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About Jimbo00

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  1. I'm a wee bit confused as to what i have done? I will copy and paste the part of my letters that this might relate to and welcome your advice. The below dialogue is the nearest I have been to admitting that I owe anything to either Mint or Arrow Global. Is it enough for them to act upon i wonder? To Arrow global on 13/1/13 I wrote Thank you for your letter dated 09/01/13. Though I acknowledge the agreement made with RBS I would point out that we have no knowledge of any such debt being owed to Arrow Global or Fredrickson International and that only the original creditor can issue proceedings against a debt and NOT a third party such as your company. Also, as this account has been in dispute since 2005, no third party should be contacting me regarding this matter. I owe Arrow Global NOTHING.* And to RBS on 12/1/13 I wrote I have recently been receiving demands for £4.500 from Arrow Global. A copy of their latest correspondence and my reply are enclosed A brief overview : The above account was put into dispute back in 2006 as the Mint Card Services (RBS) put the account with a debt collection agency without it being near a default situation. A case was opened with the FO who sent a ruling to the RBS that a '3 ball' on my Equifax report was an unreasonably short amount of time to call in an outside agency and the matter should have been dealt with via The RBS recoveries department.
  2. I actually last made a payment in 2006! Does this make a difference? Or is this all done from the default date? Thanks for all your advice by the way.
  3. There was an acknowledgement of an account in dispute, but not of a debt on that account from me to them.....is that the same?
  4. I was also told that the six year rule only applies IF no communication from either side has taken place during the WHOLE of those 6 years. Is this true? if it is, I shot myself in the foot getting in touch with the sods (Mint).
  5. It was June 21st 2007 according to them? Also, when I put it to them that the 6 year thing is up this June, the girl on the phone told me that they could still chase me for the debt even though it had to be withdrawn from my record. Are they bull****ing me I wonder?
  6. ]Hi guys, This is my first post on here so please be kind. I defaulted on a Mint card way back in June 2007 for £4,500. At that time I was in dispute and refused to pay monthly payments until this was sorted. I then heard NOTHING for five years and for the first 18 months of that the debt appeared on my Credit Expert file as an ongoing 3 ball. last year however, I received a letter from the dreaded Arrow Global who informed me they had 'bought' the debt from Mint. I asked a barrister who informed me that selling a debt is unlawful, but non the less they are still taking people to court and winning! I got onto Mint and asked for proof of being in 'default'. they sent me a letter telling me when I defaulted and the date they CLAIM to have sent the letter out. However, they also told me they could not send me a copy of the default letter as they are printed and sent out automatically. My questions are these: Can a non- regulated debt collection company like Arrow Global really take me to court and WIN? What can I do to verify whether Mint have ACTUALLY registered a default against me and if it is legally binding? Can they do this if there is no legitimate proof of my going onto default? Can Arrow Global still take me to small claims court without a proven default notice? What can I do to fight this and sponging ambulance chasers like Arrow global?
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