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No I appreciate it. I never received a Default Notice not that I'm aware of. Which lead me down the path of obtaining ones credit reports. I approached the main ones like Equifax, Experian and TransUnion.. No record of vanquis or Arrow/NCO. And I've recently obtained up to date ones too and there is no trace. Is it not possible the that OC sold the debt and just passed the file onto NCO/Arrow for them to add a default later? The reason I ask is because NCO have recently just said, they've added the default to my file. I don't see how this is possible if it didn't exist in the first place. It is my understanding that if a debt is sold to a DCA, then a default should be registered prior to that debt being sold and as you stated, by the OC (original creditor). Speaking of sold.. Arrow/NCO lay claim that the debt was never bought or sold to them. However, this is not true. I spoke to vanquis on the phone and they said the debt was sold to them. Now, if you take a look at the "freeman twaddle" in my bundle PDF, page 8 is the response from NCO and take a look in the middle about the deed of novation, they state that the DOV is not relevant in this case, because the debt wasn't purchased. However, it was! -
I will try to deal with it through Amazon for now. I didn't even think at the time to get a prepaid label, only afterwards I realised I could have done this, that's the reason for considering the cost. -
By Badtimes123 · Posted
Yes I read the whole thread, which is why I said this should be good for you! I don't know everything, just trying to help and I'm sure others will correct any glaring mistakes in my comments -
Zoomed inCCA signature at bottom.pdf
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By BankFodder · Posted
It's up to you which company you want to tackle . I don't understand why you think Amazon has no liability . You took delivery on the 1st of may and you returned it on the 11th of may. So that means that you took advantage of the 14-day cooling off period Under the distance selling rules . In any event, it was defective and you returned it within the first 30 days And although you didn't use their prepaid system, which was not a good idea, you certainly followed the instructions on their recommendations and you used their label . The best thing for the moment is to start making parallel claims against each company but try harder with Amazon and make it clear to them that it is their liability and it is a matter for them to deal with directly with EVRi because it was their suggestion. You should understand that when you return items you should do everything you can to make sure that the company to which you are returning the item is responsible and that means that you use all of their systems. You say that you used EVRi because they were cheaper, but if you used the prepaid label then it wouldn't have cost you anything at all so I don't really understand the logic here.
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