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Mrs E Blackadder

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Everything posted by Mrs E Blackadder

  1. Thanks CitizenB, at least I now have something to go on. I will need to tweek it a little because the letter wasn't sent to me but to Mr B. I will post here with what I come up with as soon as I can find the time to do it. I have complained to Noddle because it shows me being linked to Mr B financially, but they said that there was nothing they could do about it because there is still a current bank account showing. The account in question is a dormant account (and it does show as this) which I spoke to Barclays about. They couldn't close it because they needed Mr B's joint permission which I can't get because I don't know where he is. However, it isn't used (again, it shows this) and is still under the old address. Because of this, I suppose I can't say that I have no financial association with Mr B. I think I might use your letter as the basis of a second letter - I will do a first letter which will be very basic with a simple 'not known at this address' and if they don't accept that and continue to write then I will use the letter above to push the point home. I am also waiting on a reply from OFT to see if they can help with any information - I don't really want to start telling them they have breached OFT guidelines until I know exactly which ones! Bandit127 - thanks for your reply. I have no doubt that they have linked Mr B and myself via a CRA, however my argument is that they should not use my address to try to contact him. If the address isn't listed as his then they quite simply should not use it to try to contact him. My son does have a similar name/initials to his father, however he is still a minor so I am assuming that there should not be any access to information about him until he reaches 18. However, I could be wrong. Thank you everyone for your ideas and comments. If you have anymore then please, please do feel free to let me know. xx QUICK UPDATE: We had a go at finding my son's credit report, however he is too young and can't sign up for another year! This is a good pointer though that Arrow Global have used my credit report and taken the address from that.
  2. Actually, have just thought that typing in the contents of the letter might be helpful. So here goes: Dear Mr Blackadder, Debt originally owed to ....... Assigned by Phoenix Recoveries (UK) Limited S.a.r.l Account number ....... Notice of Assignment We advise you that Phoenix Recoveries (UK) Litied Sarl has assigned all of its respective rights, title and interest in respect of the above referenced account (including the right to receive payment of the outstanding balance) to Arrow Global Guernsey Limited, effective 06.06.2011. Any payments made on this account after 31.10.1996 will be passed to Arrow Global Guernsey Limited and will be deducted from the current balance. It is essential that all future payments and correspondence regarding this account be directed to : Rockwell Po Box 198 Southend on Sea Essex SS1 2GX Please quote reference........... You should contact Rockwell Collections Agency to organise payment of this account as a matter of urgency. If however, you believe that you have received this communication in error please contact Rockwell Collections Agency will all relevant information, again, as a matter of urgency. Please note that to protect your personal privacy we may need to verify your identity. We refer you to the enclosed fair processing notice on the reverse of this letter provided pursuant to the Data Protection Act 1998. Please read this notice carefully as your personal credit rating could be affected by our filings with teh Credit Reference Agencies. Yours sincerely squiggle on behalf of Arrow Global Guernsey Ltd. Squiggle on behalf of Phoenix Recoveries (UK) limited sarl. quick update: I have just emailed the OFT to ask if they can give me any advice about this matter. Will wait and see if they reply.
  3. Thank you for your replies. CitizenB - you are absolutely correct. I do not want my address being passed on to anyone in connection with Mr B. This was supposed to be a fresh start for me, so please forgive me if I seem somewhat annoyed, angry and upset by the fact that these people have had the audacity to use my address to try to contact him, when that address will not be listed under anything to do with him. I think contacting the OFT is a good idea, and they may be able to tell me where I stand. In relation to the letter, there are no phone contact details and although the letter comes from Arrow, the correspondence address is given as Rockwell, PO box 198, Southend on Sea. There are a couple of other addresses given at the very bottom of the letter for Arrow Global in London and Phoenix Recoveries in Luxembourg. The letter is 'signed' on behalf of both of these companies, although Arrow is called Arrow Global Guernsey Ltd. Personally, I think it is all done to make it confusing and they obviously think they will panic me into giving them information. I'm not panicked, just very angry, and even if I wanted to give them information on Mr B, I truly do not have any to give them. Also, the letter was opened in error by my son who has a similar name. He is waiting for information from universities and thought it was for him! Otherwise, it wouldn't have been opened at all and would have been sent back immediately marked as not known at this address. I'm also concerned that these people will start trying to get things like CCJs via the backdoor, saying that this is where Mr B lives. I need to prevent anything like this as I do not want debts that aren't mine being linked with an address that actually belongs to my elderly relative and is absolutely nothing to do with Mr. B. J1mmy - I don't need to tell any lies because I honestly have no idea of where Mr B is. My contact with him is extremely limited (he hasn't even seen his youngest son in over 3 years). I have no address and the phone number I had is now unobtainable. In answer to your question, yes that is ok with me . Frankly, I would love to tell this company where to stick their heads, but I want as little to do with them as possible because the debt is not mine and they are just trying to use me. Now I'm going to go and offer the washing machine repair man a cup of tea, make myself a coffee and try to relax. Because I'm worth it
  4. Just a little input that may or may not be of help/interest with this thread. I have started my own thread because a similar letter arrived at my address from Arrow Global. However, it was addressed to my ex who has never lived at this address as I came here 5 years after he left me, so they obviously think that using underhand tactics to get to him via me is totally acceptable. Also, there are no phone numbers on the letter either. I think they are definately phishing around for information after buying up a load of old and probably statute barred debts.
  5. Thanks for your reply j1mmy. I have just written on the letter that the person does not live here, so perhaps I will just put that back in the post at their expense. My concern though, is that I will then be harangued by this company demanding information. It's easy to say 'tell them to go away' (trust me, nothing would please me more!) but I don't even want them knowing anything about me, and sending them a letter will confirm to them that there is, at least, someone with the same surname as the person they are looking for. Unlike your situation where the woman had lived there at some point, in my case the person hasn't lived here. There must be some rules or regulations that state these debt collectors cannot address a letter to someone at an address that is not listed for them, simply because there is some tentative link. Interesting, also, that they haven't put any phone numbers on their letter. I wonder why not! Did the company you dealt with ever contact you again after they had told you you had broken the law? Seems like one rule for them and another one for you!!
  6. Hi, Is there anyone who has encountered this same problem? I would really appreciate any help, ideas etc as I have no intentions of being harrassed by a company who think they can use such underhand tactics.
  7. Hi everyone, would be very grateful for some advice regarding some company called Arrow Global. This morning a letter arrived at my NEW address, but it was addressed to my ex. Anyone who has read any of my other postings over the years will be aware that Mr B did a disappearing act nearly 6 years ago, leaving no forwarding address. I have had little to no contact with him in that time and still have no idea where he is. I don't want to know either. I sold the joint property last year and moved in with an elderly relative who has been kind enough to give us a home, so I was bloody annoyed when this morning a letter arrived at my address which was addressed to Mr B from this company called Arrow Global. Mr B does not live here and never will. The letter has no phone number (not that I would call them anyway), just information to tell Mr B that a debt in his name was assigned to them over 2 years ago! They now want him to pay them, but there are no details that relate to what it is for. I have checked my credit report and there is no record of a search by this company so I would like to know why they have linked him to my new address. Surely, if they are writing to him at my address when that address is not listed for his name this is tantermount to harrassment? My other concern is that my son (who is still a minor) has recently changed his bank account details to this address and has a similar name to his father. If they have used him as an excuse to write to this address in an attempt to track down Mr B I will be furious. I have written on the letter that no one of that name lives at this address and not to send anything further as it will just be returned. It says in the letter that if it has been received in error then to let them know and they may require proof of who actually lives here. They can go sing, I am not providing them with the personal details of anyone who lives here. I am undecided whether or not to return the letter or just wait to see if they write again. Frankly, I am now sick and tired of not being able to shake off things related to debts that aren't even mine. I would be grateful if anyone could help me with some ideas. My concerns are also that they will somehow try to involve my elderly relative (who would never cope with anything like this) or my son. Thanks for your time. Mrs B.
  8. Thank you zydeco, found it! OK, next problem The letter says about taking them to court if they don't comply. Good idea, only I just don't have the money to threaten this kind of thing and then follow it through. Not sure if I can adapt the letter in some way or if there is another option.
  9. Really sorry, I've gone to the library but I just can't find the failure to respond SAR letter. Perhaps I need a white stick!! Can anyone be a bit more specific about where it is? Also, I have managed to call the Post Office (number for anyone else who needs it is 08457 223344 - lots of buttons to push initially, but the staff were really helpful once I got through), and have discovered that the postal order I sent made payable to santander has not been cashed. So at least I know that the SAR hasn't got lost in the post!
  10. Have absolutely no idea if any payments have been made, and santander obviously don't want me to know!! Could anyone please point me in the direction of failure to comply letter. Many thanks
  11. With regard to this one, i t seems to have completely disappeared from my credit report last month along with several other accounts for things like store cards that were defaulted on around 6 years ago. Could this be a possible sign that it is statute barred? The only reference to an account with santander is if I click on the link for associated names and it still gives Mr Blackadder as being associated with me for this account. Other than that there is no sign of it.
  12. I sent my SAR to santander, which was signed for on 11 September 2012. We are now well past the 40 days allowed and I have received absolutely nothing from them at all, so what would be my next step? I can't find out whether or not the postal order I sent for the £10 has been cashed (I had it made payable to santander), and the woman at my local post office said that there was no way of finding out - which, judging by looking on the internet, is true!
  13. Have just had my latest Credit Reference Agency report, and apparantly my credit rating has dropped from 3/5 to just 1/5 but with no explanation as to why. Nothing has changed from previous months. I am up to date with any payments/direct debits and haven't used my overdraft, and the only new thing on there is a check by my new insurance company for my car insurance which looks like a pretty standard thing. I am not even paying my car insurance in instalments this year, I've managed to pay it all upfront, so the only checks they have made are for money laundering and to confirm my address. Seems a bit rough that my credit rating should fall simply because of a standard check by an insurance company. Does anyone know if this is usual? Good job I'm not looking for any credit or loans!!
  14. The date though is 2010. We certainly never received anything at that time to say that the debt had been passed to anyone else and it wasn't until I rang Santander in July of this year that I was told the debt had been 'passed on' to Moorcroft about 10 days before. That leaves a gap of about 18 months between the account apparantly being closed/settled and the debt being passed on, which is why I am confused about it.
  15. Still no sar from Santander, but it has only been about 21 days. However, on looking at my credit report again, I noticed that this account from Santander was marked as 'settled' in December 2010. There is also a marker from the month before which says there were sustained arrears but a new agreement for payment was made with the lender. As I didn't even know about this account, I haven't really got much idea what either of those things mean. If Mr B did indeed make a new agreement to pay then why is it marked as 'settled' the following month when, quite clearly, it wasn't. Anyone got any suggestions?
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