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  1. Hi all, Help would be greatly apprreciated!! I have recieved a claim form from NCC on behalf of Bryan Carter & Arrow global. They claim i made arrangements to pay under a ref number and have defaulted. I have no knowledge of this debt or ever making an agreement with Arrow global. After reading some post on this forum i have completed the response pack stating i will defend the claim. Can someone please help me with what letters i need to send to Bryan Carter to get more info about this and how to proceed. Thanks in advance Graham
  2. Hello, I'm being hounded by Rockwell on behalf of Arrow Global who in turn say they want money regarding a debt with MBNA. Rockwell have written various times but have now instructed a firm called Fenton Cooper to act. These guys are threatening to advise their client to lodge a CCJ. The last payment to MBNA was on September 2007. From what I have read on these forums it must be at least 6 years before I can claim the debt is SB'd. Should I be sending Arrow or Rockwell or Fenton a CCA request? How will this help? Hope someone can provide guidance.
  3. Hi I have posted this elsewhere but then came across this section and I think my problem is linked as the warrant had the claimant name arrow global and is related to a 2nd CCJ so the debt has been split. any help appreciated. i cannot post the link to my original thread properly so hope if you remove the spaces and change DOTS to dot link will work www dot consumeractiongroup dot co dot uk /forum/ showthread.php?346768-CCJ-and-Split-Debt&p=3801279#post3801279
  4. Hi I really need some help on where I stand.... Around the 18th of march I received a trace letter in my maiden name ( I've been married for 10months)from Lowell/Rockwell, after reading these forums I decided to bin it as, as far as I am aware, the only debt I have I am paying off. yesterday 2nd April i received a letter from rockwell saying i owe their client Arrow Global £199.04 and i have 10 days from the date of the letter 28th March to pay in full or call them to provide a full income/outgoing expenditure list if i want to pay in instalments. As the letter took 4/5 days to get to me I now have 4days.... I dont want to call them because I dont want them to have my number. The letter does not say who or what this debt is for apart from the debt collection agency Arrow Global, who I have never heard of!! What should my next step be? Ignore it, or send some kind of letter?? Please help!! At this stage I dont want to tell my husband as i dont want to worry him unnecessarily. I feel sick every time i think about it ...I've read about their bad reputation for harassment! Any help would be greatly appreciated, Thanks.
  5. Back at the end of the 90's I had a loan with First Direct of about £5k, I missed one payment, which they then passed straight to debt collection without giving me the chance to try and fix it. It was originally passed to Phoenix Recoveries ( from memory) and they allowed me to pay the debt off at £20 a month. I went to live abroad for 5 years and was still paying at the same amount. ( Did not know about the statute term back then.) When I came back I moved to a different area. In the meantime Phoenix sold the debt on to Fredrickson-which I was unaware of. Somehow the got my new telephone number, even though I had no contact from the previous apart from to pay the £20 each month. Unfortunately FI caught me on the hop and managed to extract the fact that the debt was mine and the upshot was that they forced me to pay a much higher £50pm fee. I have never missed any payments. In the meantime, I got wise, had all the interest payments stopped and after hundreds of phone calls from FI, which I stopped answering, I sent a letter re harassment. I have offered in the past to pay off the remainder as a lump sum, it was refused. Now I have received a letter from Arrow Global ( who I have never heard of or had dealings with) who is persuing this debt.( £2,600) It states that payment must be made in 14 days or the will 'recommend' proceedings are issued. Previously they threatened a CCJ plus the usual costs etc. I cannot pay more than I do already, I believe that if it goes to court the court would say the same. Could someone please advise me of the best course of action as Im unclear of which letter I should send them or where I stand legally.
  6. Hi Fredrickson are chasing for payment of a rather old Egg loan. My credit file shows more than one default for the same debt. In 2009 I disputed the debt on the basis of unenforceability. The refused to send the SAR and finally sent it about 2 years later. In the interim I was chased by the usual DCA's and sent them all the 'account in dispute' letter. About 18 months ago, Freds sent me their first letter asking for payment. I then sent them the account in dispute letter and prove assignment as I had with the others before them. They responded with a letter full of waffle and I ignored it. There was no proof of assignment and Egg did not pursue this line of argument, that Freds acted on their behalf. I hear nothing from Egg/Moorcroft/Arrow Global/Freds for ages and now with a few months before default drops off file, they send these letters. SAR does not show PPI, but from the figures, something does not add up. All details for first loan and credit card missing from SAR. Do I dispute the mulitple defaults for the one debt? Can a CCJ be applied to a file for same the debt once a Default expires? Do I send Freds another 'Account in dispute letter'? Do I contact Barclays as they now own all Egg debts? Less than 6 months before Default expires. Any advice would be appreciated.
  7. Can anyone please help with some advice on how to proceed with this? I checked my experian credit file a few days ago and was surprised to find a default from global arrow for £172! Started: Feb 2006 Defaulted: Aug 2006 Satisfied: Feb 2012 I then went on to check credit expert and equifax and both have listed this account also. Call credit lists similar details to experian in that I defaulted and it has this month been satisfied....Equifax lists that the account was settled by payment in Aug 2006 and no default is shown! I contacted arrow global who put me through to Fredrickson and after several calls managed to speak to a girl who couldn't understand what was going on. She said that according to their files the balance was still outstanding and was for argos additions. She said she would look into this and she called me back today. No she is telling me that the account was supressed for 5 1/2 years and they have no idea why and it was due to go live this week so I would expect to be recieving letters to make an arrangement to pay!! Firstly I can't understand why it would take so long to appear on my credit file..5 1/2 years The differences between experian and call credit stating default and equifax stating satisfied why the account would lie "suppressed" for so long I have never satisfied the account as I never even knew it existed ......most importantly I have never had a argos additions account in my life and I am 100% certain of that. She advised me that once I receive my letter from them asking for payment I could call her up and she would put the account into dispute while it was looked into. I know by others experiences and my own past experiences that it is unlikely to be as simple as that. I advised her that I must be a victim of identity fraud and would be contacting the police with copies of my files etc to gain a crime reference number,....she said that if i did this then the file would be closed down etc. My main concern is the hanging around waiting for the debt letter to hit my doorstep....do I wait or do I take the matter into my own hands first by writing out to these companies to get the ball rolling? or do I wait until it falls of my account in a few months to save me the grief of trying to fight with a hundred different agencies!? Any advice on the best course of action would be greatly appreciated please.
  8. I have a very old debt (1995) originally with A&L currently with Arrow Global/Rockwell. I paid off this debt until May 2009 through a CCCS DMP and it has been passed through several DCAs. At that point I stopped paying. It it currently with Arrow Global and being managed by Rockwell. I was sent a letter by Fenton Cooper on their behalf. I recently sent a CCS request and have been sent in response a very indistinct and blurred photocopy of what looks like my original agreement. The photocopy has reduced the pages which were originally A4 to about A5 size. This was supplied by Santander (my current bank) Even with a very strong magnifying glass it is impossible to read the terms and conditions of this document to ascertain whether these contain the prescribed terms. This is because the copy is poor, dark and blurred. I am willing to post this online but doubt that it would serve any useful purpose for experienced members to look at. My reaction is to write back to the sender and tell them that this document is unacceptable. I assume that a "true copy" would be something that was the same size as the original document and a legible copy. This would certainly not be acceptable to a court. Before I do this advice would be valued.
  9. Hi all, the story so far....... 2007-2010 i was working out of the country for Disney on Ice (so working generally a week or two in a city or country at a time before moving on.) May 2010 I returned to the UK and looked for job/somewhere to live. April 2011 - received a letter from Arrow Global Ltd stating "......with effect from 5th November 2010 under a written assignment of the debt you owe to FV-1 Inc, has been sold to Arrow Global Ltd " (Typed up in full on post: search cambio1 arrow global). Unaware of any previous court action i treat it as a new claim and requested proof of claim via validation. No reply. Sent two more letters.........no replies. 3rd October 2011 - Order to attend court for questioning arrives. mentions a CCJ i knew nothing about so I write a letter to the court requesting clarification as to what had been happening in my absence. 16th October - hand deliver my letter (no money for postage) and the court refuses delivery stating that i needed to pay £85 to set the judgement aside.(i didnt have money for this and could not understand why i should have to pay anything when i hadnt done anything wrong and was merely trying to find out what had been happening.) Around this time I also called the court and requested two things: 1 - a copy of the claim form, and, 2 - a copy of the judgement. I have received neither. i was sent a claim/judgement `spec only` form , which.... Novemeber 2011, sought legal counsel who informed me that even if i was their client they could not do anything with the `spec only` form. Also advised me to apply to set aside ASAP. December 31st - received the witness statement from the claimants solicitor (confusion.....i was under the impression that a solicitor could not be a witness) which left me new yrs eve, new yrs day, and the Mon and Tues to review everything (baring in mind i was working all four days) before the hearing on the Wednesday 4th January. This is where it got interesting, and any help would be appreciated: Wed 4th January- My app to set aside was based upon the following: -I did not receive the notice prior to court action (sent to my old address) -I did not receive the particulars of Claim (sent to my Grandmothers address, used as a c/o add whilst i was away working) -I could not have acknowledged the claim or filed a defence as i was out of the country and hence out of the jurisdiction -i feel (but have not yet stated this in the hearing)that there is some degree of excusable neglect on my part. Excusable neglect : A failure - which the law will excuse - to take some proper step at the proper time (esp. in neglecting to answer a lawsuit) not because of the parties own carelessness, inattention, or willfull disregard of the courts process, but because of some unexpected or unavoidable hinderance or accident because of reliance on the care and vigilence of the party`s counsel or on a promise made by the adverse party -I would argue that since becoming aware of the matter i have taken great care and attention as to avail myself of proper procedure and due process (even if the court doesnt seem too interested in such things) and to do everything in my power to gain clarification and remedy this matter. -the claimant argued that the court should dismiss my app to set aside based on Nelson and another Vs Clearsprings management ltd. In This case the def`s app to set aside was dismissed on the grounds that the def had no defence. -I argued that in Fairway Vs Palmer [2006] the app to set aside was allowed bcos the def was out of the jurisdiction -Judge called a recess to look into it. -When we re-entered the court [in chambers] the judge then offered an argument for the prosecution, namely the case `City and Country properties Vs Kamali`, stating that in this instance the app to set aside was dismissed even though the def was out of the jurisdiction.Is it just me or was this an example of prejudice and Bias since the judge (referee) was offering arguments for the prosecution. (i think it worth pointing out that the judge knew this was my first ever court appearence and i was up against someone who had been a solicitor for some time). Would it be worth putting the judge on his Oath at the next hearing??? anyone have a suggestion on this. -As i was voicing my objection to this action of the judge, he interjected stating that he was going to use the discretionary power of the court to file a "Motion for Discovery" and request the claimants to produce the "credit(s) agreement(s)" mentioned in the `spec only` form. - He gave them 12 days (+2 for delivery) to fulfill this request and at the time of writing i am still waiting. -So, hes stating that the claimants acted correctly and is allowing the serving of the Doc`s even though i was out of the jurisdiction. (the claimants admit as much in their witness statement when they asserted that i was living with my mother in spain......in which case why didnt they follow CPR with regards to serving out of the jurisdiction) -After i receive these doc`s i have 2 weeks to file a witness statement and then another hearing will be scheduled. I am aware that i can request various items under the Consumer Credit Act 1974, including proof of loss, invoices, statement of account etc. Could I still send this request or would it not be advisable to do so since the Judge has already filed a motion for discovery? I am considering sending a letter to Northampton CCBC requesting clarification of a few matters. I have heard there are no hearing rooms or judges at the bulk disharge centre. As such it seems hard to imagine how due process/CPR could be followed. There have been rumours of "fraudulant deception" taking place. Not wishing to succomb to hearsay but wishing to ensure my rights to due process, i would like answers to those questions. Additionally I would really like to see a full copy of the judgement that was made, so i can see which judge was presiding and what evidence was presented (bcos i dont believe there was any). Do I have a right to see a full copy of the judgement? Do I have a right to ensure that any judgement passed was done lawfully? Also im a little worried about escalating costs (i earn under £8000 a year). I have been told that as a litigant in person i can claim upto £9.25 an hour but i am unsure how to go about putting in a counterclaim/claim for costs. How do i prove how many hours iv put into this? What costs can I be reimbursed for? legal counsel? My time iv spent researching legislation? Any advice would be greatly appreciated as i feel, in essence that iv got a lot to base a defence upon.....just not entirely sure how to apply what iv learned. Iv been going throught the Bills and Exchange act trying to find which part is relevant with respect to "once a debt is paid said debt is extinguished" which i hear a lot, but would like to find where it says that in the Act. Also i know the limitation Act of 1980 may apply. How can I find out if this company are trying to enforce a statute barred debt? Iv got about 2 weeks till the next hearing and need to submit my paperwork including a preliminary defence in the meantime. Any help would be greatly appreciated.
  10. My Partners house has been re-possessed by Arrow Global because her ex husband defaulted on a loan. The house was Mortgage FREE! AG have sold the property (5 bed detached house) for £130,000 Fortunately she issued a Severance of Tenancy via her Solicitor. The Court ordered the proceeds of the sale should be split 50/50 after the sale costs have been deducted and the amount owed by the ex retained from his half of the Money. Today she received a cheque from AG for £56,000 and although she has requested a full breakdown of all costs and payments only the cheque was delivered. We have again requested a full breakdown and await its arrival A simple calculation indicates that at least £18.000 (possibly more) has been deducted for administration costs!! Is this excessive? Without a full break down of costs from AG we are unable to ascertain exactly how much has been charged or if the monies have been split as the Court ordered. What would be considered a reasonable amount of costs on the sale of a property for 130k? If the Actual costs and fees appear to be excessive what course of action should we take?
  11. Hi, I hope someone can really help me. I have received a letter from Rockwell Debt Collection Agency on behalf of Arrow Global Ltd saying that I owe in the region of nearly £14K. I have absolutely no idea what this debt is for or indeed who Arrow Global are. Any ideas on what I should do? Regards Steve
  12. Arrow Global have noted a debt on my file with Experian starting in 2000 and have 'updated' this as a current debt in 2010. I have not borrowed anything from Arrow Global but had debts pre 2006 that have now been settled or written off by agreement. I have asked Experian to remove this debt from my file and they have referred me to Arrow, I have in turn asked them to supply me with details (paid a £1) but they cannot provide a copy of a contract. Experian will not remove the data from my file even though their 'client' cannot prove the debt. What is the correct course of action in this instance?
  13. OK....hope someone can help me. I have been ordered to attend court for Questioning in Jan 2012. This is in regards to a CCJ that was passed against me in 2008. I never received the paperwork and was completely unaware of this up until a week ago when the the above order (to attend for questioning) was served to my new address. This is because i was working out of the country from 2007- 2010. I would like to get the judgement stayed so i have a chance to defend myself againt the claim....especially since, as yet, i still have no idea what/where this debt is from. Additionally i feel that the Limitation Act of 1980 and the Bills and xchange Act of 1882 may apply here (however learning how to enforce/utilise these acts in my current predicament escapes me) I recieved a letter from arrow global in March 2010 (sent to my grandmothers address??). Upon receiving this letter i replied with a "Notice and Request for validation/clarification" which they ignored, along with another two letters i sent. I am assuming they ignored the letters as a CCJ had already been passed against me. I cant afford a solicitor and am in two minds whether or not to get legal aid (do they have a chance of being successful), or defending myself (which since this is my first court appearence may not be the best idea). I feel intimidated at this "ORDER" to attend for questioning since as yet, i havent had a chance to defend myself, i still dont know what/where this debt has come from, i dont know what the company have on me/what they may bring up at questioning And similarly can i refuse to answer some/all of the questions? I just feel that this has all happened behind my back and dont see why i should have to hand over my financial/personal info until i at least know if this debt is indeed mine. Any help would be appreciated. Thank you
  14. hi, i received a letter to attend court in 4 weeks time and until i rang i didn't know what the debt was for. After speaking to the courts and then to Hegarty? which is Arrow Global the debt is an hsbc account which was taken over by Arrow back in November 2006 at which point I was in the process of repossession. They took on the debt at a amount of 8255.00 and its is currently standing at 12,237.88. I do remember ringing HSBC when we first started struggling to repay an overdraft and credit card and was advised to take out a management loan which at the time I didn't realise and wasn't informed was similar to an IVA. With both the overdraft and credit card combined, i am still in confusion as to why it was passed on at such an high amount. The overdraft being no more than £1000 and cc no more than £3000. This i believe was arranged in 2005 when things started to get worse and doing the right thing with advice from the CAB I rang them to explain i was having difficulty making repayments and asked for the interest to be freezed. Arrow global have informed me they need my written consent to get original documents from HSBC and I really dont know what to do next...... Any advice would help please Helen
  15. Hi All, I have posted in various other threads about a debt with Mint for around £3000 dating back to 2007. This was originally passed to Bryan Carter who I sent a CCA request to, and was then not chased for 3 years until I received notice of assignment to Arrow Global/ Westcot earlier this year. I have not responded to them in any way since, however they now appear to have passed this to Credit Security Ltd who have sent me 2 letters threatening a doorstep visit. I have today received an offer from Credit Security offering me a 10% discount for full and final settlement. My question. I have recently come into some money which amounts to 75% of this debt and I would like to get this matter closed once and for all as this is now the only debt I have outstanding thanks to help and advise from this site. However, should I enter into negotiations with Credit Security or should I discuss with Westcot to offer around £2000 in full and final settlement? Can anyone please advise the correct way to negotiate to ensure that the debt is marked as settled on my credit report and this matter can be closed completely. Many Thanks Laura
  16. Hi a few months ago I received a letter from Fredrickson asking me to contact them regarding a personal matter, I checked the web and found this CAG forum so binned it. the next day I received a letter saying I owed their client Arrow Global £2229.27 I figured from this board that it related to Orange, I sent them a Prove it letter and received a reply saying it was on hold. Yesterday I received another letter from Freds which says, "We refer to your recent letter or telephone conversation with this office. Please find enclosed account dicuments, provided by our client as requested. we hope this clarifies matters and look forward to hearing from you with proposals for the discharge of this account. " Attached is a statement from Orange showing payments from 2002 up to 2006 when the last payment wasn't made. (£2229.27) I have previously been chased by Moorcroft for this back in 2006 after I was cut off by Orange for non payment. The charges are for one month when I was in Munich ( my usual bill was £40 average) these charges had run up through excessive charges whilst roaming including paying for received calls and text messages. I informed Moorcroft that I would only deal with Orange and sent Orange a letter stating I was not prepared to pay these excessive charges as they should have capped my account before allowing it to run up to such an excessive amount, I offered to pay for calls made and sms sent but not received (around £500) although still very excessive) I didn't hear anything until this year although I was aware it was still on my credit file and preventing me getting a loan or finance. At no point have Freds ever mentioned Orange up to now. My feeling is that the account is still in dispute with Orange and I am still prepared to pay them a reduced settlement but I am not going to pay a DCA one penny. I have also read that the law has changed and phone companies are now required to set an agreed limit on roaming charges or cut off services at €50 This was my original argument with Orange, also roaming charges were capped significantly after this. What is my best course of action? I intend to send Freds a letter saying you have attached a statement from Orange, how is this related to arrow Global, and that the account with Orange is in dispute and has been since 2006. and also to write to Orange again. Do I need to ask for an SAR first or do I just write again with my original dispute? As the EU have been fighting to change these charges is there any way of having them cleared as they were deemed to be excessive by the European commissioners?
  17. Hi I have recieved court papers from Bradford for an outstanding amount in respect of a credit agreement with RBS. I think I need to acnowledge service to give me 28 days to defend and then send someting to Arrow to provide me with paperwork, though I am unsure as to what to do next, they sent an agreement of sorts to me a while back: http://www.consumeractiongroup.co.uk/forum/showthread.php?128999-CCA-from-RBOS-Valid I am usure if I can defend this and if so, for what reason... Sorry to sound thick.
  18. Hi All, I am back for some help again! The full story to now can be read on the below thread; http://www.consumeractiongroup.co.uk/forum/showthread.php?153836-Brian-Carter-Solicitors-Advice-Please Total amount £3,223.58 With your advice, I managed to put Bryan Carter and his friends in their place and after they were unable to provide me with a CCA for this debt, I have heard nothing from anyone since September 2008. Within the last few days however I have received 3 letters which were sent to my parents house. 1/ From RBS stating that they had assigned this debt to Arrow Global Guernsey Ltd 2/ From Arrow Global stating that they had been assigned this debt by RBS 3/ A debt collection letter from Wescot demanding that I contact them immediately or face further action. I find this strange having not heard anything for 2 and a half years, however I am concerned that as I was contacted directly by RBS that this collection is legitimate. Can somebody please assist me with some advise on the next step? Many Thanks Laura
  19. Hi, I'm new here and was wondering if someone can help me in dealing with this problem. I recieved a letter from advantis credit who are claiming to be appointed to collect payment of a debt which I owe to Global Arrow. It also states that the "debt owed to arrow global assigned by Orange". Now I had an account with Orange in 2005/2006 (cant remember exactly) and I to my knowledge the account was paid and closed when I took out another contract. It doesnt give any more details over then the amount which is £400!!!! Now my questions are How do I get them to tell me where this debt is from and what I owe it for and why Orange have sold this debt with out telling me (this is what I assume they mean by it was assigned to Global by orange). They also called me on my mobile (which I have no idea where they got the number from) and asked me to confirm my details (which I refused), to which they lady on the phone replied I will post you a letter and then hung up! What is the best thing to do here, should I send them a "prove it" letter that I have heard so much about in previous threads regarding these matters. Obvousily I dont want to end up with a CCJ for a debt I'm not sure I have, particulary when I havent heard from the company for nearly 5 years. I have checked my credit report (via experian) and there is no sign of this account from Orange?? Many Thanks for any help Chris
  20. I original requested proof of contract but the said to me i had to get that from the original supplier and then asked me what i propose for the debt. I received NO contract just that the consumer credit act 1974 does not apply to mobile phone services and sent me back my postal order for £1.00. To let you know i do not owe this debt as i have never had a contract phone lol. Nice of them. I have recently found out that they still need to prove i owe the debt never the less with help from the templates on the forum i have written a second letter which i will be sending tomorrow i just thought i would post it here see what you think. Maybe have a giggle or two lol Dear Sir/madam Thank you for the recent correspondence sent to me dated 11/01/2011. I understand the Consumer Credit Act 1974 does not apply to mobile phone services but this does not excuse my request for your complaints procedure and proof that I owe the debt. I would like to point out that I have no knowledge and do not owe any such debt to Arrow global guernsey Limited (orange mobile), I have NOT obtained any device or service from this company regard to this al-edged debt so my proposal to you is to discharge the balance and close the case. I am familiar with the CPUTR 2008 and the Office of fair trading guidance on debt collection, which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Further more ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. Any further information or work to be done will be charged at £25.00/letter +VAT and £1200.00/hour +VAT for my time. I feel these are reasonable as my time and resources are valuable to me. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions which may also incur my charges at the rates stated above. I look forward to hearing from you in the very near future. Best regards
  21. Hi, Im looking for some advice I got a letter from a company called Arrow Global in November stating the I owe Orange £97.73 Until I received this there was no mention of this debt on my credit files and I didnt know the debt existed. I disputed this with Arrow Global and they asked orange for information on the Debt. The debt relates to a phone which was returned on 14 Day money back (Distance Selling Regs) They say it relates to a none returned handset. some line rental and calls. Line rental and calls I have no problem with but the phone was returned. The Account was opened on 18.02.08 Closed on 25.02.2008 Problem I have is its almost 3 years since the account closed and I no longer have a copy of proof of postage. Also I do not remember seeing a default from orange and wouldnt this have been on my credit file? Also can i have a default on a closed account ? Arrow Global state that the have taken over an old default from Orange which to my knowledge didnt exist. I have tried to speak to orange and they tell me to speak to Arrow Global I feel im going round in circles. Thanks for your help in advance
  22. Noticed on my credit file that a default was registered to me on the 17/04/2005 by Arrow Global Ltd for £68.49 with regards to an Orange a/c. Requested information with regards to this debt as had no knowledge of it, Arrow Global sent copies of the paperwork dated 18/04/2008 which stated that Orange had assigned all the respective rights to Arrow Global effective from 19/12/2007, the letter goes on to state that they will report this a/c as a "defaulted account" no earlier than 28 days from the date of the letter. Arrow Global in their covering letter are now advsing that I must pay now to avoid legal action for this debt. Firstly no idea what this debt is for and secondly if a default is registered with the Equifax on the 17/04/2005 yet Arrow Global advise that they will only default 28 days after a letter dated 18/04/2008 I know the default will drop of after the 17th April 2011 as six years will have passed with no payment made towards the debt but what are Arrow Global playing at? Any advice would be greatly appreciated on this matter
  23. Just need a quick piece of advice as waiting for a senior manager from MBNA to phone back. I have a loan with them, and have been paying off an amount each month under an arrangement. I have missed a couple of payments, and received some letters etc. I phoned on Friday to bring the payments up to date, gave a CC number to do this, which they took. They told me on the phone all was ok, now up to date. Later that evening they left a message on my answer phone to appologise but that they didn't realise I was paying with a Credit Card, they only accept Debit cards. So I phoned on Saturday and paid by debit card. They again confirmed that everything was ok. I got a letter yesterday, dated 1st Feb saying, "our records indicate that you have defaulted on your reduced payment plan. Failure to repay the missed payment and subsequent payments will result in the registration of a default at the Credit Referece Agency and the eventual termination of the agreement" etc. etc. I assumed, given the date, that it had just crossed in the system with my payment, but I thought as I had a spare moment today, I would just give them a call. The girl on the phone was very appologetic and said that defaulted the account on 28th, it was now showing as a balance of Zero as they have sold the debt on. WHAT? I have requested to speak to a senior manager and one is due to call me back. Where do I stand with this one, does anyone know? Many thanks, SD
  24. Hello everyone, maybe you can help me. I'm in a bit of a sticky mess. Heres a brief background. I have a debt going back to maybe 2002 an account I and my wife of the time (i'm now divorced, she ran off to America (true story))... opened a Debenhams account and at the point of her leaving me she left me in June 2005 with 5,100 of debt on an Debenhams (GE Money). At that point, not knowing what to do, I joined Kensingtons Financial, who write to all your creditors for you negotiating payments etc. One thing they did successfully with most of my creditors (except GE money) was to freeze the interest. I quit Kensington and started paying the creditors what I could afford on my own after getting some sensible advice about incomings/outgoings etc. I wrote many many times to them since 2005 letting them know I can only pay x amount and have paid them that, but they kept adding interest, but I put my head in the sand, as you do, and its got up to 10,500 now. I know this sounds like I'm trying to play victim here and I hold my hand up I did use the card, so did my wife (mostly), we buried our heads in the sand, simple as that and she left debt free as everything was in my name. Recently, I got a letter from them asking if I was in financial difficulty. etc and if so offering to freeze interest or increase repayments etc. I'm guessing 10k is some type of trigger limit for them. I wrote to them saying Yes please, stop the interest. And then keep paying them what I can per month. They've just wrote a letter unrelated to my plea as it were and said I now owe 15K including arrears. but total owed 10k and minimum payment 10k. I think their computer is screwed up or something because I got something like this last year, where it made me call them up and clarify it and they adjusted it. I'm guessing its some type of fear tactic to make me call them. Bearing in mind I am paying them every month, its not a huge amount but its all I can afford. I'm going to assume their computer again is not right, they surely cant slap 5k on there. The amount of interest they have charged is unbelievable. They are relentless. Ás you can imagine, I'm feeling very nervous and harrassed. I was hoping this year that I could maybe negotiate with them and ask them if I could pay them 3,000 as a full and final settlement as my dad is willing to help me, he should be getting payment around march. And I was thinking since I owed 5100 to start with, and my financial people (kensington) asked them to freeze interest at the time, they might accept it. Now I feel I dont know what to do. Can anyone offer me any advice as to what move to make next? SHould I request a CCA or something like that? Should I try and settle with them? I cant afford more than what I'm paying right now. Even if they scrapped the interest since 2005 (making it 5,100) and I paid the 3000 from my dad, and then was able to realistically pay them and pay the 2000 off a light would be in view. I dont want to go to court, go bankrupt (I have NO house or car or anything of real value). Thanks for listening. Sorry if I just blurted it all out, its the nerves speaking! Sorry for babbling there I think I've calmed down now for the minute! I've looked again at the statement they sent. I think they've stopped the interest for now as on the statement it says against 0.00 against estimated interest next month. So I think they've frozen the interest so far. The "amount including arrears" of jumping up 5000+ I have no idea about. My question is, do you think it might be worth me sending them a full & final settlement offer letter? only... I'm not in a position right now, my dad should be able to help in a couple of months or so. I hope! Or would a CCA request put me in a better advantageous position for negotiating first? Does anyone have any suggestions?
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