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Bryan Carter / Arrow Global - Kays shop direct account debt?

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I sent a

"I have no knowledge of any such debt with Arrow Global" letter in May 2012.

 

I received a "we are consulting our clients" letter,

followed by a letter on xx Dec with an attachment from Shop Direct Group for a Kays Lifestyle

account opened xx/xx/xx

showing goods £xxx,

Payments £xx and

a default date of xx/xx/xx.

 

(I have omitted the dates and amounts as I am not too happy about revealing too much on the forum (you never know who is reading it!) as I am working on behalf of a relative.

 

It does not show what the goods were, if they were received, date of payment received etc.

 

Does this actually prove the existence of the debt or am I entitled to more information?

 

I am not sure what my next step is now.

 

Can anyone advise me on this.

Thanks

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does your relative remember the account?

 

you could SAR Shop Direct.

this will cost you £10.

how much is owed? just round it up or down.

when was the last payment made? month and year will do.

 

series3


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Thanks for that.

 

The amount claimed to be owing to ShopDirect group is £600 and BC is claiming claim fee, claim cost and judgement cost too.

 

The attachment does not show the date last payment was made,

only that a number of items were ordered,

what they were is not specified.

 

The account was opened early 2007 and it shows a default date of late 2007.

 

Should I inform BC and Arrow Global that I have requested an SAR and where can I find out the addres that Shop Direct Group's data holder has registered?

 

Why is Arrow Global pursuing this debt and how do I know that they have the authority to do so?

 

I have never been informed of Arrow Global being assigned the debt,

nor of any judgement being sought or granted.

Or how should I proceed further.

 

(I use the term I for the sake of simplicity! it is easier than using my relative every time).

Thanks again.

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Are you saying BC has a CCJ against you or is it a "what will happen" threat o gram ?

He may have bought the debt...

If the last payment was made in 2007 then it will soon become statute barred, may be just phishing for a responce.

Any letter you do send add "I do not acknowledge any debt to your company"

 

series3


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Hi and thanks again.

The original letter (statement of account from BC) was headed

 

re. arrow global guernsey and stated the original debt *(with a date in Mar 2008 interestingly) and Claim Fee, Jul 08, Claim cost Jul 08 and Judgement Cost Aug 08.

 

It does not specifically state that it is a Court Judgement cost, but that is what I inferred from it.

 

They originally tried contacting my relative by phone but we refused to answer, denying any debt and stating they should send proof of said debt.

 

That was when the "statement of account" arrived.

 

I denied knowledge of the debt.

 

7 months later this latest letter with the vague details from SDG arrived with BC claiming original debt, claims fee, claims cost and judgement cost

but no details of what this judgement was.

 

Should I press on and request full details from SDG or should I ask BC for details of the debt being assigend to Arrow Global

and for details of exactly what the judgement was.

 

Thanks

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You need to get a copy of your credit file, which will show a CCJ.

 

There are 2 main credit agencies in the UK, experian and equifax.

Both of these hold your credit info, and are the ones used by lenders.

If you have a CCJ, it should be on both reports, so you only need to check one company.

 

series3


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BC have supplied details of the debt but the details they have supplied are from Shop Direct Group NOT Arrow Global.

 

The Experian report shows this debt as being settled so what does this mean.

 

What is going on here.

 

Any ideas welcomed.

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You will need to ask Mr Carter for an explanation. A settled debt is not owed. If he plays silly beggars report the firm to the authorities.

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The settled entry on Shop Directnis from when Arrow bought the debt,paid a few pence in the pound for it.

That's the explanation.

Arrow will have very little data apart from what has happened since they aquired the debt.


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Arrow will have very little data apart from what has happened since they aquired the debt.

 

Agreed, which puts the onus on Carter to explain and finding that he can't lead to his pulling out of any action.

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ACCEPTOR SUPRA PROTEST, in contracts, is a third person, who, after protest for non-acceptance by the drawee, accepts the bill for the honor of the drawer, or of the particular endorser.

 

By this acceptance he subjects himself to the same obligations as if the bill had been directed to him. An acceptor supra protest has his remedy against the person for whose honor he accepted, and against all persons who stand prior to that person. If he takes up the bill for the honor of the endorser, he stands in the light of an endorsee paying full value for the bill, and has the same remedies to which an endorsee would be entitled against all prior parties, and he can, of course, sue the drawer and endorser., 1 Ld. Raym. 574; 1 Esp. N. P. Rep. 112; Bayly on Bills, 209; 3 Kent. Com. 57; Chitty on Bills, 312. The acceptor supra protest is required to give the same notice, in order to charge a party, which is necessary to be given by other holders. 8 Pick. 1. 79; 1 Pet. R. 262. Such acceptor is not liable, unless demand of payment is made on the drawee, and notice of his refusal given. 3 Wend. 491.

 

Hope that helps

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The simple fact is that in this case the credit file entry being marked settled doe NOT mean the debt does not exisit and is not enforceable.

 

IMO it indicates the sale of the debt and the new ''owner'' has yet to up date the files.

 

So personally I would disregard some of the suggestions made and send a SAR to Shop Direct asap.

 

Check Truston line for the CCJ on Monday, if it is not showing then Carter can be easily dealt with.


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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What & Why, this in not going to help the OP at all!!!


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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FOTL stuff removed.

 

can you goto www.trustinline.org.uk

 

and check for a CCJ.

 

me thinks you are missreading a threat-o-gram

 

if, but, might, could

 

 

involve these charges if you dont pay.

 

as 90% of cat debt are PENALTY charges & PPI anyway [esp old KAYS account]

 

get an sar off to Shop Direct

 

there will be lots to reclaim and its getting toward 6yrs now [they'll destroy the paperwork soon]

 

dx

 

dx


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jamwis, as in post # 14, you need to check with trustonline to see if there is a CCJ in place.

 

It would be nice if we could see the letter that BC wrote to you - suitably edited of personal information.

 

If you follow the instructions below then you should be ok.

 

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

 


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Uploading documents to CAG ** Instructions **

 

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HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

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Please Read

 

 

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Why are they only now just pursuing if they claim they had a CCJ against you in 2008 !


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Not sure that there is CCJ myself Carter has made these claims many times before


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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