Mobile phone debt Arrow Global/Orange

[FORMISTER]

Hi guys, was just wondering what the difference is in handling a mobile phone debt (from 2006) if any, to a normal credit agreement for cards or loans.

 

I am used to dealing with sharks from HFO , no problem, but have just noticed a change from Orange to Arrow Global on a mobile debt on my credit file and expect them to be writing soon. Just want to get the heads up about anything different from the normal .

 

Thanks

[Bazooka Boo]

The difference being is that Moby's do not come under the usual CCA request, mainly because it isn't a credit agreement, it is a service agreement.

Although they do still like to mark people's CREDIT ref files adversely?? Something I might look into and pose the question as to why this is so?

So that said, the only real way to get to the bottom of mobile contracts, is to send out a SAR to the OC (orange?) this will then give you the entire history if the account between you and them and show any charges you can claim back.

[FORMISTER]

Thanks BB , thought I had read something along those lines, but didn't want to trawl throught the forums again

[Bazooka Boo]

No problem, when they crawl out of the woodwork let us know and we can squish them...

[FORMISTER]

So now finally got a letter from Moorcroft, as follows:

 

Moorcroft Debt Recovery Limited

Pre-court division

 

RE: Arrow Global

 

To prevent possible litigation please send payment before 22/12/10 or telephone imediately

 

If you do not contact us following receipt of this letter we may have no alternative other than to assume that you are avoiding repayment of this debt. In this situation we may recommend to our client that solicitors issue legal action against you which may follow. Please note if legal action is necessary your debt may increase as follows:

 

Current balance *****

Solicitors costs for issue of claim form £70

Court fees for issue of claim form £55

Solicitors for entering judgment (by default) £25

 

Contact us now

 

 

Any advice? Haven't sent a SAR off yet. Arrow Global say the SAR should be sent to them on their letter, but should I send it to Orange?

[harrassed senior]

As I mentioned on a similar thread, the Mobile companies have been clearing out their drawers and there seems to be a flood of these debts hitting the DCAs recently, had one very old one myself recently, I think Arrow Global have bought them all and are now farming them out!

[FORMISTER]

Yes, been expecting a letter for a while, noticed they had taken over the default on my credit file. Think I will send Orange a SAR and ignore Moorcroft

[harrassed senior]

Make sure they do not alter the default date in any way. Don't forget that Orange as such no longer exist and their paperwork has been spread far and wide. There is some discussion on here about the legality of some actions being taken by the 'new' company.

[FORMISTER]

Do you have a link or thread name to those discussions?

[buzby]

Arrow Global is Orange's Recovery Firm as I recall they were a wholly-owned outfit but I'm not sure if this has changed - so iit might be a faster response from Orange as this will show a lower amount.

Edited December 19, 2010 by buzby

[FORMISTER]

Does anyone know if moorcroft should be collecting on behalf of AG without it being assigned to them?

[buzby]

You can outsource such activities to third parties without any formal assignment beinbg required. (By that I mean it would have to be explicitly prohibited before such activities are deemed incompetent).

[harrassed senior]

Do you have a link or thread name to those discussions?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?287508-Arrow-Global-Fredricksons-Orange

[MARTIN3030]

Just to be clear Arrow Global has no connections with Orange-they are a debt buying firm who buy distressed accounts not only from Orange but a number of companies.

[MARTIN3030]

Does anyone know if moorcroft should be collecting on behalf of AG without it being assigned to them?

 

Its not unusual for one Debt company to use another for collection-it happens quite frequently.

But there is an obligation that you are informed and under OFT debt collection guidelines there should not be multiple DCAs collecting or attempting to collect on the same account/debt.

This has already been outlined on the other thread you posted on in telecoms forum.

[buzby]

Ta for the clarification. Most certainly Orange (and probably the others) operate(d) an arms-length debt-collection firm to provide a third-party contact to push the debtor into settling. However from complaints in the forums of late, it appears most are moving away from this approach, preverring to cut the customer loose, terminate the contract, and make what they can quickly from the selling on of the liability.

[FORMISTER]

So if Arrow Global are using a DCA without assigning it to them, can the DCA bring legal action? Or would any legal action have to be in Arrow Globals name?

[MARTIN3030]

Its usual and common for A DCA to use a Solicitor for litigating,which is done on behalf of AG.

AG are known to use Bryan Carter,and also have Solicitor listed at operating from an An address in Cumbria which is the same address as their Guernsey operation has listed on their CC licence.

[MARTIN3030]

Ta for the clarification. Most certainly Orange (and probably the others) operate(d) an arms-length debt-collection firm to provide a third-party contact to push the debtor into settling. However from complaints in the forums of late, it appears most are moving away from this approach, preverring to cut the customer loose, terminate the contract, and make what they can quickly from the selling on of the liability.

 

Yes this would seem to be happening more and more.Maybe there are tax advantages in disposing sooner rather than later.

[MARTIN3030]

theres one here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?254695-Bryan-Carter-Proof-of-debt

[FORMISTER]

Thanks mate, I know where i am when dealing with HFO (usually in the winners enclosure), but in new territory with mobile phone debt

[FORMISTER]

Interesting as well that Arrow tell me that I should send a SAR to them and not to orange??

[MARTIN3030]

Yes.

I suppose it depends on what you are after seeing.

Orange will still be liable to comply should you send a SAR to them.

On the other hand AG would also be responsible for providing copies of anything they have,but will not really have much outside the basic account info.

[Tingy]

Interesting they use the word may and if 5 times in 3 lines!

 

I'd SAR Orange if you want decent information.

[FORMISTER]

Yes, sending a SAR today to Orange and a prove it letter to Moorcroft (only to annoy them as they will have to respond via AG)