Arrow Global default with CRA - old orange account

[BondR]

Hi, I'm new here so hope I am posting this in the right place.

 

Sometime ago I received a letter from Arrow Global

stating that they had purchased a debt from Orange Communications for app. £60.

 

Due to the passage of time (Feb 08) I had no record of this.

 

I wrote back to them requesting more details of the debt

and they were able to provide me with a mobile telephone number that I did not recognise.

 

They sent several more demands for payment

and in the end I explained to them that I was not happy with the way they had contacted me out of the blue

and had not supplied sufficient evidence that the debt was actually mine and therefore I am disputing the case.

 

I never heard from them again.

 

I assumed they had given up, but then

 

when I applied for credit recently and was declined

 

I checked my credit file and realised that they had recorded a default for £60 which will remain on my file until Feb 13.

 

I have written to them to complain about this.

 

They hav not responded but instead have handed the complaint to Rossendales

who are now chasing me for the £60.

 

The 2 things that have annoyed me are how can a DCA leave a default and then sell the debt onto another DCA, it does not seem fair.

 

I have also written to the OFT and the Financial Ombudsman who have basically said

they can log my complaint but cant help with specific issues.

 

Do I have any rights?

[dx100uk]

hi welcome aboard

 

orangew ould have placed the default and then sold the debt on a phishing list

 

when it get bought by a debt buyer

their name replaces that of the OC.

 

so, your target is ORANGE

 

a quick phonecall might resolve the immediate issue of the CRA file account

 

but if you honestly say this is not you debt

then you need to write to ORANGE

 

with a formal complaint

 

asking them tro PROVE the account WAS yours

or remove it TOTALLY

 

i'd be seeking compensation for wrong info too.

 

i'll get someone to pop in.

 

dx

[BondR]

Sorry, I made a mistake on the date above, the default expires on Feb 14. ta

[citizenB]

I think you also need to let Rossendales/ Arrow Global know that as far as you are concerned this account is not yours and you have made a Formal Complaint to Orange.

 

That should get them to back off - because Rossendale are pretty nasty DCA to deal with. They keep forgetting that when collecting commercial debt they have no rights as Bailiffs which is their other company hat.

[BRIGADIER2JCS]

Hi Welcome to CAG,

 

I think there is some confusion here.

 

The DCA would not have placed the default that would have been done by Orange.

 

Arrow Global are a debt purchaser, and have acquired the account from Orange.

 

AG use collection agencies to collect the debts they have purchased.

 

So I suspect Rossendales are assigned to collect/manage the account on AGs behalf.

 

It would appear that the default is properly placed.

 

There has to be an initial contact so there is no basis for a complaint about that.

 

A telephone contract is a 'service' contract and is not regulated by the Consumer Act 1974.

 

Debts are assets and can be sold on.

 

 

You will now need to raise your 'dispute' with Rossendales. so that the account is put on hold.

 

Then as dx 100 says it may be worth a call to Orange about this.

Edited August 16, 2013 by BRIGADIER2JCS

[BondR]

OK thanks I'll get onto orange.