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I am pretty much housebound due to mental and physical illness.

 

Arrow are requesting that I instruct my health professional to provide them with details and that I sign a release for them to access sensitive information.

 

Is it safe to allow these people access to very sensitive information?

 

We haven't shared the details of my issues beyond immediate family, ex-employer, the benefits officers and Citizens Advice Bureau and my care team to date.

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A DCA has no rights to your personal information, only a Judge can legally access both your personal financial position and health records.

 

You tell Arrow how much you pay them, not the other way round, if your on Benefits then it is £1 per calender month and NO MORE, this is all that would be awarded if it ever went to Court.

 

Does Arrow own the debt or collecting on behalf of a Creditor?

 

Stigman

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NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

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Thank you for the reply. Much appreciated

 

They have bought the debt c £3k Mint card. I did have debts totalling over 100K if you include the mortgage. We had several CCJ's and my health plummeted. We sold our property and made pro rata offers to all creditors from the funds from the sale. All but 2 accepted and the funds were dispersed amongst those that accepted. We had nothing left in the bank and no house or car. One of the creditors has continued to receive £5 per month on a £3500 debt through a CCJ and this other debt has been in limbo with Arrow for 3 years. Suddenly they are being active in their chasing. We are in rented social housing and I have a motability car from my disability. My wife gave up her job to be my carer and receives carers allowance and income support. I receive DLA and EESA.

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The debt that Arrow are chasing is not the subject of a CCJ?

 

What is the debt for? Credit Card/Bank Loan/Account etc.

When was the last payment made?

 

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Last payment was 7 yrs ago but letters has been exchanged every year. This debt has had more owners than David Beckham. RBS (Mint) Visa Card. Court action has been threatened several times by successive DCAs but not yet been carried out.

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Last payment was 7 yrs ago

 

Then this debt is Statute Barred, if no payment or written acknowledgement has been made within a clear 6 year period.

 

Send Arrow the following letter... http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

Send via recorded delivery and keep not only a receipt but a print off the delivery from the Royal Mail Track & Trace website.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I think the key words are written acknowledgement?

 

I have never denied the debt and made numerous written proposals to pay.

 

Is the debt still listed on your Credit File?

 

I would personally still send the Statute Barred letter and see what they come back with, some DCA's are excellent at keeping paperwork, others just throw them straight into the bin which is why they have only ever sent you threatograms and you have never been involved in the fantastic game of DCA letter tennis.

 

For the reference of your Credit File, Experian and Equifax both offer 30 day free trials but please remember to either download or print a copy of your Credit Report and then cancel within the 30 calender days or your card will be charged up to £14.99 per calender month.

 

Noddle is free for life, it is part of Call Credit which is the third least used of the CRA's and is less correct than the other two listed above.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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In the exchange of letters have you acknowledged this debt by offering payment or explicitly admitting liability?

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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There are dozens of letters too and fro. Whilst I have never specifically said "yes I hold my hands up thats my debt" I have sent numerous budgets, settlement proposals / monthly payment offers to the string of DCA's plus CCA requests each time the debt has jumped to the next DCA.

 

I'm beginning to think I have a far better dossier on this matter than any of the DCA's in the chain which include:

 

AIC

Intrum Justitia

Wescot

Nelson Guest and Partners

Moorcroft

Home Collection Services

Apex

Wescot (again)

Arrow

 

I've even asked Arrow to progress to CCJ as I would rather talk to a Judge than these people.

 

Collection is currently on a 28day hold while they pursue my medical records.

 

Sorry if this is all a little garbled as the whole process has me stressed and confused. ... but your help is invaluable

Edited by Special_Brew

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No problems I would like to read through all this again to see what can be done and get back to you tomorrow.

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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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My take on this is that it is statute barred, but I have reservations regarding the letters that have been ''exchanged'' over the years, did they unequivocally acknowledge liability for the debt?

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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  • 1 month later...

I cant argue an account is statute barred when I have tried to negotiate in the past surely?

 

They are still insisting on access to my medical information or medical practitioner.

 

Also the same debt is being simultaneously persued by Wescot. Surely they cant do that ?

 

I am losing sleep over this ... just when I'm getting my life back on track :(

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Were these ''negotiations'' conducted in writting?

 

No one or the other should be chasing it breaches OFT Guidance Section 3.7 ©'' Multiple businesses seek to recover the sam debt at the same time.'' can amount to harassment.

 

You can try this to the Compliance Manager at Arrow Global and Westcott.

 

Ref: use theirs.

 

Medical Records.

 

I refer to your demands for my medical to be provided and or contact with my medical advisors, such clinical data will NOT be provided to a company such as Arrow

Global as there is serious doubt that it would be treated confidentially and in accordance with the Data Protection Act 1998, therefore your demand is denied.

 

I have made clear my state of health which is now being seriously affected by the constant harassment my Arrow Global and its assigned agents Westcott, this breaches the OFT Guidance 2003/2012 Section 3.7 ©. ''Physical/ Psychological Harassment. ''Using Multiple Businesses to recover the same debt at the same time'',

you may choose to argue this but it is clear that Arrow Global and Westcott are pursuing this at the same time.

 

I suggest that you should recall the files on this from Westcott as I will not deal with them any further.

 

Ok?

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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1st of all thes **** bags have no right t access your medical file tell them point blank to **** off, if they threaten any further complain to the trading stanards they tried that crap with me I got compo

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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