ok I'll dig it out and post it up here. will do that 2morow as need to retrieve my old capquest file from the loft! its a pretty definitive letter from TS on the issue though. as you'll see.

cheering news P1. well done!

they don't have to supply the cca, unless its been absolutely assigned to them. I went to Trading Standards about this with capquest and can cheerfully post up their response if anyone is interested.

agree with brigadier, best just get on with it and send cca requesto the OC

the whole fecking saga hasbeen odd from start to finish. that said, egg treat customers with good credit in an appalling fashion as well so I shouldn't be surprised.

Point taken, for sure. No, no FR from Egg as it was still with the FOS when they assigned it; amazing but true. No FR from Arrow (obviously, as I haven't formally complained to them yet) and no FR from Wescot.

No, but you see it was in dispute before they bought it. I simultaneously wrote to Arrow and Wescot pointing this out. In Wescot's case I formally complained. In Arrow's case I have not complained, just pointed out the existence of a prior dispute.........

precisely my thoughts. yes i do have proof of writing to them. always use recorded deliv with the dcas. also against arrow, who have involved a dca in clear breach of the oft guidance

if it gives me something to work with it would be good

yes will do that right now! sorry!

Update: Arrow have finally responded, apologising for not replying sooner due to "adminstrative oversight." They have said that they are in contact with Egg. They go on to say that they cannot consider a f&f while the account is in dispute and further state that all payments and future f&fs must be sent to their DCA, Wescot. With regard to Wescot, I have already told Arrow that they should not be referring collection to a DCA on a prior disputed debt. I believe I am correct in this (OFT Guidance). Moreover, I have complained to Wescot telling them that they shouldn't be collecting on a prior disputed debt and that was more than 8 weeks ago and I haven't heard from them since. Hitherto Arrow have been cashing my cheques.

thats what concerns me

FFS are you being serious

Ah, Barclaysea Debtors Prison

no, not like any other businesses, and for a number of reasons.

because they are low lifes and sheisters thats why

Greed is their god. I suggest you claim for mis-sold PPI, claim back the charges and trot this all off to the FOS for some compo. My "Egg Top Up Loan" (their terminology) was a consolidation of an Egg card an older Egg loan. Throw in some single premium PPI and monthly PPI, capitalise that onto the Top Up Loan without the nebefit of the PPI, and then treat the customer with contempt. Egg passed me on to CapQuest who terrorised me for years until I came across this forum. From that point on I fought back. It will be interesting to know what Egg will do with the FOS approach, if they will appeal to an ombudsman or not. Either way I'll fight them to the biter end ;-)

cheers m8. right, a complaint winding its way to Arrow and the CRas then!

I pay Experian £3.99 a month

Are Arrow under an obligation to keep the loan balance updated each month with the CRAs? Or can they just keep it showing as e.g. £6,000 on 1 July 2011 until the default / account drops off my credit files?

they probably purchased the debt from egg for about 3 bob anyway.

good one hippy.

time to up the ante?

email barclaycard's CEO mate. that will have the desired effect as it will then get sent to the inbox of someone in customer relations that actually reads the complaint.

Disgusting! Disgusting! Disgusting! What more can be said. This is just the sort of abuse of the CRA system that we all fear.