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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
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    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Arrow have taken over Egg Loan


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It's pathetic how these account get passed

around I wonder how many go full circle

and end up where they started.:madgrin:

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I've been working on a theory that DCAs can be kicked off the market place by debtors paying the OCs direct, whether they want to use a DCA or not. Egg wanted to use CapQuest and refused me details of their account number. On one of these forums I got that info and just started paying them direct regardless and ignored CapQuest. I told Freds to pish off and carried on paying Egg direct when the bank instructed them to come after me and now Egg have sold the account to Arrow I am determined to pay Arrow and not Westcot. So far, so good.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Brig, you there mate?

 

I've just had an equifax alert telling me my long-term defaulted Egg account has been marked "settled." As the sum of £5K ish was sold to Arrow Global, presumably this just means that as far as Egg are concerned the debt is "settled" hence the amendment to my CRF?

 

Does this mean that Arrow can file a brand new Default on my CRFs for the debt they purchased from Egg? ie its a diferent account, new owner (same debt of course) but allowing them to file a fresh 6 year Default?

 

If this happens, what should I do about it? The ICO are as useless as a wet blanket.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Also, of course, the AMOUNT they claim is settled is in dispute as they (Egg) still owe me £1K+ in PPI and interest!

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Hi DS

There can only ever be one default, the

next alert will be Arrow up dating the

file with their name.

The next lot maybe Fredrickson, followed

by Brian Carter.

 

Keep on the PPI case as a separate matter.

 

 

Brig.

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Ok thanks, but then why have they marked it as "settled"?

 

It did also occur to me Brig that what they are trying to do is get the 6 year clock ticking from the date "settled" (by Arrow) and not the date it defaulted 5 years ago?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Settled because Arrow have paid a few pence for

it so it's off one mobs books and now on theirs.

 

The default date remains the original one and will

just be updated by Arrow with their name etc.

 

Brig.

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Rofl, what a joke. This email just in from the FOS ref my Egg loan sold to Arrow during a dispute over PPI:

 

"I have received an e-mail from Egg late last week and I have spoken to them again today.

 

"They are in the process of trying to calculate the refund but unfortunately by moving the account to Arrow this has only made it more difficult.

 

"I will phone them again next week and will persist until the matter is resolved although I appreciate fully your frustration."

 

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Hi DS, a little progress at least,

ICO actually making a reply.

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Truly, but the assignment of a debt in prior dispute by Egg to Arrow is now causing THEM problems in calculating my PPI refund and interest - and will also presumably complicate things for both Egg and Arrow as the balance sold by Egg was for the WRONG amount.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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The FOS have allegedly telephoned Egg and asked them to take the account back from Arrow. Their response was "no."

 

I have now requested at least half a dozen times a copy of any letter sent by the FOS to Egg regarding the assignment to Arrow and am being stone walled by them. Iwould like this for round 2 when the dispute with Arrow kicks off ref the claimed balance.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Brig: Any tips on makimg a F&F to Arrow on the circumstances of this particular case? I would like to offer them a % of the debt but based on the TRUE balance ie with the extra PPI taken off that Egg SHOULD have arranged prior to the assignment but didn't.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Whats the balance less PPI/charges??

start I suggest 15-20 % to give you

room to negotiate, must F & F no sale

or assignment of outstanding balance

and CRA file cleared.

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less PPI b/l is iro £4500. With PPI iro £5600.

I was thinking of 40% with an upper limit of 50% as I'm not out of work or paying £1 pcm or anything.

Yes, do need to prevent sale / assignment of balance in offer and would need that in writing from them?

As to CRA file cleared, do you mean marked settled or removed entirely from CRFs?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Hi Ds, I'd start then at 25% of the balance less PPI,

and you must get the written agreement for not selliing or

assigning the debt to a third party, as to CRF ask for complete

removal, bit are under no obligation to do it if that's the case

opt for settled.

 

Brig.

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cheers m8.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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IN the DRA industry Arrow are known for their settlements, and are actually one of the quicker ones in getting things resolved. Arrow are a seperate outfit to Fredricksons. In my oppinion (may be wrong) you want to use the fact that ppi is still in the balance to your advantage. Use that as a method of dispute, therfore giving them a reason to settle on the best terms, Always start low, just as they will start high. The lower you start, the lower the middle ground is.

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ALL the companies in the title of this thread inhabit the

same small area of the country and have been the unholy trio

for many years.

I will agree that arrow are quick to settle, and quick to remove

defaults and contested entries on credit files.

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Not yet Brig, on the F&F. I only sent the F&F at the weekend.

 

Ref the PPI and assignment of a prior disputed debt issue, the last i heard was from the FOS as posted above at #76.

 

Amazing how badly Egg have conducted themselves throughout this saga, which, in total (including the original PPI dispute) has been going on for 18 months now. Despite an adjudication in my favour Egg have tried to do one over and its stalled completely now they've assigned it. The FOS adjudicator is way too soft on them and I will shortly have to go to the Indp assessor I think...

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Just me being a bit previous DS:madgrin:

They do seem to make the right decisions

but then lack the will carry out any sanctions.

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I have sent a formal complaint about the FOS by email and asked for the adjudicator's line manager details. Then its off to the Indp Assessor if I don't get a response or that response is yet more piffle and faffle. Having looked at the IA's website, it seems she can order the FOS to re-open a complaint and look at it correctly, if she deems their service standards are poor enough.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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