Showing results for tags 'arrow'.
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Received attached letter from Virgin announcing transfer of £3488 CC debt to Arrow Global. Included in same envelope was introductory letter from Arrow, requesting I make contact with Moorcroft who are now apparently "managing" my account. Also have had couple of missed calls from Arrow to my mobile over last couple of days. I intend to request contact by written letter only. Original account was with Virgin partner MBNA (under Virgin brand), transferred to Virgin itself last year. Original account opened Oct 2008. Last payment made 13 Apr. Last contact with Virgin I made was Sept 2015 requesting holding period of 30 days. Would appreciate any advice on best way to deal. Do I respond to Arrow or Moorcroft? My personal situation is: Currently on low income of £670pm following business failure earlier this year. Not expected to regain a full liveable wage for 6-9 months. Most other creditors currently accepting £1 per month nominal payment. I'm accepting of the fact that I will at some point probably need to enter into an installment plan, but am looking to "buy time" in the interim / delay the process if possible. Ceased paying all loans and CCs around March/April 2015. Balances as follows: Post Office Credit Card £4500 HBOS C Card £2100 New Day C Card £2100 Barclaycard £3600 Virgin CC £3500 Capitol One CC £4200 Barclaycard £4900 Tesco Loan £1700 Argos Card £495. Santander Directors Personal Guarantee (Ltd co. bank account) £2450 Utility Warehouse £420 Am homeowner with approx £17k personal equity, after mortage / sec loan / sec OD / wife's share of equity. Mortgage and secured loans being paid as per normal.
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Hi, I have a default account with MBNA dated 31/08/10 for a credit card account opened 31/10/97 which has been sold to Arrow Global on 15/02/12. I wrote to Arrow Global to tell them that I do not recognise the £ amount that they are chasing and also that I currently live in Australia, with full residency, in order that they do not try and lodge a CCJ as I am no longer living in the UK. Today I had an email from them '' Please find enclosed of a copy of the statement showing all transactions on this account. At this time we are unable to obtain a copy of your Consumer Credit agreement fromthe original creditor. This account will not be subject to collection activity until such time as the document becomes available'' I never paid for or formally requested a CCA. My question is if they have said that they have asked for one from the original creditor and it is not forthcoming, will they be subject to the normal 'default' even thoughI have not requested this information myself? Really appreciate some clarity!! Thnaks
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I'm new here so not sure if I'm posting this in the right place. I need some advice please regarding two old debts. One is a CCA debt, a loan originally taken out with Sainsbury's Bank well over ten years ago now. We defaulted on this loan around 2008 I think. Sainsbury's started court proceedings and wanted an order for sale of our house to which I responded that we had other creditors so it was unfair to them. I got advice from a credit counselling service and she said to offer token payments to all creditors. A few years back we received a letter from Arrow Global saying the Sainsbury's debt had been assigned to them and for us to send payments to Restons Solicitors we have been paying them token payments, although we have received nothing more since from either Restons or Arrow Global. Surely they are breaching the CCA by not providing six monthly statements? The other debt is an old overdraft with Lloyds Bank - the token payments are going to Robinson Way but I don't know if Lloyds still own the debt and whether it is just being collected by Robinson Way. Because it's not a CCA I don't know if there's anything I can do to check whether they are authorised to be taking our money. We historically had two credit cards too which we defaulted on in 2008 but these I should imagine are statute barred by now. The reason I am querying the Sainsbury's and Lloyds debts now is that I recently checked with all three of the credit reference agencies and none of them show these two debts. Experian have told me that even though debts do not show on credit reports does not mean they are not owed. I would like to get advice though as to whether I am paying money unnecessarily. I don't trust debt collection agencies to act reasonably and fairly as we have had a lot of harassment in the past. Any advice you can offer would be greatly appreciated.
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I received a letter two weeks ago from Arrow Global informing me that I owe them £3.950.39. the original agreement being with HSBC dated 06/10/2007, being transferred to Arrow Global on 13/5/2011 and telling me it has now been transferred to Rockwell who I should now direct all queries to. Yesterday I received a letter from Rockwell telling me the full amount is now overdue and must be paid within the next ten days or they will take "immediate action", or if I cannot pay in full to telephone them immediately!. Now the debt that Arrow quoted was indeed a debt I had way back in 1996 through Midland Bank made up of two separate accounts, a Midland Bank Account and a Flexiloan account which the bank closed and transferred to make up the total amount, after my life took a turn for the worse, (lost my business, wife and kids, and home) which left me in a lot of debt and misery and began the worst 8 years I have ever had. Continual harassment and abuse from DCA's. Solicitors, etc, etc. However eventually with the help of a lovely lady (now my wife), and a new son, (I am by the way, now 74 and a pensioner) we gradually turned it around and over the past few years life has been good, having got rid of nearly all the debt, and managing our finances best we can. So much so that I was recently offered a Free transfer credit card from Nationwide who I have had a current account with for the last 14 years and I accepted it to allow me to transfer a Capital One account that I had never defaulted on, to get lower interest and reduce the payments. We have been paying the debt quoted by Arrow every single month without fail since 1997 it started with Shakespeare solicitors then DG Solicitors in 2005, onto Phoenix then Fredrickson 2007 then we were being sent paying in books which then changed somewhere along the line to a card from MCS? that allows it to be paid at the post office which we have been doing regularly every month since, right up to date. I have all receipts dating back to 2004. The last previous contact we had with anyone was an annual statement from Fredrickson International on the 24th October 2009 that says phoenix Recoveries (UK) Limited were the original creditor, and Phoenix Recoveries (UK) Limited S.a.r.l listed as Assignee. Now I am terrified that all the hounding and threats are going to start again, and I am not going to be able to cope. Do I contact Rockwell if so, how, to my knowledge Arrow have not been involved at all, never contacted me before and this is the first I have heard of them. Do I keep paying with the card, because I'm now not sure where the money is going. I have now also received a letter from a company called pace forward entitled Important Address Confirmation saying they wish to discuss an “important personal matter” and to ring them urgently. I certainly am not going to ring them, but it seems strange that these letters have only started to arrive since I recently got my Nationwide credit card!. Could someone please give me some advice, as I want to try and fight these people, I'm fed up of being made to feel like I do.
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Hi, I could really do with some help. I have been the victim of fraud by a builder working at my property accessing my credit card without my knowledge and running up a huge debt. I very rarely used the card and never received statements in the post. Turns out the statements were being sent but were being accessed and disposed of whilst I was at work. I have been fighting this debt since 2004 with the debt being sold from one debt collection agency to another. Finally Arrow Global instructed Restons Solicitors to take me to Court for the settlement of the outstanding debt which was not caused by me. Unfortunately I lost the court case and the Judge found in the favour of the Bank (they had a better Barrister than me) and now I have to pay back thousands of pounds of debt that I didn't cause. I have been told I cannot appeal the decision. I am being forced to pay the debt whether I like it or not! I am a single mum and cant afford this and shouldn't have to pay something that has nothing to do with me. I have offered a payment of £50 a month just to keep them quiet but they have rejected my offer. They want nearly £300 per month which I cannot afford. Does anybody know who I can talk to clear my name or is it too late now I have gone to court? They also want to do a charge on my property that I don't want. I have since found out this Builder has a criminal record and has done the same [problem] to other people. If anybody knows how I can deal with this, it would be appreciated. The Police were made aware initially when I first found out what was going on , but were unable to help me, stating it was up to the Bank or Credit Card company to protect me as the Consumer and their Customer. I certainly haven't been protected in any way shape or form. -
I received compensation from a DCA for harassment etc, owning to my step sons debts. My step son as not lived with me for 4 years. Have I wrote to I long list of DCAs giving formal notification that he does not live with me and I will consider any phone calls, letters etc Harassment. One debt which the company I received compensation from(which they legally owned) I was told had been totally closed. Today I received a letter from Arrow Globel claiming that that they owned the same debt since 21/12/2012 and that they were appointing Allied International Credit (UK) to manage the debt. They could not have owned the debt since then because the other DCA owned the debt. Nor would the original creditor (orange) have sold then the debt because it is part of a formal complaint I have made against orange who knew that my stepson did not live with me. As anyone any suggestions on how they got this debt because the Original DCA as assured me that the account was sealed.
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I have received a County court claim for this morning from Arrow Global via Shoosmiths Solicitors for an old Capital One Credit Card Debt I allegedly owe. My last Capital One credit card expired in August 2008 and I hadn't used it for a while then. This debt has been passed around a number of DCA's over the years, upto about 3 year s ago. And then I heard nothing else until this morning. I have sent a number of CCA requests over the years and none have complied, they have just passed it on. From what I remember most of the debt was fees and interest etc. Can I use a no paperwork defence or should I write to Shoosmiths solicitors and request a CCA again. -
Hi, Looking for some advice on with the companies above. my partner has received a small claims summons from the Sheriff Court in Scotland requested by Shoosmiths on behalf of Arrow Global (original creditor was Capital One). In the almost 6 years I've been with her, I've never known about this debt until last October when she received a letter from Shoosmiths. I responded to them asking them what this was about (I never admitted to the debt in the e-mail I sent). My thinking is that it's statute barred as the 5 years have passed. My question is, how do I go about finding the information I need to prove this and who do I contact to get it? Any help is much appreciated.
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I am wondering what course of action to take regarding a debt from a MBNA credit card opened in 2005. The account went into arrears and was passed to global arrow and a default registered in 2011. My last payment was in Feb 2011. A few days ago I got a letter sent to a previous address from restons who say they are acting on behalf of arrow to claim immediate payment, failing to do so will result in a cc summons and a judgement against my name. Please could anyone advise on what I should do. If a send a cca request do I send it to restons or global arrow. Someone suggested sending a" letter before action" but I'm so confused as to what to do. Any advice would be greatly appreciated. -
2ND thread today! I am helping my brother with his CCA requests and now we get to MBNA. I wrote to MBNA on 27.3.9 requesting a copy of Credit Agreement. They defaulted the account on 01.04.09. ( although I am not sure if it is an actual default notice-I will try to scan it and post it)Then they wrote on 19.6.9 enclosing a copy of the agreement. It contains a copy of the signature form dated 26.10.03 signed by him and mentioning the credit limit. Then there is a form with personal information that looks like it is a form filled in from a phone call to him, then four more sheets containing terms and conditions ( which seem to comply with the act). None are numbered and could have been produced anytime but the last one has a typed reference no at the bottom containing the credit card number. How do we proceed here bearing in mind the papers were not sent until 19.6.9. -
I've been reading Carey v HSBC with horror. I contacted [edit] solicitors. They tell me that a signed application form containing the prescribed terms and conditions was an executed agreement. This has me really worried because Arrow Global has also told me this and want cash off me pronto. The real problem is that I didn't know anything about the CCA 1974 until after Arrow had a charging order against me. When I found out about 3 years ago I stopped making payments to them. I told them why. Arrow quote Carey v HSBC and has said they want cash from me or they are going to force a sale of my house. The CAB told me to contact [edit] solicitors. I showed them the copy application form from 2000. [edit] said this was legible and as far as they were concerned it was a legally enforceable agreement as the terms and conditions seemed legible and prescribed. I've attached page 2 of the application form from 2000 containing what [edit] has said is the prescribed terms. I cannot read these terms. Wonder if anybody can. If you can read them do you think they form a legally enforceable agreement. This application form is what the original creditor sent me as part of a SAR and a CCA check. At the time I told them I couldn't read the terms and asked for a clear legible copy. I'm still waiting. Recently Arrow told me they would send me a clear legible copy but I'm still waiting. Anybody got any advice as people on this forum tell me that an application form is not an enforceable agreement but this was said before Carey v HSBC.
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My wife had a Natwest Credit Card Account from around 2001- 2005. It was closed with a balance of about £3000 then sold to Arrow Global. Last payment to original lender was around 2007/8. No acknowledgement or payment made to DCA at all. They wrote many letters in 2012 demanding for payment because we had made a claim for default charges. We asked them to prove but they went quiet but at the same time the claim for the default charges was partly successful but Natwest decided to make that payment to Arrow Global despite my wife's protest. I wrote and informed them that the dedt was statute barred but they never responded. We did not hear anything and no CCA was provided when requested at the time but upon receipt of the claim form early this month, I wrote to Arrow reminding them that they were still in default of the CCA request. They wrote bck claiming that they did comply in 2012 and enclosed a copy of the application for with "T&C" which can not be read. I acknowledged the Claim and also sent CPR request to Drydens for which they responded that they have passed it to their client. They claim that the last payment was made in 2012. The only payment I can think of is the one from Natwest. Does this reset the clock? Can I use statute barred as a defense? Thanks Dot -
I've just received a summary cause summons from Arrow for the sum of £4324.32 for a credit card debt I owe. This debt is not SB and won't be for a while. The summons is legit and I have to answer it. My question is this: If I took PPI out with the credit card, can I make a counterclaim, stating that the amount the pursuer is claiming is incorrect because of owed PPI and interest? If I did, any opinions/advice on how this might go? Or should I just bite the bullet and make an application for a pay over time? Thanks for any advice about this. I'm considering going for a midnight swim in the Atlantic. -
Hi, looking for some help... we had a CCJ last year from Arrow Global via Restons Sol. We applied to set aside the application however we have been refused! We need to have to CCJ cleared. Reluctantly we are looking to offer a full and final settlement, however before any payment is offered I have the following queries : Do we need to request Arrow Global to provide proof that they have ownership of the debt. We have never received any letters in the past from AG nor we have never made any payment, as we no idea what the claim is for. Also, if the full and final payment is made, will the credit file get marked as satisfied and not partially paid ?
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Hi all, Has anyone ever had any experience agreeing a F&F with Arrow Global? HSBC defaulted us on a joint bank account overdraft back in December 2009. It appears that the debt was then sold to AG. At the time it was for approx. £1200 but we have been making DMP token payments since 2009 and it is now down to around £800. My questions are: Are AG likely to agree a reduced F&F easily? Are AG in a position to have the default removed if we pay a F&F?
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Have had some massive financial problems in the past but thought they were behind me. Just looked at my Noddle report and there is a CCJ for £567 dated January this year against an old address. Apparently for a credit card defaulted in 2009. At the time I wrote to all creditors offering small monthly payments and several of them accepted and are still getting these payments every month. If this is for a credit card I had, I have no recollection of it. This is the only black mark currently on my credit report, but I can't afford to pay it. What should I do? I did try searching the forum but couldn't find anything the same so I am sorry if this question has been answered before. I am a woman approaching retirement age, living with my partner in a small privately rented flat. I earn a minimum wage from a part-time cleaning job and do not receive any benefits. I own nothing of any value.
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Hi Guys I'm really after some advice... I purchase a secured loan from Citi in July 2006 to consolidate. (Stupid as I borrow 16K over 180 months/15yrs which payback means I pay back £49K in total) However the issue is as follows.... I haven't paid anything since sometime 2013... and no chasing was done by Citi Then.. 10 June 2014 - Informed they were transferring this loan to Arrow on 29th June 2014 - no mention of my arrears of payment just informing me this debt was being transferred 11 June 2014 received letter from Arrow saying taken over debt again no amounts mentioned and new direct debit details and that continue as normal spiel 25 June 2014 received letter from Arrow asking to fill in Data Capture form - not filled in or returned 28th July 2014 received letter from Arrow about changed to tariff Then nothing received until 27th Feb 2015 letter from Arrow saying account in arrears by £516.82.... (Top of letter say outstanding balance £516.82 & Arrears balance £516.82) So it doesn't add up... Why when haven't paid anything since 2013 am I only £516.82 in arrears??? (My normal payment were £276.27 a month) any why at top of letter is outstanding balance £516.82 and also arrears?? 14th April 2015 letter received from Arrow saying instruction to send a field agent out as the account remains in arrears... Now the top of the letter says outstanding balance £530.48 and arrear £530.48) 30th April 2015 - Field Agent called from Excel Counselling Service (no we were not in and even I was I would not have answered the door) Left letter saying please call to discuss arrears held on this 2nd mortgage and a mobile number. I basically do not know what to do... Do I make contact?? I do not want to go back to paying £276.27 a month as with my current situation would kill me financially. But If they are saying I only owe £530.48 only where is says outstanding balance and arrears amount same - would be willing to get this cleared but I don't know if I can go off that?? Why also would they not have tried to do a repossession order or something similar with no payments being made and no really efforts to claim this money back by lack of letter received??? I have a phone line but we don't have a telephone line connected to it, but I know that someone has tried to call a friend of ours who lives in the same area but ours is a road name and their is a close name and its was just luck that it was a friend who live on the close and said someone rang asking to speak with you or your husband and I said Never heard of them and got wrong number. Please Please help as Im now struggling to sleep as dont like idea of people calling at my house Thanks in advance Candy
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Hi, I'm currently in default to egg for a loan after falling behind with payments after losing my job. they passed it onto capquest debt recovery who are useless. I set up a payment plan for £75 monthly, after making 6 payments by SO from bank capquest wrote and said they were taking further action due to non-payment. I was advised to cancel the payments and send off a copy of my bank statements showing the payments, which I did. They wrote acknowledging these and set up a new SO for £75 again. A payment left my account on 4 May but last week they sent me a letter saying they were now going to send a collector to my door due to me ignoring repeated requests for payments or a payment plan. I've tried speaking to them on the phone but they are bloody useless. Can anyone tell me what to do next, I'm not that great on the phone and if anyone comes to my door I'd panic and probably agree to whatever they asked for whether I could afford it or not. Any advice would be very much appreciated. Thanks
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Hi, I have received a claim form today with the following details, any advice will be appreciated! This is the first I have heard of this issue!! Issue date 17/04/2014 What is the claim for – the reason they have issued the claim? The claimant claims payment of the overdue balance due from the defendant(s) under a contract between the defendant(s) and Egg dated on or about 13/06/2006 and assigned to the claimant on 28/02/2013 in the sum of (14k) Particulars acc no xxxxxxxxxx Date 03/03/2014 Item Default balance Value 14k Post Refrl Cr Nil Total 14k What is the value of the claim? Approx. 14 k Has the claimant included section 69No Is the claim for a current or credit/loan account or mobile phone account? Loan account When did you enter into the original agreement before or after 2007? 2006 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Arrow Global via restons solicitors Were you aware the account had been assigned – did you receive a Notice of Assignment? This is the first correspondence Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No can anyone offer any help? really don't understand what I should do?? -
Evening all, I have recntly recieved several calls from a company called arrow global asking me personla questions to "deal" with a supposed outstanding debt. Due to so many [problem]s out there i told them i would not give personal details to confirm who i was. Today i recieved a Claim form, with several others included. The first being a Claim form with the number N1CPC on the bottom left hand corner. In it it states i have an outstanding debt from 2002 for littlewoods, and that it was assigned to the claiment on may 17 2007 I see no stamp or seal on the form, i assume this is a stamp from a stamp machine, not a preprinted stamp on the form with a crown and the words the county court, no real stamp just the preprinte one. I have since this date had another little woods account at the same address and a ISME account who are also littlewoods at the same address, i do not recall this debt have no paperwork from 13 years ago and have never to my knowledge agreed to pay Arrow any amount. Am i correct that this debt is past it date , i recently out of curiousity got my exeparian credit file and i have no CCJ's on it or any ourstanding debts of any sorts. I really dont know about this debt and am sure its statute barred if they received it in 2007 and their letter is dated 21 jan 2015 Plus if i did have the debt surely littlewoods would have done something sooner then 5 years before selling the debt to arrow?? Any help would be appreciated , i dont want to just ignor this letter in case it is genuine, kind regards grant -
Hi I am dealing with a disputed egg loan on behalf of my daughter, we have been through succession of DCA’s all have not provided any details of the CCA. In Sep 2013, a claim was issued by Shoosmiths on behalf of Brittanica in the Northampton CC which I defended on the basis of no CCA provided under S78. Nothing more heard until a notification of assignment from Brittanica to Arrow in May 2014, which we ignored expecting the letters to start again. This was then followed in Sept 2014 with a request via the Court for a transfer of name from Brittanica to Arrow global on the Sep2013 summons, which was an automatic grant. Arrow have now responded claiming to have complied with S78 request in Feb 2012 and June 2013, which clearly they hadn’t as they only had assignment in 2014, and again demanding repayment. The CCA supplied is clearly a reconstitution and has the address incorrect and shows PPI which my Daughter has never ever taken out as her employment was always secure. I attach the CCA as pdf, I have removed personal references. I am suspicious of what arrow/shoosmiths are up to, the last letter from shoosmiths is full of inaccurate dates and claims, I have meticulously kept a file of all correspondence and so I can verify dates. But I am unsure of the way this is progressing, why issue a summons then change name when it’s defended? Is the CCA enforceable? What would be their likely next step? How should I proceed with this one? Thanks In advance for any assistance -
Hi all I have recently had the delightful Scotcall get in touch with me about a former MBNA debt of 5K+ Some time ago I got a letter from MBNA stating they could not locate a credit agreement so would not be pursuing the debt. It was then sold to Aegis who backed off and now some years later Scotcall. After requesting a credit agreement they have sent a photocopy of an agreement signed in a supermarket- not an agreement as I would define one. Any ideas on where I should go with this??
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I need help with a Claim form I have received today please. Many thanks to anybody who replies, Toots.
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Arrow Global Stayed County Court Action cap1 card
potman100 posted a topic in Financial Legal Issues
Hi I've browsed through this section looking for an answer to this but can't seem to find one ! I received a County Court summons from Wilkin Chapman Grange Solicitors in July on behalf of Arrow Global, who had purchased some outstanding credit card debt from Capital 1. I filled in the forms online and denied the debt, I also submitted a CPR 31.14 request to Wilkin Chapman Grange Solicitors, they responded to the request and said they would grant an extension of 8 weeks so they could supply the documents and give me time to answer them. It's now been 11 weeks and I still have not received an answer to the CPR 31.14, I have also contacted the court and they have said that the case has been "stayed". My question is, Is there anything I need to do ? Thanks in advance for any help. Regards Potman -
Had a good job, career, home, money, etc. Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah. Now, for past year or so, been earning, and getting back on feet. Looking to start paying back, and deal with all my debts. Have done as much due diligence as I can, and need some pointers. I have a number of creditors, with debts totalling around 45K. Have been paying token payments of £1 to most, some more. Looking to get StepChange advice and help. But also need some idea of full and final offers to really motor down the debts. So, as a starter, here are some of my most pressing questions: 1: I am having difficulty filling in my Income and Expenditure, as my income fluctuates. (I am working freelance, as am probably too old to be employed by a company.) I am wary of entering payment schedule and failing. Prefer to keep paying token amounts, then offer surplus every 6 months or so. Would creditors go for this? 2: I understand the first step may be to get CCAs from my creditors. Are there any downsides to asking for CCAs? Would creditors sense that I am trying to wriggle out, and go for asking for more, or get heavy-handed? 3: Are CCAs only for debt companies, or even the Originating creditor? (some of my debts have been off-loaded to debt-companies.) 4: What is the purpose of SARs? How does that help me? I understand they might be for finding penalty fees, etc? I know I accrued a lot when I couldn't pay any amounts when I started my downhill slide. 5: When offering Full and Finals, do I go for the biggest first? 6: I have been sold from one debt-company to another on some debts, I dont know what I am paying for on some of the payments!! Can I just phone them up and ask where the original debt comes from? (I have signed up with noddle, and got my list of creditors and credit file, so I have a starting point. I have been reading this forum for a few days, and have built up some knowledge, and seen how helpful this site can be. I would like to ask for some help in taking the first steps for an eventual bright future. PS: would it be ok to list my debts (with some fudging to protect myself) as a starting point?
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