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B3rty

Phoenix to Arrow assignment letter- whats next?

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Haven't been on here for ages and most of my accounts are dropping off the credit files. Just had a letter out the blue from Arrow to say they have taken assignment from Phoenix for one that’s got a couple of months to go don’t think its statute bared for a year or so. I thought all these fun and games had finished years ago however just want to be prepared as I know these are the lower life of the DCA world. Has anyone had a similar situation and what’s their letter process? I can challenge this quite easily and if it went to Northampton would get to local court as I have kept all my correspondence and have a letter to say they cant pursue however just want to get prepared and who knows maybe have a little fun.Berty


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Arrow have quite a portfolio of ''old''

and dodgy accounts at the moment.

Have you checked CRA files yet.?


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Yes nothing showing there yet although the default was nearly six years ago so all they could do would be show that date


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So the default nearly 6 years ago say in a September given

that the SB date could be up to 6 months prior to that??


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Yes default date is Oct so falls off file then. It's actually come off from the credit file since the last one I looked at and I assume will re appear with these clowns.....the SB will be later because I attempted to make payments following default for about a year.

Edited by B3rty

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No that cannot happen 1 debt, 1 default date, there can

only one default date they cannot place another, my guess

is this already SB.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Sorry my assumption is they can report to CRAs using the same default date. I edited the post above before I saw your reply ....the statute bared will be later because I made payments after default.

 

If debt is not on your files now it can't be put back.


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Hey that's interesting is that a fact. If the debt is off the credit file it can be put back on?


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Hey that's interesting is that a fact. If the debt is off the credit file it can be put back on?

 

It CANNOT BE PLACED AGAIN , a default entry stays on file for

six years then is removed paid or not.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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