Showing results for tags 'global'.
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Absolute Locate aka Global Debt Recovery Limited
InfoGeek posted a topic in Debt Collection Agencies
Had a letter earlier this week from: Absolute Locate Dear Mr x We require your assistance to verify information on behalf of a client. This is part of an investigation we are currently conducting Please contact ect ect No, I have not responded, and don't intend too. Letter states this registered office is for a Nat Bourner Huddersfeild HD2 1GN CCL 579084 DPLN ZA019311 Having done some homework and looking on this group, they are not who they say they are First off, the CCL 579084 is incorrect, Consumer credit number 579084 is for a Natalie Alice Bunyer not Nat Bourner as stated in this letter (She has married, but not changed the name) She also resides in Surrey not Huddersfeild this information is therefore falsely registered and constitutes either fraud and or deception. these people are in fact: Global Debt Recovery Limited Milbourne House 66-70 Coombe Rd New Malden, Greater London KT3 4QW I am assuming that their client will be: FV-1 INC of 25 CABOT SQUARE, CANARY WHARF, LONDON E14 4QA if you take a look here at: mylawer co uk - restriction of debt collectors They have already broken the following guidelines 1 Those contacting debtors not making clear who they are, who they work for, what their role is, what the purpose of the contact is 2 Not informing the debtor when their case has been passed on to a different debt collector 3 Passing on debtor details to debt management companies without the debtors informed prior consent i.e FV-1 INC will have passed any alleged debt onto Absolute Locate, who in turn will then pass that onto Global Debt Recovery Limited and all without my informed prior consent, add to that Absolute Locate is just a dummy office which IMO amounts to deception. Adding to this, they would’ve already broken the Data Protection Act by passing my details on. I will post more when I receive their first letter. But as you can see from my tone, I am not going to be messed with by idiots, I will be going straight for the jugular Ps. If (big IF) there is a debt, if would’ve to be more than 8 years old or more, so Statue Barred. -
I have received a claim form from Restons / Arrow global dated 10th December. Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. The are claiming just short of £4000 for an old loan debt The loan started in 2005 and should have completed in 2010. I was in a serious amount of difficulty in 2009. I used the advice from another forum (cant recall which sorry) to send a number of template CCA request letters and the account has been in dispute without payments since June 2009. I believe that I should send a CPR31.14. Also, I should acknowledge the claim online within 14 days and send a defence within 28 days. It will be difficult for me to find the money quickly and hopefully the court date is later in the year to give me more time so I am very stressed right now. -
Hi, this is one of two claims I currently have going against me. Both of which are close to statute barred. This is my bigger worry of the two as this one is only statute barred if you go from the date the last payment was made, however it is not quite six years statute barred if it goes from the date the first payment was missed. Name of the Claimant ? Arrow Global Guernsey Limited Date of issue – 11/12/15 Date to submit defence = 12th Jan (33 days in total) - What is the claim for – The claimant claims payment of the overdue balance from the Defendant(s) and MBNA dated on or about October 06 2003 and assigned to the claimant on Dec 20 2001 Particulars a/c no. 444444444555555555 Date :18/11/2015 Item: Default Balance Value: £8200 Post Refrl Cr: Nil Total: £8200ish What is the value of the claim? £8200ish Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? before 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 Were you aware the account had been assigned – did you receive a Notice of Assignment? yes , I received a notice dated 09th march 2010 Did you receive a Default Notice from the original creditor? yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I dont think so Why did you cease payments? Did a CCA request as I couldn't keep up with payments. I took nearly three months to receive a signature document so account was placed in dispute and payments ceased What was the date of your last payment? 02 december 09 Was there a dispute with the original creditor that remains unresolved? yes, following my CCA request I received a photocopy of a tear off slip with my name on and on the rear of the photocopy was a photocopy of terms and conditions, although they are the same size which makes it look as though they are from the same tear off slip I noticed they have different document reference numbers and dont believe the photocopy of the rear I received was the true rear. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no -
Name of the Claimant ? Arrow Global Ltd Date of issue – – 24/2/2016 What is the claim for – 1.The claimants claim is for the sum of £3480 being monies due from the defendant under a regulated agreement between the defendant and Marks & Spencer Financial Services PLC(acount no. xxxx) and assigned to the claimant on 30/1/2013, notice of which has been provided to the defendant. 2. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974 3. The claimant claims the sum of £3480 4.C has complied , as far as necessary with the pre-action conduct practice direction. What is the value of the claim? £3480 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? credit card When did you enter into the original agreement before or after 2007? after 2007 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. ARROWS Were you aware the account had been assigned – did you receive a Notice of Assignment? no Did you receive a Default Notice from the original creditor? I may have but it was many years ago if I did, around 2006/7 possibly Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I have received nothing since september 2013 Why did you cease payments? I was in financial difficulties so entered into a DMP with Payplan which I ended in September 2013. What was the date of your last payment? I made my last payment to Payplan in either August or September of 2013 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Yes I have acknowledged the claim and that I intend to defend it all and have sent off my CCA and CPR requests. -
hi guys - please help with this one... I am based in Scotland... I had a credit card, 2 actually, with MBNA. Stopped paying them, and others, about 4 years ago - as I'd got involved with a company called Credit Issues, who deemed that all of my credit cards were unenforceable, and I didn't need to pay them. I knew it was going to screw up my credit rating, but wasn't too bothered about that - to be safe, I'd say Jan 2016 will actually see everything totally statute barred, so this gives you some idea of timescale, but I've not paid anything, nor had any contact with any DCA in the interim. One card in particular, MBNA = £9000 outstanding approx. was passed between various DCA and eventually ended up with ARROW GLOBAL, relatively recently. They wrote to me last week, although the envelope it came in was branded YUILL AND KYLE - stating they had passed the debt to YUILL AND KYLE, who would be handling this debt for them. SO why did it come in the YUILL AND KYLE envelope?? it was ignored, as per usual. However, YUILL AND KYLE have written today saying they will issue court papers (unsure of exact wording, as I do not have it to hand) if I do not pay within 5 days. Now, I've had LOADS of these letters, and ignore them, as they wording is 'MAY take legal action...' - but this time they say the will take legal action - and reading up on them, I see they're a right bunch, who try every trick in the book - including the mistiming of letters and so on. I've not acknowledged this debt in 4 years, I am sure I have been offered discounts on the debt from previous DCA, which always suggests to me the debt is a stinker and they cannot enforce it, so they're trying to get a few quid, which is better than nothing. Am I correct in this assumption? If this is correct, I'm taking the chance that they are just trying their hand in the strongest way possible. And I will NOT contact them, and will wait to see what they do next. So, question is this, if they do take the next step, what steps, in the right order, do I need to take next? I hear about CCA, prove it letters, SAR and so on, but is there a specific order to these, and to whom should they be addressed? MBNA, Arrow, YUILL AND KYLE...?? And does sending a CCA/prove it request stop any impending legal proceedings, for the time being? And also, does sending a SAR, CCA etc admit any liability for the debt whatsoever...? I'd dearly love to sit this out and for it to go away once it becomes statute barred, and drop off my credit file, so I can start rebuilding my credit rating again. Any help VERY MUCH gratefully received - many, many thanks in advance. -
I'll try to keep it brief but succinct: I've received various bog standard letters from Shoosmiths on behalf of Arrow Global, about a HSBC Credit Card debt they bought from the Bank in 2014. I have taken no action with regard to these. Shoosmiths have however today tried to up the ante by threatening Court Action unless they have my proposals for repayment within 14 days. Is it appropriate, at this stage, to send a CCA Request letter (and am I correct in sending it to Arrow Global, who are the owners of the debt, and not HSBC, the original creditor? The letter from HSBC that I have, dated July 2014, states that "Arrow Global is now the owner of the account"). Should I also request that Arrow Global advise Shoosmiths not to take any further action until / unless my CCA Request has been complied with? Should I further write to Shoosmiths, advising them of the request that I have made of Arrow Global? This debt was previously (2012) being handled by CapQuest, on behalf of HSBC. I sent a CCA Request at that time. CapQuest acknowledged that they were unable to provide copies of the relevant documents. Should I advise Arrow Global / Shoosmiths of this fact, or is it better to keep my powder dry at this stage? If the above course of action is not the correct one for me to take, I'd be most grateful if you could point me in the right direction! Many thanks Airtomoreira -
There is lots of money to be made by those who administer this green rubbish, they are inflicting a lot of harm on the majority of people in this country, while making themselves very rich. They are the main cause of the terrible flooding in this country, they in my opinion deliberately failed to do the dredging required, causing flooded homes and farm land. -
Hi and thanks for looking at this thread. I am about to defend a claim from an old Sainsburys credit card debt which has literally just become statute barred...I hope! Name of the Claimant Arrow Global Limited Date of issue – 30th Nov 2015 Date to submit defence = 4pm 01 Jan16 (33 days in total) - What is the claim for – 1. The claim is for the sum of £7000 in respect of monies owing by the defendant on a credit agreement held by the defendant with Sainsburys Bank PLC under account number 44444455555 upon which the defendant failed to maintain payments. 2,A Default notice was served upon which the defendant and has not been complied with. 3 By virtue of a sale agreement between Sainsburys bank PLC and the claimant, the claim vested in the claimant who has a genuine interest. The defendant has been notified of the assignment by letter. What is the value of the claim £8000 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account - Credit card When did you enter into the original agreement before or after 2007/ - before 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 Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure Did you receive a Default Notice from the original creditor? yes, notice dated 11th feb 2010 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I dont think so but couldnt be 100% sure Why did you cease payments? - first payment missed 24th November 2009 What was the date of your last payment? last payment made 24th October 2009 Was there a dispute with the original creditor that remains unresolved? sent CCA request which took 3 months to arrive. The document they sent had a signature on but it was really just confirming personal details and my signature on the bottom. On the rear of the photocopy they sent me were some reconstructed terms and conditions. I placed the account in dispute and stopped payments. I also asked for a photocopy of the actual rear of the document but one was never sent to me. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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credit card debt. was with Arrow. they sent letter that all "queiries, correspondence and payments" should be with Restons. recently got letter from Restons. I sent a CCA to Restons.(£1) They have returned it saying they are not the creditor, and that I made the PO payable to them. I am confused. Have I wasted all that time and effort (sent as Track and Trace)? do I resend CCA to Arrow? -
Hi all, Me again Name of claimant: Arrow Global Date of issue – 21/10/14 Date of issue 21/10 + 19 days ( 5 day for service + 14 days to acknowledge) = 8th Nov + 14 days to submit defence = 22nd Nov (33 days in total) - What is the claim for – The Claimants claim is for the sum of 7,500 being monies due from the Defendant to the Claimant under a regulated agreement between the Defendant and MBNA and assigned to the Claimant. Notice of the assignment has been provided to the Defendant. The Defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. AND the Claimant claims the sum of 7,500 TOGETHER with the costs of this claim. What is the value of the claim? 8,000 Is the claim for a current or credit/loan account or mobile phone account? credit card When did you enter into the original agreement before or after 2007? Feb 2007 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 Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I remember Did you receive a Default Notice from the original creditor? Not that I remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I remember Why did you cease payments:- 2009 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? DMP entered into in 2010 but failed after 2 months I'll get the CPR and CCA letters off this weekend. Thanks in advance, AT -
Hi All Received a County Court Summons 14th Sept 2015 from Arrow Global(claimant) on an M&S card debt assigned to them on Feb 2013. I acknowledged and have to file defence on the 17th October. I sent CCA request to Arrow Global 0n 18th Sept and they replied on 25th Sept saying that they do not accept they are the creditor as envisaged by the statute however they are willing to help and process docs from the creditor ...however nothing received as yet also they confirmed all collection activity will be suspended pending provision of docs. I presume this wont mean they have halted court summons so i will still defend. Question .....? Is my defence that they havent complied with CCA request and that as per their letter of 25th Sept they have stated that all collection activity will be suspended pending provision of CCA documents Thanks
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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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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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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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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. -
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, 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 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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