Showing results for tags 'global'.
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I originally had a debt passed form MBNA to Arrow Global approx 4 years ago after falling into difficulty. I have been making token payments since due to income. Arrow Global recently passed over managment to Restons Solicitors. They agreed for payments to stay the same but I need to pay them direct instead of Arrow Global. Couple of questions really 1) should I make a Credit agreement request to Restons 2) Do you think they will seek a ccj the amont outstanding is £6k
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Dear All I sent Fentons a letter with a postal order requesting a true copy of my CCA I received a letter stating that the account has been put on hold until they produce it. I received a letter 6weeks later stating that I had previously been issued with this CCA and they do not have to comply with my original letter requesting a CCA. I have never requested a CCA from Arrow Global or Fentons so this is not true, I then hit them with a letter stating that it was illegal to chase a debt with the relevant CCA and that I would forward this information onto the Financial Obudsman they then sent me a letter back stating that they where no long pursuing the debt and handed it back to Global who have now passed it onto a solicitor call restins or someone like that. In fact they rang me today which went through to my answer phone. Do I need to tell this bunch of clown that the debt is in dispute as my original request for a CCA was not met ?
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I have received an attachment of earnings letter this morning from Global Arrow for an old debt however I attended court for questioning in regards to this case on the 9th October and provided details of all my income and outgoings including copies of bank statements etc. I proved to the courts that my expenditure was more than my income and have received this letter this morning. Can anyone offer advice on what to do next as I do not want my employers to find out as this would be detrimental to my position
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Does anyone have an email address for Transcom Worldwide, preferably yo a person who has some influence and who can be held responsible if the cretins continue to chase an dead, statute barred account? Many thanks
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Had a loan with Sainsburys Bank taken out in 2009. In April last year my then partner became unemployed i contacted Sainsburys to inform them that i wouldn't be able to fulfill by contractual payments. I arranged a payment plan to pay them 3.85 per month, this was paid by standing order. I then changed this amount to 5 each month as they where still charging interest despite me asking them to stop so the amount i owed was increasing each month. Sometime between May and September (cant be sure of dates as due to the death of my dad, unemployment and a cheating partner that part of the year is a kinda mess) i must have been contacted by Blair & Oliver scott, i dont recall them wanting to change any arrangements so continued with my SO. I contacted them in September to inquire about a settlement figure which was pretty much what i still owed to passed up the offer. Didn't hear from them again. May this year i received a letter from Arrow Global stating they had taken over the loan from Sainsburys and that until somebody from Wescot contacted me with payee details to continue to make payments in my usual way. my SO with Sainsburys is still going out each month. Not heard anything from them since. Checked my credit file with Equifax and there is a 'loan from Arrow Global (insert sainsburys account number) with a default in May 2012, no information before or after this day. Im rather confused on how a company that didnt aquire this account till May 2013 can issue a default in May 2012? There is no recorded information via Equifax in regards to my account with Sainsburys but i know that is where the information should be as have had issues with Sainsburys before and have had a note added onto my Equifax report which is still there but no account details. Would Sainsburys be able to move from Equifax to Experian etc. Also when i phoned Wescot they said i didnt owe anything i really dont be to be poking to much i just want to know about the default and if its correct or can i have it removed? Sorry for long post and thanks in advance for any advice given
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Hi there, Hope someone helps... I had 2 credit card (Virgin & MBNA) accounts since 2005. I was regularly making the payments until June 2011. I missed some payments since then & later the accounts were on defaulted, because i lost by job. i have explained the situation to my lenders but they did not want to accept any token payments and sold my accounts to Bryan & Carter in Jan 2012. B & C started chasing me for full payments. Explained them the situation and told them that im self employed and can do only token payments for now as i have to take care of my family as well, but they dont agree either and letters started coming in... (I haven't seen anybody so RUDE !!) After few months in July 2012 i received 2 CCJ's from Arrow and Global. As per court order I have agreed to pay £50 on each of the accounts and it was direct debit. After 12 payments until July 2013 they have cancelled the direct debits by themselves and passed the accounts to Wescot. This happened when i realised that i had payment protection cover on both the accounts and filed a case with MBNA in June 2013 and later it went to FOS in Aug 2013. Since last month i started getting calls & letters from Wescot about the full payments. Spoke to the lady and told her what has happened. She said that she is not aware of any payments made to Arrow Global and she is calling on behalf of Arrow Global itself as Wescot is acting on behalf of Arrow Global !! i spoke to someone in Arrow Global, he said that my file is with Wescot and i have to speak to them only and they can't help and futher. Now my point is.. 1. why did Arrow Global cancel the direct debits and passed my file to Wescot. 2. Will i be in a trouble again as the CCJ's were issued and that i was paying them and now that they (Arrow Global) have cancelled the DD and transfered my file to Wescot who are not receiving any payments at the moment. 3. Should i continue to make payments to wescot ? 4. Is there any other way to go for legal on these DCA's as they are harassing me with calls and letters and with all those transfers between companies.... Please advice. Thanks -
Hi I have received a county court claim from Arrow Global, this is a debt from MBNA/Virgin, I have sent acknowledgment of service, giving me extra time to file my defence, stating I dispute all the claim, its for 4100.00 plus costs of 80.00, I have sent letters months ago requesting refund of charges which MBNA are refusing, I need help please going forward, should i send a CPR request to Blake Lapthorne, a nd send another letter to MBNA/Virgin asking for refund of charges. any help gratefully received. -
Having lurked here for some time and I am currently discussing (by letter) an alleged debt with Arrow & Fredrickson I am interested in precisely what they must supply to comply with a CCA request. Do they have to supply statements going back to the beginning of the credit agreement? If not how far back - is the last issued statement sufficient. Must there be some documentary evidence of the last payment made? Do they have to prove who made that payment. ( I have read that some unscrupulous DCAs make payments to keep alive debts that would otherwise be Statute Barred). If the debt has been 'bought' do they have to provide anything other than a statement of fact. I believe the actual transfer deed showing the price paid is confidential but must they supply a copy of it (wuth the appropriate parts redacted) I hope this is not a too detailed request for a first post.
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Hi everyone I wonder if you could help me? My wife has just recently received a letter from drydensfairfax chasing a debt on behalf of arrow global. They are also calling 2/3 times per day but we have not answered the phone to them. The thing is the debt is from the early 2000's and my wife has not made a payment on the debt for over 7 years so do we just ignore then and hope they move on or should we send them back a statute barred letter? I am a little worried about sending a letter in in case they try to somehow try to make out that a payment has been made during the last 6 years and we know that it is definately not the case but on the other hand we are unsure if they will stop with the harassment if we dont do anything.
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Hi there Hoping for some help advice. I have been living overseas for the last 2 years. A letter came to my parents house this week, from Arrow Global saying that Clarity Credit Management had taken over a debt for an overdraft with Royal Bank of Scotland. Firstly, I have never had an account with RBS let alone an over draft. I did have a NatWest account as a student that may have had an overdraft. But that was in 1999. The letter says the date of the original agreement was in 29/09/2004. At this time I was living in Dublin so definitely did not take out an account with RBS. I have mailed this Credit Management Crowd and have asked them to clarify what this is for as I have never had an account with the bank. Is there a possibility that this could be the NatWest account? If so why would it state a date of 2004? I have never had a letter or contact from these people before, and obviously I don't even live on that continent any more and I don't plan to any time soon, but I obviously don't want these letters going to my parents home. I s this statute barred? Should I just ignore them?:sad: -
and 28% owned by RBS !!
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Hi The assortment of letters are still coming, most of which are worthless, however one concerns me, any advice please? Its from Drydensfairfax lot again on behalf of Arrow Global which was originally an Egg loan The letter starts of with - we have tried to contact you etc. It then goes on to say unless payment is made by 9 Sept we hold instructions to issue legal proceedings against you to recover the full balance. If payment is not made, our intention is to obtain a CCJ and if necessary we will apply for the court to enforce the judgement by either warrant of execution or attachment of earnings. Do you reckon this is hot air or they're getting serious? Thanks in advance -
received a letter a while back from Arrow Global Limited about a debt I knew nothing about but have a sneaking suspicion is a catalogue ran up in my name by ex, I fired off the prove it letter to them asking for all original documentation to do with debt and never heard a thing back, stupidly assuming they'd written it off, today a letter from Transcom comes through acting for clients Arrow Global Limited, do I fire off the prove it letter again or do I need to divulge somehow that I've been in contact with Arrow Global to prove this debt and they never did! I know DCA's just pass debts on but surely when a debt is disputed on who's it is they are under obligation to provide information and to not just pass the buck, ok ok I know....that's a stupid thought! The old PC crashed and burned, stupidly I didn't print off a written copy of the letter but I know it was one of the bog standard prove it letters from here! I'm not phoning them, they are however threatening Scotcall will door collect if I don't comply help -
Hi, would love some advice please I've been paying a debt for years to Bryan Carter, it was over £1000 but had long since disappeared from my credit file and I've been slowly improving my credit score by paying my bills etc on time now that ive been in stable employment to the last 3 or 4 years..... ....my question is......A few months back I called Carters to see what the balance was and was told the Arrow Global have taken the debt back and have assigned it to Wescott. Carters told me not to pay them anyone and wait for a letter from Wescott to sort out paying the remainder to them. A letter came today from Wescott saying the balance was £118.29. As it was such a small amount ive paid the debt through the Wescott website to get it paid off and off my back. As this debt has long since been removed from my credit file will it now reappear now ive paid in full? Obviously I should of got some advice first but i just wanted to be finished with debt collectors. Now im worried that ive ruined my credit file as the debt might reappear. The original default date was 2004. Thanks in advance
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Hi, first time poster I received a letter in June 2013 from these people concerning an old debt from 1998 which I ignored. I have been making payments every month for years to another DCA with no problems on this debt, on the 24th July 2013 I received another letter saying I had defaulted on my agreement, as I was unaware that I owed this company anything I again ignored this. I then became worried that these people could demand this debt £1858.00 for their client FV1. I had a look at this website and sent them a Template N letter on the 1st August 2013 by special delivery. On the 5th August 2013 I received a letter for immediate settlement On the 9th August they sent me a screen shot and a list of payments that I had made since 2002 these payments on the sheet ended in 2011 but I have been paying £10.00 a month right up until I received the letter from Global. On the 16th August 2013 they asked me to call them I did not. On the 23rd August 2013 they wrote and said they would accept £1000 as full and final settlement as long as I paid by 6th September 2013 On the 12th September I received a letter stating they were going to send in the bailiffs etc. As of now they have still not supplied me with any copies of the original documents for the loan, so where do I go from here ?
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Back in 2005 i aquired a debt to Littlewoods catalogue but due to having to move house i had no communication with them till 2006 when i finally found a home.i informed littlewoods of my new address and had a letter from Pheonix saying i was to make a payment to them via postal order. This i done and paid £10 to £20 and asked them to send me bank paying slips so i could continue with the payments this was August 2006. However i did not recieve any more contact from them. In October 26th i had a letter from Arrow Global regarding this debt and they required certain info.This i done explaining that this letter is the first time i have had contact regarding this debt for more than 6 years.and told them a payment was sent as above to Pheonix. I received a letter back saying thank you for the information and it was being forward to Pheonix and was being investigated, they also wanted some info on named cottage which they wanted to know of when i moved from before i aquired this debt. There was a delay in sending this info back to them but i never stayed at a cottage with that name however i was going to write to them asking them to be more specific with a address. Before i could send this info back i now have had a letter from Rossendales stating that the debt is now passed to them.they are instructed that i have ignored previous requests for payment and they intend to recover the outstanding debt immediately. In red letters i have to contact them with paying the debt full or contact them with my proposals or recovery action will commence. I have been given a phone number to ring but i would rather write a letter. Not sure what to do so can anybody advice please? Its over 6 years now since first contact on this matter till 26th October.with Arrow Global and never asked for payment just info.As i explained in the letter to Arrow Global that if Pheonix replied to my letter back in 2006 this would have been delt with straight away.
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Hi guys Found this here
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My partner has an ongoing problem with these. A hearing is due on Thursday with defence etc already submitted. Just wanted some advice. The copy CCA that has been sent comes across as fishy to me. It contains his signature and on the copy sent to the court they have blacked out certain details like mothers maiden name and bank details. When looking at what they are claiming is the back of the CCA should this be a genuine copy the T&C's are upside down if you line up the blacked out parts with the front. There are a few marks which looking at the front would be on the top ie an A in a circle but funnily all the rest of the marks that are showing on the front in darker print do not come through to the back. I cannot see any way this would be the front and back of the same document unfortunately the scanner on our printer is broken at the moment.
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Recently i started to receive letters from a solicitors called drydenfairfax who are ignoring all my correspondence in response to theirs i am being instructed repeatedly that i must telephone them. This i do not want to do i have been advised to deal with the issue only by letter as this is the safest way to deal with this company:!:. I have been sending all my letters via recorded delivery and am retaining copies.... any one else had similar problems!??.
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Hi, I'm new here so hope I am posting this in the right place. Sometime ago I received a letter from Arrow Global stating that they had purchased a debt from Orange Communications for app. £60. Due to the passage of time (Feb 08) I had no record of this. I wrote back to them requesting more details of the debt and they were able to provide me with a mobile telephone number that I did not recognise. They sent several more demands for payment and in the end I explained to them that I was not happy with the way they had contacted me out of the blue and had not supplied sufficient evidence that the debt was actually mine and therefore I am disputing the case. I never heard from them again. I assumed they had given up, but then when I applied for credit recently and was declined I checked my credit file and realised that they had recorded a default for £60 which will remain on my file until Feb 13. I have written to them to complain about this. They hav not responded but instead have handed the complaint to Rossendales who are now chasing me for the £60. The 2 things that have annoyed me are how can a DCA leave a default and then sell the debt onto another DCA, it does not seem fair. I have also written to the OFT and the Financial Ombudsman who have basically said they can log my complaint but cant help with specific issues. Do I have any rights? -
i had an account with Littlewoods / NDR in December for years i had been paying online and without notice they wouldnt let me into my account yo make payments it was passed onto a company called Arrow Global who then gave it to RMA Resolve to collect payments ...i have been making payment on time 28th every month via telephone banking ... on Wednesday i recieved a letter saying they had not recieved payment's for May and June i know they had recieved payment for May as i had recieved 6 monthly statement and it was included .. and i know i definately paid June .. i phoned them up and they said both payments HAD been receieved although claiming they were late. My bank operates and immediate payment with 2 hr service so not late from my side. Anyway when i was on phone they said it had flashed up on computer that i was to send an up to date financial statement ...i got letter this morning saying it si required by law within 7 days ...i have not had this with any of my other creditors and as i told them on phone my circumstances / income were still the same and they were only getting what was already agreed via littlewoods / CAB at the time Do i have to send my financial details and expenditure on to them ? thanks in advance
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OK, so this morning I got served with a court summons. Well, I say me, but the name on the court order is "close". For a debt of nearly £2k taken out at this address on 3rd April 2008. 1) I didn't move in here until Feb 2009 2) That isn't my name on the "official document" Where do I stand? My name is James but everyone knows me as Jim, which is the name on the court summons. In fact, I was homeless in April 2008. I genuinely have no idea what this debt is for.
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Hi there, I've done a bit of research here but would like to tell my story and just see if I've got things straight. In July 2005, when I was at University, I took out a student credit card from Natwest and ran up £300 on it (the limit). I never made a payment on it at all (I was a student with no money) and moved from the property the card was registered to in Jan 2006, and forgot about it. Up until that point Natwest sent me letters asking for money etc. I have moved 3 times since then, and over the years have received various letters about this debt, mainly from Arrow Global. I have never made contact with anyone about or regarding this debt (as far as I know, I could have answered the phone to them maybe?). The only contact I know that has been made was my old landlord sent them a letter saying I didn't live there anymore and she didn't know where I was now. Fast forward to 2 weeks ago. I got married 4 weeks ago, so I guess that's how Rossendales have my current address. The debt is now £750 apparently, and their client is Arrow Global LTD. They are threatening to send a baliff round if I do not pay. There is no record of the credit card anywhere regarding my Natwest account, Natwest have never ever mentioned it to me since (even offering me credit cards...) and there is NO record of it on my credit history at all. So, is this debt statute barred? If not, what is my next step? Thanks in advance. The
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Hi all, Hoping someone can help. I had a debt from 2003 for a loan. My last payment was January 2006. I never received anything from them at all (Black Horse original Debt) until a few weeks ago. I received a claimform from Northampton for this. I put a defence in stating that I believe the debt to be statutory barred. ELS Cole sent me a letter on Friday with copies of so called letters they have sent me over the last 6 years (three in total) and also saying to the court that they want another enforcement to be taken out on me and the fact I have replied to the court and put a defence in, is also me admitting the debt now.... I did put the usual defence in saying "I do not acknowledge this debt" Were do I go from here? Do i wait for another Claimform to be issued? Will I get any advance warning? I want to fight this dont want A CCJ entered at this stage? Any advice would be gratefully received. Thanks
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Hi Guys, Hope someone can help me. I received a letter 2 weeks ago from Blake Lapthorn regarding a claim that had been entered against me advising that it was still outstanding and they would like to help me set up a payment plan etc etc. Now I knew of the debt but hadn't been able to pay anything for over a year and up to this point hadn't received any letter up until now. The debt relates to a Virgin Money agreement taken out in 2007 with the last payment being made in Nov 2011. I stuck my details into the Trust registry at a previous address and lo and behold they had been granted a CCJ in Feb this year even though I hadn't lived there since Dec 2011 and I am on the electoral roll at my new address (They must know where I live as the solicitor sent me this letter to my new address) Now I guess there isn't a lot I can do now but I just wondered where I should go with this. Obviously I know I owe some money but how do I find out what the balance is made up of and what they know about me? I have no paperwork and don't know if there was any PPI etc. The amount outstanding is approx £500 more than the limit of the card. I sent the solictor a letter advising that their clients name, balance etc meant nothing and to provide me with more details, heres the reponse: Dear Mr *** We are able to inform you that Arrow Global Limited are a debt purchase company who have in this case, purchased a debt from MBNA. We can confirm that the debt of £3,935.40 is in relation to a Virgin Money credit card Agreement numbered ************ and dated 30th August 2007. The debt was assigned to our client on 20th December 2011 and notice of the assignment would have been sent to you. The last payment was paid to the account on 25th November 2011 in the sum of £7.00. Please now provide your proposals for repaying the debt owed to our client. Any advice on how to proceed would be greatly appreciated. Thanks B
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