thanks once again for your help. I will send the letter off first thing tomorrow

Hi im back on again with the same problem. It seems that Arrow Global have now passed the matter onto debt collectors after all this time. They have demanded payment as usual. I am incredibly cross that Arrow could not provide a copy of the original agreement but have passed this onto another Company to deal with who are making the demands. Do I just ignore the letter or is there a specific reply to send due to the fact the original agreement has never been provided. Please help. I actually started to think this matter had finally gone away !!!

got a letter back this morning as attached enclosing a copy of the application form AGAIN !!! Help please on what to do next with their comments to my letterARROW.pdf

got a letter back this morning as attached enclosing a copy of the application form AGAIN !!! Help please on what to do next with their comments to my letterARROW.pdf

got a letter back this morning as attached enclosing a copy of the application form AGAIN !!! Help please on what to do next with their comments to my letterARROW.pdf

I will try to dig out the letter I sent to Paragon that made them close my account. that would be most helpful if you could please

after all this time I have now received the attached letter. Any help would be much appreciated please arrow.pdf

After hearing nothing from Arrow Global they have now sent me a copy of a credit agreement which is totally blank other than our names at the top left hand corner, there are no figures of any kind, no signatures or details of the amount claimed. Please could someone tell me if I can ignore this as surely this is not what they think as a copy of our original agreement !!!! Help please

just realised the letter from Lombard was sent recorded delivery so I had to sign for it and they can now obtain my signature from the electronic proof from the Post Office !! Too bad the letter was signed for by me and the account is showing in my husbands name !!! Hope they dont try to use it as we both have the same intial but totally different signatures !!!! :grin::grin:

just realised the letter from Lombard was sent recorded delivery so I had to sign for it and they can now obtain my signature from the electronic proof from the Post Office !! Too bad the letter was signed for by me and the account is showing in my husbands name !!! Hope they dont try to use it as we both have the same intial but totally different signatures !!!! Ha Ha

just realised the letter from Lombard was sent recorded delivery so I had to sign for it and they can now obtain my signature from the electronic proof from the Post Office !! Too bad the letter was signed for by me and the account is showing in my husbands name !!! Hope they dont try to use it as we both have the same intial but totally different signatures !!!! Ha Ha

Hi Elsa Many thanks for your help, its much appreciated. I am going to get the letter off to Lombard and also to OFT etc as I really dont know anything about this debt. Although we do have financial problems with other people this Lombard supposed debt is certainly not one of them and it obviously goes back to 1997 as stated in their correspondence. I would have thought if there was anything in this I would have had some correspondence instead of them waiting 13 years to start letter writing !!! Once again, thanks for your help Jo x

Hi After writing the letters suggested to Arden and of course no response from them ! I have now received the attached from Lombard ! Please could anyone advise whether I should reply or not ?LOM.pdf

they are shown as Arden Credit Management, PO Box 15276, Solihull, B91 9PN thanks again for your help

thank you both for your quick replies. I am so naive when it comes to dealing with these people and its wonderful to have such a forum with so many people offering to give their advice. In reply to Under-cover Elsa, I originally just sent them the general no acknowledgement of debt letter from the templates section as follows: Dear Sir/Madam You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name). I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question. I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I/we look forward to your reply. Yours faithfully