Looks like I have joined a forever-growing band of innocent people targeted by money-grabbers. Received a letter from Arrow Global telling me that Phoenix Recoveries (UK) had assigned all its rights etc. to Arrow Global Guernsey and that I owed £502.17 to Shop Direct Group under account no xxxxxxxxx. Further I was to reply to pay Wescot Credit Services on a PO Box number in Hull. Yea sure I'm about to do that! A basic flaw in all this is I don't owe anybody anything, have never had any credit from/with Shop Direct Group (basically Littlewoods I believe) have not signed any credit agreement for many years, certainly in excess of 6 years. My instinct (supported by comments on this website thank you) is to bin it and not make any contact with any of them. Then I think that IF my identity has been stolen and others are buying in my name, then I need to know. A recent credit check on my name showed "all clear" At the end of the day i would like to give Arrow Global et al a bloody nose for trying to scare people like this, so any advice or comments would be gratefully received Ricky

Hi All, I have received a claim form, today, this is what I have done so far. Prepared but not sent - SAR, CCA Request, CPR 31.14. My Answers to your questions are shown in RED. Thanks all You have received a claim form. In order for us to help you we require the following information:- Name of the Claimant ? Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 14th April 2014 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. 1. The claim is for the sum of £8400 in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNA under account ****** upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between MBNA and the claiment, the claim vested in the claiment who has a genuine commercial interest. The defendant has been notified of the assignment by letter. What is the value of the claim? £8400 Has the claimant included section 69 interesticon (8%)within the total claim or is it shown separate within the Particulars but not added to the debt? No 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? Original agreement was 1999 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 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 ? No, I had one this year, not in 2013, not in 2012, 2011 - 2008 Why did you cease payments:- Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, paid for about a year, disputed interest and charges, told them I would pay what I had borrowed but nothing else What you need to do now. Answer the questions above If you have not already done so – send a CCA1974 request to the claimant Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts Request 1 - Loans/Credit Cards Request 2 - Current accounts Thanks for reading, look forward to your thought.

Hi, just received a County court claim form from Arrow Global via Restons solicitors for a shop direct account that I know nothing about. I vaguely recall having letters from them in the past and I told them then that I have no knowledge of the account and also sent a prove it letter and as such have heard nothing for a while until now. Here are the particulars of claim: The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Shop Direct dated on or about 18/04/2005 and assigned to the Claimant on 13/05/2011 in the sum of 960.50 PARTICULARS a/c no:- DATE ITEM VALUE 01/05/2013 Default Balance 960.50 post Refrl Cr NIL TOTAL : 960.50 I have sent AOS online today 14/02/2014 stating that I will defend the total amount a nd I have also sent a CPR 31.14 request to Restons today via recorded delivery. Do I need to also send a Part 18 request and if so to who? any help will be appreciated.

Checked my credit file, Had a default from Arrow for £9.52. So i sent them a letter asking for a CCA agreement (was unaware mobile wasnt covered for this). They have responded with the following After some advice to go back at them, My next approach will be my SAR request - how ever mobile phone accounts are somewhat hard to over come, its very annoying to be default for such a small number. Any tips and advice would be most welcomed.

Hi I was wondering about Absolute Locate. I have just rec'd letter addressed to son (Okay I have got his permission to open his mail!!) from Absolute Locate. Same thing verify information, investigation currently conducting etc etc. My son had two a/c that were being pursed one by Lowell & Red and the other by MacKenzie Hall & Clarity. These were the only two debts he had. I know 100% that he has not racked up any more debt as he is in Asia! I contacted both sets of these companies way back in 2013 and told them in no distinct terms that he has never lived at this address it was for mailing purposes only and I was sick of their letters so DO NOT contact me again. I was assured that they would take me off their mailing lists and sorry for trouble etc. I even threatened to sue for harassment if they contacted me again. If Absolute & Global Debt are related does this mean that one of the Companies I spoke to have sold the debt on or is there still a relationship between Absolute Locate and say for instance MacKenzie Hall or any of the others chasing these old debts? Thanks

Hi can anyone advice please. Owed a small debt to Provident back in 2007 but moved about over the years, a company called Arrow Global sent demands over years, but have now sent debt to Reston Solicitors. On this letter it says Date Of Judgement 5th July 2012 and if they dont hear from me they will Revert to back to their client seeking instructions regarding Enforcement. Does that mean they going to get Bailiffs involved? Its been 7 years and i have not contacted them so how have they taken me back to court for a sum higher than i remembered i owed.

hi all, i have recently setup a dmpicon to pay of various credit cards and loans. on the 21/03/14 i received a letter from arrow global stating that the management of my account had been transferred to drydensfairfax solicitors. i contacted them two days ago and they said their system had not been up dated with my details and they would call me back (still waiting). this morning i received a letter threatening court action if i don't start paying them. any help would be much appreciated

Hello all, I really could do with some advice. I have an alleged debt for 20k with MBNA which was sold to Arrow Global then Blake Lapthorn. I have two (yes two!!) defaults on my credit file for this same debt. One from Mbna & one from Arrow. Both defaults will drop off my credit file in around 50 days at which time I believe the debt will be statute barred too. When they drop off, my credit file will look much better than it has for the past few years. To throw a spanner in the works, I have received a letter from Blake Lapthorn asking me to contact them within 14 days with a repayment proposal or they will commence legal action. Whats my best course of action? These are my initial thoughts - 1) Try and delay things until the debt becomes statute barred. 2) Enter into a payment arrangement to avoid a CCJ. (If I did this, will the default still drop off and no information be available on my file?) I have a few defaults and one CCJ but they all drop off my file this year. I desperately need to avoid any other advese because I'd like to get a mortgage at some point in the near future. Thanks

I have a debt with Arrow Global from 2007. The original debt was £3995, but they took me to court, never received any documents and I found out I had a CCJ issued in Jun 09 for £491. I would desperately like to pay the CCJ. Rossendales deal with the account even though Arrow Global still own the debt, I can't deal with them directly. The Court has told me I only need to pay the £491 to remove the CCJ. The problem is that even they are refusing payment for the CCJ, and insist on me paying at least £3000. This old agreement has left my credit report, only the CCJ is still showing. After months of arguing about it, I agreed I would pay the £3000 as I really need to satisfy the CCJ, but they have told me the Full & Final letter would not indicate that its in receipt of the CCJ as well as the original debt, so therefore pointless .. . If I can't get a receipt then I can't get a certificate of satisfaction. Any suggestions, I have tried the Financial Ombudsman and they can't help. I don't know where else to try.

Hello, 2 Months ago i recieved a letter from Global Debt Recovery. As my credit is now good and i do not have any outstanding debts which i know of i was curious and worried so i stupidly called them. An agent on the phone asked me to confirm that i was the person who the letter was addressed too which i did. He then preceded to tell me about an apparent debt which i had with TSB over 11 years ago which i have heard nothing about since having banked with then all these years. I told him that i was unaware of any debt and that i wanted some proof of this. A few days later i recieved a statement from TSB which showed a debt of £423. I never called them back but as you can imagine i have since had phone calls and letters from them every week if not more frequently. I have not contacted them since. Today however, i recieved this letter which has made me feel very anxious and worried. Please can anyone advise me what is the best thing to do as Global Debt Recovery are saying i owe £748! "Dear Miss xxx Client FV-1 Debt Due £748.49 We are today instructed to recover the above debt from you. We are unaware of any reason why you have witheld payment. Contact us immediately to discuss repayment or your credit rating may be affecetd in an adverse manner. Yours Sincerely, Collections Deptartment" Please can someone advise? All help will be very much appreciated.

Hi there, This morning I received a letter from Restons on behalf of Arrow Global claiming I owe £250-ish. I have had letters from Arrow global previously, who bought the debt from someone else. Its statute barred, and neither Restons nor Arrow Global have mentioned the original creditor in any letters. Anyway, they claim that Arrow Global obtained a CCJ against me in 2011, but this is the first mention of it, and it was not on my Experian Report last year when I checked it. How do I deal with this? I don't want to pay trust online to do searches for the CCJ if it does not exist, and I do not want to write to Restons just in case it resets the Statute Barred Limitation( i'm not 100% its over 6 years ago). For Clarity, I think it may be Provident, I had dealings with them prior to 2008, I lost my job and asked to lower the payments as I couldn't afford them, and they were not particularly nice to me(some threats were made by them) so I stopped paying altogether.

My husband has just received a letter from Arrow Global (first time we'd heard of them) containing the following: ------------------------------------------------------------------------------ Dear Mr ****** Debt originally owed to Shop Direct Group Assigned by Cyclone Asset Management Limited Account Number: ****** Notice Of Assignment We advise you that Cyclone Asset Management Limited has assigned all of its respective rights, title and interest in respect of the above referenced account (including the right to receive payment of the outstanding balance) to Arrow Global Guernsey Limited, effective 23rd December 2011. Any payments made on this account after 31st December 2010 will be passed to Arrow Global Guernsey Limited and will be deducted from the current balance. It is essential that all future payments and correspondence regarding this account be directed to: Fredrickson International Limited, PO Box 260, Weybridge Surrey, KT13 0YH Please call: 0845 839 6069 Please quote reference: ****** You should contact Fredrickson International to organise payment of this account as a matter of urgency. If however, you believe that you have received this communication in error please contact Fredrickson International with all relevant information, again, as a matter of urgency. Please note that in order to protect your personal privacy we may need to verify your identity. We refer you to the enclosed fair processing notice on the reverse of this letter provided pursuant to the Data Protection Act 1998. Please read this notice carefully as your personal credit rating could be affected by our filings with the credit reference agencies. Yours Sincerely, (Unintelligible signature) Arrow Global Guernsey Limited (Another unintelligible signature) Cyclone Assist Management Limited ------------------------------------------------------------------------------ We've never heard of the Shop Direct Group and have no idea what this letter is talking about, or what it's trying to say. As far as we know, any debt we do have is not to this mentioned group, and is being paid via standing order, so I am a bit concerned about this. My husband is loath to contact them about this, even to CCA them, in case they start harassing us, and he certainly doesn't want to provide proof of his identity to just anyone! This is the first debt letter we've had in a long, long time as we've cleared most of them and have arrangements in place with the rest. Any help would be greatly appreciated.

I got a DRO in December last year so of course not been making payments to creditors. One of the creditors was Arrow global for a ccj. Today I received a letter from the local county court saying there has been a variation made on January 23 and I am ordered to make a payment of 1 quid a month which was the original agreement prior to the DRO and I did make the two payments I was supposed to prior to the DRO coming into effect. The court document says nothing about the DRO. Just that I am to pay 1 pound a month or else deal with bailiffs. Obviously I have to make some phone calls to the court and the official receiver but I was wondering if anyone had any advice so that I am forearmed! Arrow is aware of the DRO so if they have lied to the court and are attempting preferential treatment can I use this against them in any way? One would think that if the DRO was involved it would be mentioned in the court order would it not?

Hi, Yesterday I recieved a Claim Form for a credit card dating back to 1999, it is lodged with Northampton County Court, I tend to defend fully the case and have sent in my CPR 31.14 Request with Recorded Delivery today. I have not sent any money are they likely to request anything for this request? i.e. £10 It is for a credit card balance from on or about 29/9/1999 assigned to the claimant 20/12/11 for the sum of £8467.02 and now with charges they want £8757.02 What are my chances here? If they do not come back with original signed documents and stuff, can I defend that I know nothing about this? as it was many years ago, during a split with my missus in 2007 I had a lot of debt that has never really been sorted since then.

Hi I really need an experienced financial adviser ASAP. I need someone who knows a lender who will lend on properties with the receivers. I had a deal pretty much set up but the lender are now saying they will not lend unless the receivers release the properties back to the bank. The bank will not agree to this until the deal has been done. This has taken so long we now only have 5 weeks to complete. Please help. Ps I have never missed a payment & my credit score is fine.

Hi, I recently helped a friend dispute a CCJ from Arrow Global. I used a letter from this site and now cannot locate it! (should have thanked the person or started my own thread so I would have remembered!) If any one could help me find it would be appreciated. It was a letter template for someone requesting details (Credit agreement, Notice of assignment etc) after a ccj claim form was received. This was to enable them to put a defence in as they did not have all the details. I know its a long shot but I have been using the search facility for over an hour with no luck! Thanks

Hi Everyone I am currently in a dispute with arrow global regarding a debt, I have recently sent a cca request and received a response. In regards to the letter I have never had a overdraft for this amount £1500 at the absolute max. Could this be charges? surely not? Please can you read the letter and advise of what to do next. Dear Mr xxxxxxxx DEBT OWED TO Arrow Global Limited ASSIGNED BY Phoenix Recoveries Uk We thank you for your recent letter and acknowlege your request for documentation pursuant to the consumer credit act 1974. We do not accept that we are the crditor as envisaged by the above statute. This account arose under an overdraft facility. Even if this account was regulated under the consumer credit act 1974, part V of the act does not apply to this facility and there will accordingly be no executed agreement. In additon we confirm The total sum paid is £613.87 The total sum outstanding is £6421.54 and the amounts which will become payable comprise interest and costs,depending on what enforcement action is taken against you. The account is being managed by NCO Europe,please contact them to make arrangements to pay your account. Any advice would be greatly appreciated. Thank you

I was first chased for an unsubstantiated debt from orange (passed to arrow Global) approx 8+ years ago. I was chased by one company and then another on behalf of Arrow. Two years ago I wrote challenging the debt and asking for proof of it, proof to chase for it and a statement of account. Silence for sometime. In the last 12 months, two different companies have started chasing - one passing to the other. It is now with Fenton. I have never admitted to the debt but did correspond about it, requesting proof 2 years ago. Just checking my report and it looks like a default has been updated on 11th Nov 2013 from them leaving me with a 1 out of 5 credit score. What should I do? Many thanks!

Hello All, Letter received from Arrow stating that. We are writing to let you know that the management of your account has been transferred to Clarity Credit Management Solutions Limited. HOW WE WORK Arrow Global works with a network of specialist third parties who manage customer accounts on our behalf. We have now appointed Clarity to manage your account and have passed your account details and payment history to them. NEXT STEPS You should now direct all queries, correspondence and payments to Clarity quoting ********. Their contact details as follows. Clarity Credit Management Solutions Limited PO BOX 336, Northampton NW6 9WZ Tel No 08445611715 Text 07797 800850 E: Mail [email protected] If you believe you have received this letter in error, or that the outstanding balance is incorrect or not owed, please contact Clarity as soon as possible. Our aim is to help you clear your outstanding balance in a way that works for you and fits your current circumstances. If you are experiencing financial difficulties, we can help. Please contact Clarity as soon as possible to discuss your account and any questions you may have. Yours sincerely The Arrow Global Customer Services Team. This is an ancient account Stat Barred many many years ago. Rockwell dipped their sticky fingers in at the back end of 2012, I sent them the Stat Barred no acknowledge any debt to them or any other organisation the claimed to represent. Within 1 week they sent letter stating that. We can confirm that we are no longer dealing with this matter and our files have now been closed. Any future queries relating to this account should be directed to Arrow Global Limited. Yours Sincerely Collections Manager ROCKWELL DEBT COLLECTION AGENCY Then nothing until New Letter as above from Arrow Global. 1) Will I ignore totally as it is a phishing letter. 2) Send prove it letters 3) Send Stat Barred letter. All info/advice will as usual be gratefully received. "EXEMPLO DUCEMUS"

I have been approached by Rockwell for a debt that util 5/7/13 i was paying monthly by DD. Formerly this was HSBC and collected by B Carter before it went to Fredericksons, then Pheonix. At some Point Arrow took over but have no idea when. Anyway, the DD's stopped in July 13 and as I have SO much debt, i didn't realise this was a "live" debt and should have continued. Am i right in thinking that (despite being a 2007 debt), this wont be statute barred as my last action was only 5 months ago and that really, i should contact Rockwell or Arrow to renegotiate affordable payments?

Hi guys for once its not me their after lol my partner just had a phone cal from Rockwell/tessera and she confirmed her name and address. They stated that the address was different they had for her, so now they have updated it i got my partner to give me the phone right away and i spoke to them. turns out she owes little woods £1288.50 from 27th April 2007. i then questioned him over it as obviously i know its been 6 years. Turns out its not Stat barred yet because she made a payment on 7th Nov 2007 i spoke a while and asked how he got my partners details. he first said from little woods, so i then questioned the legality of that as she had not given permission for her details to be given. He then said arrow global bought the debt. then sort of back tracked. He did mention its close to being Stat barred. i explained that from knowledge of this website that non of the aboves are bailiffs and have any rights so if we did agree any form of payment plan they would have to accept what im offering, especially as i have one child and a child on the way. and they come first, and that my partner earns hardly any money and in fact it would be myself making payments. However i would be seeking advice on these forums first, and welcomed him to view my post when it was here. he stated that arrow could instruct bailiffs to attend, which i then told him i would be happy for them to as nothing in this house is actually my partners everything is my own and if she had bought anything for the house it has been with my wages so therefore belongs to me. he also stated that a CCJ may be applied to my partners credit file. I then questioned why now and not sooner, and he basically said its because its close to being barred. He did advise a default was placed on her CRA 29 May 2008 from little woods I did ask after seeking advice here due to how close it is to being statue barred, would there be any reduction to the debt as some money will be better than none, best he said was they would knock 25% off if paid in full now. so i said no thanks. so what you suggest guys, make a small monthly token payment to the debt or just let it unwind until november then it will become barred. i also told them to get in touch by writing or by email and not phone cheers guys.

I received a letter from Arrow global this morning Asking for £369.78. Further down the page it says: Original creditor Shop Direct Finance company Ltd Affinity Partner Kays Lifestyle. I have never heard of these companies and I have never had a catalogue or bought anything from one. I have no idea what this is about. It does say that if I think I have been sent the letter in error then to get in touch with Rossendales Collect Ltd. I am also worried that someone might have got goods in my name. What should I do?

hi I am pretty new to this and need some advice, I have received a court letter from Northampton court, I replied to the court online to defend claim in full, I am being taken to court by restons solictors on behalf of arrow global, they claim I own them £742, over last weeks I have sent restons requests for information using your cpr request letters , so far they have given me nothing , in every letter I have denied any knowledge of this alleged debt, as I have not a clue what there talking about so far restons have given me nothing , the last letter they have just sent me under a cpr 18 request, states by restons they fail to see how the information I requested under a cpr18 is reasonably necessary or proportionate, and how provision of the documents I requested will assist you in preparing your case, they then went onto say on a voluntary basis we can confirm this debt is owed to shop direct, (littlewoods extra catalogue) opened in oct 2004 and last payment shows on account on march 2008, i am some what mad with restons as how can i defend myself when 1 i have no clue or information for this alleged debt, and they refuse to provide any documents to prove this, my credit file contains no information, so i am pretty much working blind and i am sorry i have until the 25th nov to submit my defence, and i lost as what to place as a defence, and prior to the court paper s turning up i had received no letters , from either global or restons i would be grateful for any assistance

Hi, I think this it the right place to post this? So a week or so ago I receive a letter from Restons Solicitors acting on behalf of Arrow Global Limited, regarding a debt owed to HFC that was taken out in 2001. This debt in my mind is statute barred no payments have been made towards it and it was never acknowledged for a 6 year period, and it no longer appears on my credit record. This evening I get a phone call from a someone at Restons solicitors asking for payment, I told here the debt is statute barred. She said a payment was made in 2010 for £273. I told her this wasn't me and wasn't likely to be someone else. I told her I wasn't making any payment, she told me she would get further instruction from her client and the call ended there. Now I've had time to think about this supposed payment, I think I know where this figure has come from. I few years ago when checking my credit file I saw I had a CCJ on there which I think was for £273. (I can't be sure without the person who paid it for me looking at their statements). It sounds like it could have been in 2010 as well. Now when I rang up to pay this off at the time, the DRA (Not Arrow) who dealt with it had 2 debts of mine. The one that was a CCJ and the other which I now think was the HFC loan. I only paid the CCJ off, and ignored the other, as that one was not on credit file. So what I think Restons are trying to do here is claim that me paying off this unrelated debt, although it is with the same DRA is counting towards payment of the HFC loan that they are now chasing me for. Where do I stand here exactly? So I can be ready if they contact me again. Thanks.

Hi, hoping for a little help: Claim Issue Date: 21/6/13 Ack of Service sent Letter to blake lapthorn sent 1/7/13 Telephoned them 12/7/12 and e-mailed 13/7/13 asking for response by 12pm Monday 15/7 Received e-mail today (16/7/12)confirming extension to file defence - date agreed 21/8/13 Sent e-mail to CCBC today, with e-mail attached advising of extension I have spoken to Northampton today and they advised (prior to me receiving the extension) I should enter a defence detailing the facts and none supply of docs. Blake Lapthorn confirmed in their e-mail that they do not have the documents;agreement, default notice, assignment and have requested them. However they cannot provide a firm date when they will receive as their client (Arrow Global) will need to obtain from the original creditor (Egg). My questions are: Do I wait and see what happens - if no documents, then enter a defence stating this by 21/8/13 enter a defence now and wait for response send N244 with order for disclosure and if non compliance apply to be struck out Hope someone can point me in the right direction. Thanks