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    • Hello, on 9th of July 2018 I was issued a CCJ for 326£ for a non payment into my Natwest account - 6 month earlier I moved abroad and despite my better knowledge my direct debit with the phone company wasn't properly closed and the Natwest account went into arrears for that amount. As soon as I found out of that matter on 20th October 2018 I settled the amount in full with Moorcroft (the debt recovery agency instructed by Natwest to recover the amount).   When I returned to the UK I was shocked that my credit score was completely depleted - despited an otherwise good record - and that for the following 5 years I won't pretty much be able to access credit and other common financial products regardless of the fact the debt has been paid in full (and despite a stable high salary etc.).   When I contacted Moorcroft in January this year they said they can't do anything about it and the record will stay as is. They said the best they could do was to send me a letter (attached) that I can use as a confirmation that the CCJ was now settled. I was pretty sad and frustrated and shocked that a 300£ debt could put me into such distress (I literally cannot even get a monthly mobile phone plan) and despite having settled it I would carry such consequences for the next 5 years... so I archived the letter and tried to forget about it.   I recently checked my credit report and it states that the CCJ status is still active.   I would like to ask:  - is it really not possible to adjust the CCJ status ?  - are there any actions I can take to mitigate my situation ? - shouldn't at least Moorcroft have sent a more comprehensive letter stating that the CCJ was settled (instead of a generic 'payment received' with no indication of what and why) ?     Note: when I tried to contact Natwest in October 2018 they bounced mee across several departments but ultimately no-one could/would want to help as the account was permanently closed and passed onto debt recovery and they couldn't find much information about my records (apart from saying it's closed and Im no longer a customer of the bank and won't ever be able to be one again).   Thanks, V
    • I hope we can keep this thread for a discussion of SDs. If it descends into a slanging match then there probably isn't much point in having it.   HB
    • phew, just got an email from scmreferrals@justice.gov.uk.    I was worried that because the N180 was 5 days late, they would reject it.    There is still an new default on my credit file for the original amount + court costs. Surely Lowell shouldn't have submitted this yet?  
    • The solicitors have acknowledged my CPR request but have yet to provide anything, no response to my CCA request yet.   I would like to get a defence in before the end of this week, can anyone help me put together a defence?   Thanks
    • There were express terms of repayment of the capital plus interest over 60 monthly instalments.  However, you are saying the Default has no effect, so that when charged-off the interest did not have to be rescheduled?   P.S. It may be irrelevant, I don't know, but I can’t see an acceleration clause in the CCA allowing them  to ‘call in’ the entire amount of interest on the 5 year loan?  Copy of the Ts & Cs from my original CCA attached. Clause 2 (c) refers to interest being charged until settlement, but I’m not sure that is an acceleration clause.   If you have any thoughts on the above they would be greatly appreciated. 20191120102845876.pdf
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Fredrickson Intl Ltd & Arrow Global

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I got a letter from these guys and didn't have any knowledge of the debts. I asked a friend about these and he told me to send a letter to them. So i decided to send them a letter as well as email requesting information about the debt and with in 2 days i got an email back.

The letter i send was as follows


Dear Sir/Madam,



You have contacted me regarding the account with the above reference number, which you claim is owed by myself.


I would point out that I have no knowledge of any such debt being owed to Arrow Global Guernsey Limited.


I am familiar with the CPUTR 2008 and the Office of Fair Trading’s Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.


Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.


I also draw your attention to your affiliate membership of the Credit Services Association (reg 183) which requires yourselves to be compliant with its codes of practice,which I am also fully conversant with.

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.


I await your written confirmation that this matter is now closed,together with a copy of your complaints procedure. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading via Consumer Direct of your actions.


I look forward to your reply.


Yours faithfully

The response i got back Arrow Global

Dear Sir,

Thank you for your email, of which the content has been noted.

Unfortunately due to our company Information Security Policy I am unable to discuss an account via this method.

However, I can confirm that this matter is now closed and will issue written confirmation today as well as ensuring our system is updated correctly.

Please accept my sincere apologies for any inconvenience our actions may have caused and should you wish to discuss the matter further please feel free to contact me on 0800 1300 165 (opening times 9.00am – 5.00pm Monday to Friday).

If you wish to make a formal complaint we ask that you submit this in writing to the address below

Kind regards,

Legal & Compliance



Tel: 0800 1300 165

Fax: 0845 459 4817


12 Booth Street


M2 4AW

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Send it to F's and Bryan Carter. Please correct my spelling error - continued in the first line!





Before i send the second letter which you advised to do so, I got a reply from FREDICTION saying the applogies and closed the case.I did not receive any other letter from them after that. Thank you so much for your help!!!!

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A damp summer greetings to all!

My wife has been chased by Fredrickson/Bryan Carter since the 3rd of March,2011, re a debt owed to Arrow Global Limited. Back in November 2009, we wrote to our creditor (Halifax Card Services) and advised them that because of certain reasons the collection of the balance of the account was unenforcable. We heard nothing from Halifax again but instead, Fredrickson International raised its ugly head and we are trying to find out if indeed Arrow has purchased the debt, and if so, why haven't them (Arrow) contacted us and asked for the money. Can anyone help ?

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