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

[gust]

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

[renegadeimp]

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.

[Bazooka Boo]

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.

[renegadeimp]

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

[gust]

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.

[Bandit127]

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.

[gust]

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.

[Bazooka Boo]

Then DML get the SB letter.

[gust]

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

[renegadeimp]

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.

[gust]

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

[Bazooka Boo]

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.

[gust]

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

[gust]

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?!

[Bazooka Boo]

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.

[gust]

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

[Bazooka Boo]

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.

[gust]

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

[BRIGADIER2JCS]

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

[renegadeimp]

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

[BRIGADIER2JCS]

Months Imp not years!!!!!

[renegadeimp]

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

[gust]

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

[renegadeimp]

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.

[BRIGADIER2JCS]

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.