Yes I kept the original letter which was from Clarity stating Arrow Global could not provide them with the original agreement etc rather than from Arrow themselves to me They have never sent any dates of the alleged debt just quoted TSB England and Wales which ceased to exist in 1998 I think.

Sorry to resurrect this old thread. I followed the advice and sent Clarity the letter you suggested. To be fair to them they invetigated the matter and when Arrow Global advised them that a copy of the agreement and terms and conditions were not available they closed their interest in this matter. This was in April. The End or so I thought, there was no communications of any kind until yesterday when I received a doorstep visit treat-o-gram from Debt Managers Ltd Edinburgh claiming that I owe exactly the same amount to the same people as the original Clarity letter. Now I could repeat the entire process by sending them the same letter as I did to Clarity but what is to stop this happening again and again. Would the OFT be interested in this? Any advice gratefully received

Thanks dx. I followed you advice and ignored the letter and the next threatening a 'doorstep visit' and have just received the 'make me an offer' version. I really would like to get to the bottom of this (or at least get them to stop) and I am thinking I should find out what they think the problem is. I have two questions though: If I send a CCA request letter would this just encourage them to continue and what happens if they ignore the CCA request or delay it? It is important that my credit reference is kept clear for the next few months once again thanks

Sorry if I have posed this in the wrong place Today out of the blue I received a letter from Clarity informing me that they have been instructed by Arrow Global 'to make arrangements' for me to repay about £900. However they are helpfully offering to accept around £700 if I pay within 7 days. It states the original lender as TSB England and Wales. I have no idea what this debt is about and have received no letters from Arrow or Clarity or any other DCAs and the TSB hasn't existed for years My question is who do I send the request for information to? If Clarity are just making arrangements does this mean they are now persuing this payment, or should I ignore them and deal with either Arrow Global or TSB (I guessing Lloyds). I really do not need an adverse CRA check at the moment