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    • Why can't you prove the debts were fraud? You can simply do the by a cca request and an sar.   If the debts that are fraud were wiped does this remove the judgement s?   Dx
    • So what about something along the lines of......   1. Since the last hearing datated xxxxx I have discovered that I have in fact held two agreements with Capital One credit cards in the past.One branded Luma account number xxxxxx which was issued in 2012 and a Capital One credit card account number xxxxxxx which was issued 2015 and is currently being serviced by  Arrow Global.Therefore the disclosed Capital One credit agreement presented in this claim cannot possibly be true or connected to the Luma branded card that this claim relies upon.   Its a risk but if accepted by the Judge then that proves the one being used here cant possibly be valid ?
    • said in their letter - i have only emailed in response to their letters, and, as i said, nothing in the last five years.  Barclays is shown as the owner on the TransUnion credit file, and it doesn't show on Experian/Equifax.  Is it worth contacting barclays - e.g. if the account isn't statute barred, is it likely that this might ramp up collection activity, or do i just sit it out in respect of my credit file?
    • They said? not been talking on the phone have you? dont do that. Writing only they are powerless. who is shown as their client on their letters or the owner on your credit file.   if its still with Barclays...your complaint target is Barclays themselves
    • Dear all,   I have got myself into a total mess with debt and now I can see no way out. I have substantial debts which I’ll summarise below   . Potted history , I had debt that I was servicing including a historical CCJ. The CCJ was paid off in July 2019 and the six years ended in Jan 2020.   Stupidly I consolidated debts around May 2019 into one large loan which left a credit card and store card. The interest was high but I’d planned to take a new loan once my CCJ disappeared.   Against all of this I was in an abusive relationship that I was getting out of. I managed to break up in Sept and things looked good.   Then I noticed some strange activity in post I was receiving etc. Essentially my ex, a NZ citizen had taken out loans and a card in my name.   Long story and stupidity on my part I could not enforce anything as I went to solicitor etc and only option was case through NZ system which would be costly.   I then got another new CCJ by Shoosmiths who my first CCJ was from, it was almost like the waited until first ran out then slapped another. I challenged and lost and the CCJ was enforced.   my salary is good (circa £4000) each month. But I’ve just been in a cycle of decline borrowing more to pay debts and then more etc etc   . I’m now in situation where I’m paying the CCJ and my bank overdraft and my bank credit card. I’ve stopped paying the others as had taken advice and was trying to get an IVA or if that failed bankruptcy.   Whilst doing all the checks and gathering information I’ve found out that an IVA or bankruptcy will be classed as gross misconduct and render me dismissed from my job. I work in the NHS and this is stated in the contract   . I really do not know where to turn to or what to do and can see no way out.   Please, please if anyone has had similar or can give any advice I’d be massively appreciative.   Debts include (amounts are approximate):   Personal loan - £7k Personal loan - £3k credit card - £3.5k credit card - £1.2k credit card - £2k Store Card- £2.3k payday loan - £0.5k Payday loan - £1k CCJ- £13.5k   I even fear now that if my employer finds out I have a CCJ I will get sacked as it states something like “...bankruptcies and any arrangements to pay creditors may result in dismissal.”   
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Hi All

 

I haven't posted for a while, just after a little bit of advice on how to deal with ARC Europe.

 

Recently I have received a couple of texts from this company and an answer machine message asking me to call them which I ignored.

 

About a week ago I answered the phone to one of they're agents who was quite pushy with me, but I refused to go through the security questions with him including my address, whilst on the phone to me he told me that he wanted to discuss Nationwide with me. I told him to put everything in writing to me, he told me that that they already had and hadn't received a response from me that is why he was calling, I told him that he must have the incorrect address for me, I refused to give him my current address. Because I refused the security questions he ended the call using the words 'Thats Unfortunate'.

 

I did have a Nationwide account which became Statute Barred about a year ago, I haven't heard anything about this account in about 6+ years although I have moved a couple of times in that period.

 

Today I received a further message from one of the agents from ARC asking me to call them back, my question is, should I just ignore them or would it do any harm to give them my current address to enable them to write to me?

 

I am concerned that they may try and obtain a judgement in my at a previous address, maybe by fabricating a phantom payment.

 

What do you guys suggest?

 

Thanks in advance

 

QB

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Ignore. You could check your credit record to see if anything is on there. If your credit record has your current address, there is no reason why any creditors could not correspond with you. If debts are definitely SB'd, then send them the SB letter in the library and tell them to stop trying to contact you.


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I check my CRA file frequently and it doesn't show on there.

My CRA shows my current address and previous addresses, I think I will ignore until they can be bothered to write to me at my current address with something concrete.

Thanks for your time

QB

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I've had dealings with this foul company, on the phone they are very pushy - stay off the phone to them, if they call tell them in writing and put the phone down, if they're stupid enough to phone back, just repeat 'in writing' & put the phone down.

 

They said to me that they had written to me 4 times but had no response but that was rubbish.

 

Their telephone chimps are pushy & argumentative but are clueless on Consumer Law.

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Hi All

 

I haven't posted for a while, just after a little bit of advice on how to deal with ARC Europe.

 

Recently I have received a couple of texts from this company and an answer machine message asking me to call them which I ignored.

 

About a week ago I answered the phone to one of they're agents who was quite pushy with me, but I refused to go through the security questions with him including my address, whilst on the phone to me he told me that he wanted to discuss Nationwide with me. I told him to put everything in writing to me, he told me that that they already had and hadn't received a response from me that is why he was calling, I told him that he must have the incorrect address for me, I refused to give him my current address. Because I refused the security questions he ended the call using the words 'Thats Unfortunate'.

 

I did have a Nationwide account which became Statute Barred about a year ago, I haven't heard anything about this account in about 6+ years although I have moved a couple of times in that period.

 

Today I received a further message from one of the agents from ARC asking me to call them back, my question is, should I just ignore them or would it do any harm to give them my current address to enable them to write to me?

 

I am concerned that they may try and obtain a judgement in my at a previous address, maybe by fabricating a phantom payment.

 

What do you guys suggest?

 

Thanks in advance

 

QB

 

Personally I would not ignore these people they are very aggressive in their approach and very persistent.

 

If you are sure that there has been no payment or written acknowledgement of the debt in 6 clear years send the following by recorded delivery to:

 

The Compliance Manager

ARC Europe

 

 

Ref: Nuisance Calls:

 

Sir/ Madam,

 

I refer to a number of calls from ARC in regards to an alleged debt with NationWide , at no time have I answered any 'security' questions when aske but your operative has stated the they wanted to discuss NationWide a clear breach of the DPA 1998, this aside I do not acknowledge any debt to ARC Europe.

 

Having researched my credit history I have concluded that any such alleged debt is statute barred and therefore I will not make any payment.

 

Should ARC Europe wish to dispute the debt it is reminded that the onus of providing unequivocal proof that this matter is not statute barred falls entirely upon ARC Europe.

 

I am fully aware of the OFT Guidance on Debt Collection and the sections regarding statute barred debt.

 

ARC Europe WILL now close the file on the account and cease to process all data relating to me and will remove it from its records.

 

This is my final response.

 

I'll have an address for you in a few minutes


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

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The Compliance Manager

ARC Europe Ltd

Kent House

Churchfield Road

Walton upon Thames

Surrey

KT12 2YU

 

 

Use recorded/signed for delivery.


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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Thanks Brig!

You are a superstar, I will send this off tomorrow, I'm guessing it's ok to head it with my current address? I don't have any reference numbers etc, as the only refenence number I had was on text and I had to Factory reset my phone which erased all messages.

I do know from when I checked my CRA file last year (July 2012) that the last payment date was Feb 06 and the default date was December 06, there were no recorded CCJ's for this debt registered on my file at that time.

 

Thanks again, I will keep you posted.

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HI QB, you're welcome!!


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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Surely if the last payment/activity on the account was in February 2006 then the clock for statute barring would start ticking in March 2006 when the next payment was due but not paid rather than the December when the default was issued?

 

Feebee_71

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Surely if the last payment/activity on the account was in February 2006 then the clock for statute barring would start ticking in March 2006 when the next payment was due but not paid rather than the December when the default was issued?

 

Feebee_71

 

Yes that has been taken into account though it is irrelevant to the SB status.


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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I have been having a mini war of attrition with these clowns, I have an old debt not old enough to be statute barred yet so they tried hounding me into paying £100 per month to clear the debt.

As I wish to clear my old debts and repair my credit file I have been researching what I owe and to who. This debt has been purchased by these clowns, so to clear things up they are being paid £5.00 per month, they can take it or leave it.

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