don't check the other CRA's)

Not heard from anyone for a very long time either, I'll have to dig my file out and see who had it last.

There are however issues at the moment with creditors making up their own rules and making out that the cause of action is when the Default notice is issued and not (generally) the month after the first missed payment. I've got a couple with Barclays and they took over 12 months before they issued a DN!

As you have pointed out to them that the account is SB, this could be why they've sent you one now.

If you haven't paid since 2007, why are they only asking for £25?

It's better not to tell them what is wrong and let them work it out for themselves.

Personally I wouldn't be responding to anything UNLESS it's a 'Letter Before Action'