Jump to content



  • Tweets

  • Recommended Topics

  • Posts

    • once a debt has had a default notice issued thus resulting in a defaulted date being registered, it reaching it's 6th birthday and thus removing the whole account, it can never comeback.   ok yes, if you fail to keep your debt owners updated with any subsequent moves, which you must for say 7yrs to be sure (which does not reset anything)  if if if a CCJ were ever to be attained and registered - that CCJ would show but not the debt itself return.   as long as a debt owner always has your correct address then a letter of claim if ever issued can easily be dealt with, but much better to comeback here in case wisdom on dealing with those changes down the line.   as for settling debts via an F&F to a dca that owns any debt - , totally pointless, in many cases it doesn't make it go away, they just await till 6yrs has almost expired then try for the rest or sell it on and they try for it, plus you giving the DCA free money to fund harassing everyone else they try and mug..   If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...   
    • Analysis: Klarna breaks the billion dollar revenue barrier View the full article
    • No it's not on my credit file, never has been either 🤷‍♂️
    • Ok thank you. So, am I implying correctly that even though I am overseas, and able to have any correspondence to the UK address forwarded to me, there is still a chance that bankruptcy proceedings could be brought against me?   Selling the property isnt really an option.    Also I'm a bit confused. In reply ~12 the advice is to get the defaults and let them run their six year course, but if I make small payments wouldnt that keep the clock running?
    • Well, we have also been done by Yewtree Cars/James Harrison! We bought a Land Rover Discovery from him off a dealer site on 28th December 2020. He advertised it as 1 loving owner (true, I tracked him down on Facebook, really nice guy!) throughout the advert WOW full dealership service history, WOW new cambelt, WOW new MOT, WOW full valet including decontamination clean WOW, WOW, WOW!!! We paid £4500 for the car plus £280 for delivery from Solihull to Winchester. He sent 3 texts reminding us to ‘look after the delivery guy cuz he’s a top man’! Soon worked out that HE was the delivery guy! They dropped the car off and scarpered. It was dark when it arrived, initial thoughts were it was disgusting inside. I have never seen such a filthy interior. He even left his sweet wrapper inside. He drove the vehicle down to us (we thought that we were paying for a transporter). It was running on fumes, so we took it out to get fuel. Straight away noticed automatic gearbox slipping. Not a good start. Next day messaged dealer asking for the receipt, twice, he said that he was in Dubai (in his dreams!) for 2 weeks but would send it when he got back.  Before he delivered the car, he said that if we weren’t happy he would personally come and collect it. Sent him a message (I like to keep proof of conversations) to say that we certainly weren’t happy and wanted to return it. His reply was - SOLD AS SEEN, YOU GOT A CHEAP CAR! Thinking we would have to cut our loses, we had a new gearbox put in, only to find that the crankshaft had also gone and then the bottom part of the engine had to be replaced. Also the suspension at the front was leaking oil (mentioned as an advisory on the previous mot, which he said had been done). He forged an entry in the service book saying that it had just had a cambelt change (false Land Rover stamp), confirmed by previous owner and Land Rover. So, after 8 weeks of being at the garage and £7000 - YES £7000! later we certainly did get a cheap car from him. Are we going to let this go? NO! I have found out his real name and I am going to pursue him through the court until I get this money back. He is the worst kind of confidence trickster, a lier and a thief. We will have no hesitation in scouring Solihull for him, whatever it takes.
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Help with Debt Managers Ltd - Arrow- Shop Direct (Carval)


Please note that this topic has not had any new posts for the last 2942 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

SB DCA? thanks

 

im getting a bit stressy here as littlewoods are being a bit slow - as one person dealing then replying and getting another CSR's saying As stated in previous emails, unfortunately, we are unable to help you as your account has been transferred to an external collection agency.

 

Any future correspondence should be sent directly to them at:

 

PHOENIX RECOVERIES (UK) LTD

CREDIT ACCOUNT MANAGEMENT LIMITED

PO BOX 649

WEYBRIDGE

SURREY

KT13 3EL

 

I am sorry but we cannot help you further by email, please write to the address above.

 

 

there is SOOO much wrong here and i guessed it was stat barred BUT want incorrect default removed etc which wasnt sure if could be done after i stat barred it

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Link to post
Share on other sites
  • Replies 122
  • Created
  • Last Reply

Top Posters In This Topic

Who owns the debt? Send the SB to them. If the DCA are only acting on behalf, tell them to take a running jump. You can send the SB letter too if you like, just make sure to have a good laugh at them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

No need to get stressed, remember your dealing with children not adults.

 

Yes send the SB letter to whoever is rattling your cage, once they have the letter, then you can turn to the CRA and have them remove the incorrect data.

Or face the prospect of paying you damages for defamation.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

And the compensation can go into the thousands, especially if theres an entry on your credit report.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

well the default was update/placed by arrow global although littlewoods tell me they sold it to poenix. mkenzie hall had a little stir for a short while and now dml are chasing it.

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Link to post
Share on other sites

I would send the SB letter to the DCA that is demanding payment. (A little lost on that one - is it back with Arrow now?)

 

It will cost you £10 but I would do a SAR to Littlewoods. This will get you all the statements, correspondence and agreements up to the point they sold it on. Hopefully you won't need it - but the backup information could be useful if the DCA comes up with a phantom payment or if fraud has been committed. At this point, I would see that as a good use of a tenner.

 

The SAR can take up to 40 days to come back.

Link to post
Share on other sites

Me too mate. This is how things look.

 

Littlewoods sold to poonix - not once heard off these regarding this.

 

Default says arrow global who i have never heard off either. Crf default history is strange ranging from 2011 and still being updated by arrow. Default 2008.

 

Who owns it? Not sure!

 

DML are the chasers now as i totally ignored mkcrapzie hall.

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Link to post
Share on other sites

Then DML get the SB letter.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites
Then DML get the SB letter.

 

thanks. Will print later. Littlewoods are looking into purchase history but then last night i told them default is incorrect, nod not sent and i want it removed. They state they did send a nod letter but i have never had one. This was 2008. Late?? They still havent told me proper amounts and when orders place for me to prove fraudulent and now tell me they cant assist me via email any more and gave me some customer excellence addressd if i want to dispute further. They say phoenix no longer trade and thats why arrow are on default. Thanks for telling meme after all this time. Grrr

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Link to post
Share on other sites

Doesnt matter if you recieved a NOD or not. The default was not placed within the specified timeframe, so you should be complaining to their compliance manager and the ICO.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
Doesnt matter if you recieved a NOD or not. The default was not placed within the specified timeframe, so you should be complaining to their compliance manager and the ICO.

 

 

thanks guys

 

stat B sent to DML

 

renegade - complain to arrow globall or littlwoods? as littlewoods placed it in the first place i guess? or arrow global since they are updating?

 

thanks - this is confusing now :-(

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Link to post
Share on other sites

IMO I would complain to both, just inform AG that you intend exhausting LW complaints procedure in order to escalate this beyond their control and if needs be you will be taking legal action against them to have the erroneous data removed, and if AG are content to assist LW by updating your file with inaccurate and defamatory information, you will drag them into the fray as well.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

thanks

 

anyone dealt with arrow global? just wondered best place to write too. never heard or dealt with these before and only discovered their default the other month! as it was on another CRA's filing and not the one i have been looking at previously

 

ta

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Link to post
Share on other sites

and to add.... i called LW today to try find out when last payment was and purchase history and they gave me a number they recon is internal collections - but i googled it and its for RMA Resolve.

 

who are they?!

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Link to post
Share on other sites

I think that is their in house DCA.....

 

Either way I wouldn't deal with this over the phone, they will tell you the moon is made of cheese if they think it'll make you pay them.

 

As for AG, yes they are well known on here.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

its stupid - i only want to find out the right amount -rma aint going to do nothing are they. its OC questions. if they cant be assed then fine - stab B sent to dml anyways

 

 

i looked and last payment was sept 2005 anyways from my statements, well online banking actually. so default in 2008 is garbage. I just dont know why littlewoods wouldnt have passed it on in 2005? why wait till 2008? to rack up unfair charges?? they say ACC closed in sold 2008

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Link to post
Share on other sites

Well if the default was placed on your file 2 years after you defaulted then I would say you have a very strong case for compo from whichever muppet placed it on their, and the incompetent, and quite frankly irritating, CRA for allowing this to be put on there without so much as a token check.

 

Incorrect data on your credit file attracts a £1,000 fine per incorrect entry for defamation, send them both, the CRA & DCA a letter before action (LBA) sent recorded delivery giving them 7 days to remove the incorrect data, or face legal action.

 

But please, don't threaten them with legal action unless you are intent on carrying it out, as it ill only make things harder for others who might wish to follow this course of action, after all we are accustomed to DCA's padding out their own threat letters with all sorts of legal jargon none of which they have any intention of carrying out, hence why we all laugh at their idle threats, the last thing we want to do is to lower ourselves to their same level.

 

If you threaten legal recourse, and they fail to comply, then you must take that action.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

littlewoods say the default was done in 2008 then sold after the 28 days from the NOD to pheonix - so my record of last payment is 2005 and never spoke to them again... then they do the default in 2008?

 

i dont get it

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Link to post
Share on other sites
Doesnt matter if you recieved a NOD or not. The default was not placed within the specified timeframe, so you should be complaining to their compliance manager and the ICO.

The time span for placing a default is not laid down in legislation the ICO just states that defaults should be placed ''timely'' usually within 6 months of the cause of

action, a later placed default '' MAY'' be challenged if it is unreasonably late

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:

Link to post
Share on other sites

Ahh gotcha brig. My mistake. I was always under the impression 6 years was a strict " do not cross" line.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Months Imp not years!!!!!

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:

Link to post
Share on other sites

Yea yea haha. I was thinking of another thread at the time of posting.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

thanks

 

Im a bit confused- say i made last payment towards this in 2005 - i cant remember if i closed the account... so should they have defaulted it in 2005 IF i owed them money? or would they just ride it out to 2008 if somehow the account wasnt closed with them?

 

ta

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

Link to post
Share on other sites

3 years is way too long to add a default, and the ICO would more than likely come down heavily on the company that added it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

If the account remained open after the ''last payment'' it may well have not been defaulted and accumulated charges, sometimes this debts can fall through the net for a few years.

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:

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...