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About tom5865

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  1. Shop direct file shows as zero balance and settled with no payments history apart from one entry at £0 arrow is the following. £955 £1,115 £0 £1,195 £0 £1,275 £1,355 £1,435 £1,595 £1,675 £1,755 £0 £1,835 £0 £1,479 Thanks for the help btw
  2. Thats the first time I have spoke to them as I wanted to make sure of the account balance. I have now wrote a letter to be posted tomorrow offering £450, the original debt was registered at £1479 they then added £335 charges and they have already took £880 in past payments. Is this a fair amount or shall I go higher?
  3. Thanks for your reply.. Default date was 9th September 2011. After speaking with them today the balance is currently £955 so not a great deal of money. TBH I Really need this off my credit report its the only thing on there that is causing issues, i haven't made a late payment on anything since 2010. The quickest way would offer them a sum of money like you said, but how much is fair for a Full and Final settlement?
  4. This is a long story that has dragged on 3 years so il try and condense it down as much as I can. Arrow global issued a default against me in 2011 for a debt that I can't remember having with Shop direct. I stupidly kept paying them monthly with all my other bills until 9 months later I was going through what I owe and couldn't remember this particular debt. I sent them a letter requesting a CCA. They replied saying they didn't have one and now the debt is not enforceable and they were unable to collect money from me. I then sent them a SAR to help prove my case that the defaul
  5. I had an account with littlewoods/NDR they refused my payment as I could only afford to pay £5 a month at the time. NO letter of default was ever sent to me. I was never given an opportunity to get the money together before they slapped it on. I would have gone cap in hand to my parents if it meant me not getting a default. After reading up about cca's I asked arrow to provide one but they were unable to and also stated littlewoods couldn't provide one also. So they stopped taking payment from me (around £150 a month, for around a year) Now both little
  6. the original debt is suppose to come from Littlewoods or very. It only appears on my Credit file from Arrow Global LTD. A default notice was not issued from the original creditor nor from Arrow. Arrow have admitted that they have no right to collect money from me anymore as they or Littlewoods can't prove the debt is owned by me. (if they can't prove the debt is owned by me they certainly can't be putting a default on my credit file!!)
  7. I need some urgent help with Arrow Global. Some Background: They issued a default against me on my credit file back in September 2011 i stupidly started paying them even though they never sent me any documents only one telling me to ring them. After I started getting better financially and got a better job i started questioning Arrow Global and asked for some documents. They were unable to provide any and therefore stopped taking money from me. I kept pushing but they refused to remove the default and provide a copy of the default notice. I issued a SAR an
  8. Thanks for your reply. I sent a letter exactly like that, they replied saying they don't have a cca. Then sent another demanding the default was removed, they replied saying they sent me a default notice (they didn't attach a copy of it, I believe they actually refused) and said they wernt removing it. I'm sending another off tomorrow demanding a copy of the apprent default notice, and asking them how they can issue one if they do not have a CCA. I've given them 40 days to come up with something or I'm taking it as far as I can regardless of cost. I'm sick o
  9. Yeah the debt was with very. But very refused my payments as they were too small apparently. Paid them what i had anyway, next thing i heard was the debt was with arrow global (no letters i had a nasty phone call off moorecroft) and when i looked at my credit file i had a default placed. ive been asking them now for what seems like an eternity to remove it as they themselves admit it was put on wrongfully. If it wasnt for their vile phone calls saying they will make me live on the streets etc. then i would pay it off without question. Problem is i need that def
  10. Hi, I have a default on my file from arrow global of £955. I sent a 'Prove it' letter about 4/5months ago and they responded saying they have no information on me, that they are looking for it but in the mean time they wont pursue me for money and they are not removing the default. trouble is now i cant get any credit at all. Im thinking of paying them a sum for them to completely remove the default. how would i go about this? what sort of offer shall i make them? are they to be trusted not to chase for the remaining amount? has anyone else done this
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