need to remove Default on very account sold to Arrow Global

[tom5865]

Hi,

 

I have a default on my file from arrow global of £955. I sent a 'Prove it' letter about 4/5months ago and

they responded saying they have no information on me,

that they are looking for it but in the mean time they wont pursue me for money and they are not removing the default.

 

trouble is now i cant get any credit at all.

 

 

Im thinking of paying them a sum for them to completely remove the default.

 

 

how would i go about this?

what sort of offer shall i make them?

are they to be trusted not to chase for the remaining amount?

has anyone else done this with arrow?

 

sorry for all the questions

[dw8rr3n]

Do you owe the debt?

 

Bear in mind the original debt may not have been with Arrow Global as they have brought up a load of other companies debt (Littlewoods Catalogue as an example).

 

Under no circumstances attempt to pay them for a debt you don't owe. Offering to pay them something to remove the default won't work either and just looks like an omission that the debt and default do belong to you.

[tom5865]

Do you owe the debt?

 

Bear in mind the original debt may not have been with Arrow Global as they have brought up a load of other companies debt (Littlewoods Catalogue as an example).

 

Under no circumstances attempt to pay them for a debt you don't owe. Offering to pay them something to remove the default won't work either and just looks like an omission that the debt and default do belong to you.

 

 

 

Yeah the debt was with very.

But very refused my payments as they were too small apparently.

Paid them what i had anyway,

 

 

next thing i heard was the debt was with arrow global (no letters i had a nasty phone call off moorecroft)

and when i looked at my credit file i had a default placed.

 

ive been asking them now for what seems like an eternity to remove it as they themselves admit it was put on wrongfully.

If it wasnt for their vile phone calls saying they will make me live on the streets etc.

then i would pay it off without question.

Problem is i need that default off asap.

 

is there any letter templates that go along the lines of,

'im willing to make a token payment of £200,

if you completely remove the default you placed wrongfully with all CRA

and close my so called account with yourselves.

this is not admitting the debt is mine'

 

 

thanks for your reply

[dw8rr3n]

If you have never received a copy of the default notice then the approach I would take is to put the onus on Arrow to provide proof that one was actually sent. I've had success with this approach. Send something like the following off to Arrow and see what you get back:

 

Dear Sirs

 

Account No/Reference No: XXXXX

 

After recently obtaining a copy of my Credit File from Experian, Equifax and Callcredit, I am concerned to note that your company has placed a "Default Notice" against an alleged account I held with you. Further to this, I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data.

 

Please supply me with a true copy of the alleged agreement you refer to; this is my right under your obligation to supply a copy of the agreement under the legislation contained within s.77-s.79 of the Consumer Credit Act 1974. Your obligation also extends to providing a statement of account. I enclose the statutory payment of £1 to cover the fee for this;

 

Please also supply me with a signed, original certified copy of the default notice in line with s.87 & s.88 of the Consumer Credit Act 1974; moreso the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983

 

You are notified that you are obliged to supply these documents, whether you are the original creditor or not under s.189 of the CCA(1974). I request that this data is provided to me within the next 14 days. If you are unable to provide this data then I require all adverse information to be removed completely, including any defaults that may have been applied. Please note that mere correction or amendment to the entry will not be acceptable.

 

Yours faithfully,

 

Make the postal order out to "arrow global guernsey limited" and send to:

 

Data Controller

Arrow Global LTD

Belvedere

12 Booth Street

Manchester

M2 4AW

 

Additionally make sure you digitally sign it (don't use your actual signature).

 

See what they come back with.

[Halibutt]

Just a quickie - I wouldn't make the postal order out to anyone.

Just write on the back, "To be used only to satisfy statutory fees for CCA request."

 

That way, when they return the Postal Order because they can't provide the requested documents, you can still cash it

[tom5865]

Just a quickie - I wouldn't make the postal order out to anyone.

Just write on the back, "To be used only to satisfy statutory fees for CCA request."

 

That way, when they return the Postal Order because they can't provide the requested documents, you can still cash it

 

Thanks for your reply.

 

I sent a letter exactly like that, they replied saying they don't have a cca.

 

Then sent another demanding the default was removed,

they replied saying they sent me a default notice (they didn't attach a copy of it, I believe they actually refused)

and said they wernt removing it.

 

 

I'm sending another off tomorrow demanding a copy of the apprent default notice, and asking them how they can issue one if they do not have a CCA.

 

I've given them 40 days to come up with something or I'm taking it as far as I can regardless of cost.

I'm sick of the way they treated me. and I've sorted myself out now and can afford to do something about them.

 

I've also just read that I should have requested a SAR so I've done that as well.

 

Was you dealing with arrow global when you got your default removed?

[Bazooka Boo]

Catalogue debts will be full of reclaimable fees and charges. IGNORE any tin pot third party DCA they have absolutely no powers to do anything, go straight for the catalogue, send them a SAR and state that you want a complete history of your account including, but not limited to, the fees interest and charges they have applied to the account.

 

Then reclaim them all, including the interest at their rate.

[tom5865]

I need some urgent help with Arrow Global.

 

Some Background:

 

They issued a default against me on my credit file back in September 2011

i stupidly started paying them even though they never sent me any documents only one telling me to ring them.

 

After I started getting better financially and got a better job i started questioning Arrow Global and asked for some documents.

 

They were unable to provide any and therefore stopped taking money from me.

 

I kept pushing but they refused to remove the default and provide a copy of the default notice.

 

I issued a SAR and they replied with loads of documents all templates.

NONE had my name or address, amount owed, nothing linking me with this 'debt'. not even a template default notice.

 

Where do i go from here?

 

they have stopped me for two years now from getting any sort of normal interest credit.

 

I have contacted the FOS and they have sent me a letter to fill in

but they said it could take at least 6months before it gets properly assigned to anyone

and i'm desperate we are desperate to get our first mortgage and to stop wasting money renting.

 

What i need urgent help with is

 

whether or not to give arrow one more chance to take the wrong default off before i go down the FOS route.

 

I have written a rough letter that i need to send tomorrow before i go away for work for the next 3 weeks.

 

 

Could anyone give it a quick read and see if i'm missing anything important or whether i should just go straight to the FOS.

 

 

 

THANKS!!!!

 

 

 

Rough Letter::

 

Thank you for your co-operating and providing all data you have against my name.

 

I am deeply concerned as the documents prove you have not issued me a default notice

and ALL letters you have against me DOES NOT contain my name or address and does not state any amount owed,

they are template letters.

 

This therefore makes it impossible for you to be able to take money from me from the beginning

let alone issue a default notice against me.

 

I am however willing to take no further action if the following points are met with 14 days.

 

Please confirm, in writing on letter headed paper, the following points will be carried out;

 

• The Default Notice will be removed

• The Status of the account will change from “Defaulted” to “Settled”

• The Current Balance will appear as £0.00

• The Default / Delinquent Balance will be set to £0.00

• There will be no date in the “Defaulted Date” field (as it will be removed)

• There will be no date in the “Date Last Delinquent” field on the report

• This will apply to all 3 Credit Reference Agencies, namely Experian, Equifax & Call Credit

 

 

As I have mentioned in past letters,

if this ‘default’ is not removed from my credit file,

 

I have promised to report this to the relevant financial authorities.

 

I will process a complaint to the Financial Ombudsman Service (FOS)

and will also ask for any money paid to you to be returned

and for compensation from yourselves for severely damaging my credit rating

and preventing me from getting a mortgage for 2 years,

if this matter is not resolved within 14 days.

Edited September 8, 2013 by tom5865

[Geordie Joe]

I can't help you, but others probably can. I'm sure they will ask you to supply more information about the original debt.

 

What was the debt for and who was it with

did/does it appear on your CRA in the name of the original credit company

Did you get a default notice from the original credit company, and anything to say they had sold it to Arrow?

[tom5865]

the original debt is suppose to come from Littlewoods or very. It only appears on my Credit file from Arrow Global LTD. A default notice was not issued from the original creditor nor from Arrow.

 

Arrow have admitted that they have no right to collect money from me anymore as they or Littlewoods can't prove the debt is owned by me. (if they can't prove the debt is owned by me they certainly can't be putting a default on my credit file!!)

[dx100uk]

it would have been littlewoods that put the default on not arrows.

 

did you ever have a catalogue account with them ?

 

dx

[tom5865]

I had an account with littlewoods/NDR they refused my payment as I could only afford to pay £5 a month at the time.

 

NO letter of default was ever sent to me.

 

I was never given an opportunity to get the money together before they slapped it on.

 

I would have gone cap in hand to my parents if it meant me not getting a default.

 

After reading up about cca's

 

I asked arrow to provide one but they were unable to and also stated littlewoods couldn't provide one also.

 

So they stopped taking payment from me (around £150 a month, for around a year)

 

Now both littlewoods and arrow cannot provide any documentation certainly no default notice.

The only documentation that has ever been provided has so far been template letters.

 

I'm seriously thinking of going to a solicitor about this even if it costs more than the default amount

as the documents they have provided and have on me are laughable.

 

I really wish I could show some of them!!

[dx100uk]

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

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

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

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

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

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

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

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

.

dx

[dx100uk]

right this default

it would have been automatic as you missed more than 6 months payment.

so no-one would have issued any DN.

 

you would have had late payment letters &/or NOSIN letters

[notice of sums in arrears.

 

have you sent littlewoods an sar yet?

 

dx

[dx100uk]

on your cra file

 

are the payments to arrows for £150PCM showing

 

dx

[tom5865]

This is a long story that has dragged on 3 years so il try and condense it down as much as I can.

 

Arrow global issued a default against me in 2011 for a debt that I can't remember having with Shop direct. I stupidly kept paying them monthly with all my other bills until 9 months later I was going through what I owe and couldn't remember this particular debt.

 

I sent them a letter requesting a CCA. They replied saying they didn't have one and now the debt is not enforceable and they were unable to collect money from me.

 

I then sent them a SAR to help prove my case that the default should never have been applied. The responded with loads of template letters, not one had my name or address, none had to amount owing. It was literally template letters.

 

I requested numbers times for them to remove it but to no avail.

 

Now skip forward to last week when I am trying to get a mortgage for the first time and this default for £950 owing is causing me huge problems. I was advised by my mortgage advisor to just pay it off or offer them a small settlement figure.

 

I wrote to them stating that i do not accept responsibility for the debt but i would like the default removed. I offered them £300 as a Full and final settlement.

 

Their reply came today, stating that they do not need a signed copy of the credit agreement and that i should refer to the Carey -v- HSBC judgement with Judge Waksman. they have now attached a copy of a unsigned credit agreement, with my name at the top (longer version of the name on the default). they are now referring the matter to a DCA and want the money paid up in full.

 

 

 

How do i respond to this?

 

They themselves have admitted they cannot collect. They don't even have an amount I owe them when i requested a SAR. they surely can't just pluck up a old court case where some judge decided to accept an unsigned credit agreement.

 

Can i tell them to stop all collection until I have the correct legal advise?

 

thanks for any help

[dx100uk]

three threads already on the same issue merged

 

 

please keep to one thread

 

 

dx

[dx100uk]

ok

lets get you straight

 

arrow would not

and cannot default an account [send a default notice]

they can update an existing marker or add another 'D' to the monthly calendar

 

they don't need to hold an enforceable CCA to do so

they don't need a copy of the Default notice to do so

 

so as has been explained previously theres no good battering their door

the only way would be to offer them a sum to TOTALLY REMOVE the account.

 

what is the default date in the debt summary please.

[tom5865]

ok

lets get you straight

 

 

arrow would not

and cannot default an account [send a default notice]

they can update an existing marker or add another 'D' to the monthly calendar

 

 

 

 

they don't need to hold an enforceable CCA to do so

they don't need a copy of the Default notice to do so

 

 

so as has been explained previously theres no good battering their door

the only was would be to offer them a sum to TOTALLY REMOVE the account.

 

 

what is the default date in the debt summary please.

 

Thanks for your reply..

 

Default date was 9th September 2011.

 

After speaking with them today the balance is currently £955 so not a great deal of money.

 

TBH I Really need this off my credit report its the only thing on there that is causing issues, i haven't made a late payment on anything since 2010.

 

The quickest way would offer them a sum of money like you said, but how much is fair for a Full and Final settlement?

[dx100uk]

STOP TALKING TO A FLEECING DCA ON THE PHONE

 

 

writing ONLY.

 

 

dx

[tom5865]

STOP TALKING TO A FLEECING DCA ON THE PHONE

 

 

writing ONLY.

 

 

dx

 

Thats the first time I have spoke to them as I wanted to make sure of the account balance. I have now wrote a letter to be posted tomorrow offering £450, the original debt was registered at £1479 they then added £335 charges and they have already took £880 in past payments.

 

Is this a fair amount or shall I go higher?

[dx100uk]

there are lots of outstanding questions

from the last three threads now merged here that need answering. FIRST

 

 

you indicate once very/NDR [their in-house DCA]

sold the debt to arroes you made payments

 

 

are ALL the payments you made to Arrows showing on the payments on the CRA file listing please

[tom5865]

there are lots of outstanding questions

from the last three threads now merged here that need answering. FIRST

 

 

you indicate once very/NDR [their in-house DCA]

sold the debt to arroes you made payments

 

 

are ALL the payments you made to Arrows showing on the payments on the CRA file listing please

 

Shop direct file shows as zero balance and settled with no payments history apart from one entry at £0

 

arrow is the following.

 

£955 £1,115 £0 £1,195 £0 £1,275 £1,355 £1,435 £1,595 £1,675 £1,755 £0 £1,835 £0 £1,479

 

 

Thanks for the help btw

[dx100uk]

so how do I know those are the payments made to arrows?

can you not simply answer the question please?

 

 

I am trying to workout if money has gone missing please

 

 

dx

[dx100uk]

how s this going

 

 

dx