freddies/carter/arrow/cap1 - Help needed regarding Statute Barred???

[andymzua]

Hi all.

 

I am a novice to all this debt and just require some advice.

 

I have received a letter from Bryan Carter Solicitors;

RE: Arrow Global Guernsey Limited.

For an outstanding Balance of £679.07

The letter states;

"This matter may be referred for court proceedings to be issued in 10 days if payment is not received at our office by that date."

 

Previous to this I received a couple of letters from Fredrickson International Limited;

Re Brand/Product: Capital One.

Our client: Arrow Global Guernsey Limited.

Balance £679.07

 

I ignored the Fredrickson letters as at first they wanted me to contact them to verify if I was the correct person. So as far as I was concerned they were phishing.

 

I did have a debt with Capital One which I last paid towards in about mid 2005. I then stopped paying as I was advised to and started proceedings to enter an IVA. The IVA was entered in February of 2006.

 

By end of February 2006 I was made redundant and did not find work till May 2006. I missed one payment on the IVA in that time.

 

I requested that the amount I was paying the IVA be reviewed due to my far lower pay scale but unfortunately this didn't happen.

I struggled with the payments but unfortunately and ultimately the IVA failed in the January of 2008.

 

I have not heard anything from any one I had debts with since I entered the IVA until now.

 

So one question I have is,

 

As the final payment to the debt with Capital One was in 2005 does this make the debt Statue Barred or does the fact I was paying into the IVA mean it is not?

 

What steps should I take next?

 

Thanks in advance.

 

Andy

Edited June 10, 2012 by andymzua
Correcting spelling

[dx100uk]

what does your cra file with regard to this debt?

 

see below

 

noddle is free

 

dx

[andymzua]

Thanks for the reply dx100uk.

 

Problem I have with obtaining a CRA is that I do not poses a debit or credit card.

[dx100uk]

ok you'll have to do the £2 PO option thn

 

CitizenB has just replied to a thread you have subscribed to entitled - Help! - Natwest have instructed capquest - large debt - in the Debt Collection Industry forum of The Consumer Forums.

This thread is located at:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=330724&goto=newpost

Here is the message that has just been posted:

***************

not all the creditors/dcas report to ALL of the CRAs.. so to obtain a full check, you really need to contact the 3 main players.

 

Company Secretary

Equifax Limited

Capital House

25 Chapel Street

London

NW1 5DS

 

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

 

Company Secretary

Experian Limited

Talbot House

Talbot Street

Nottingham

NG80 1TH

 

You can either complete the forms online or send a letter (below) with a £2.00 postal order.

 

---Quote---

All of the three Credit reference agencies offer a paper version and they only cost £2

 

Noddle (who are part of CallCredit) off free online credit reports but as they are the smallest of the threee, they may not have all the info

 

Experian paper app.

http://www.experian.co.uk/downloads/consumer/cfa.pdf

 

Call credit

http://www.callcredit.co.uk/media/53...itfile-app.pdf

 

Equifax

http://www.equifax.co.uk/Products/cr..._file_0310.pdf

 

Send with a £2 postal order.

 

You can use Experians online free trial. just make sure you cancel before the trial runs out

 

Address

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

 

Dear Sir or Madam,

*Limited Data Subject Access Request

s9(2) The Data Protection Act 1998*

I hereby request a copy of my Statutory Credit Report, served under s9(2) of The Data Protection Act 1998.

I enclose the Statutory Fee of £2 paid via Postal Order, number: 123456.

For the purposes of confirming my identity, I can confirm the following details:

*My full name*:

*My Maiden Name: *

*My Date of Birth*:

*My current Address*:

 

I have lived at the above address for XX years.

 

I note that under s7(3) of the above Act, a data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks.

However, I feel the above information identifies me sufficiently to discharge your obligations to establish my identity before posting my Credit Report.

I am aware that you have 7 Working Days to post the Credit Report to me, commencing the day after this s9(2) Statutory Request has been delivered to your Company.

*This letter must not be regarded as granting your Company any Data Consent*.

Yours faithfully,

*Enclosures:

*1 x Statutory £2.00 Fee via Postal Order Number: 123456

*Notes*:this letter is being sent via Royal Mail Special Delivery service

---End Quote---

there is also

www.checkmyfile.com

....ends

 

 

 

dx

[andymzua]

thanks again, appreciated.