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Arrow Global / Clarity Credit Management / RBS Overdraft

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Hi there

Hoping for some help advice.


I have been living overseas for the last 2 years.


A letter came to my parents house this week, from Arrow Global

saying that Clarity Credit Management had taken over a debt for an overdraft with Royal Bank of Scotland.


Firstly, I have never had an account with RBS let alone an over draft. I


did have a NatWest account as a student that may have had an overdraft. But that was in 1999.


The letter says the date of the original agreement was in 29/09/2004.


At this time I was living in Dublin so definitely did not take out an account with RBS.


I have mailed this Credit Management Crowd and have asked them to clarify what this is for as I have never

had an account with the bank.


Is there a possibility that this could be the NatWest account?


If so why would it state a date of 2004?


I have never had a letter or contact from these people before,

and obviously I don't even live on that continent any more and I don't plan to any time soon,

but I obviously don't want these letters going to my parents home. I


s this statute barred?


Should I just ignore them?:sad::sad::sad::violin:

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I don't really have any more information at the minute. I definitely didn't take out anything with RBS in 2004.

Does NatWest fall under RBS and if it does would they reference RBS for a NatWest OD?


Even if it was the Natwest OD, it was taken out 1999/2000 so I'm guessing that would definitely be statute barred as I have had no contact about that either

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I think I would leave it and se what else comes. If it's a demand, then you can send either the prove it letter or the SB letter.


It will be something very old that has been sold on and they are hoping you don't know anything about finance and will just pay up,.

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The collections department were merged, most NW collections are headed RBS Group.


What you need to establish is the date of the last transaction on the account.

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

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clarity are well known for trying it on with statute barred debts


to see if they can catch a mug out.


per i'd be ignoring it for now its obv a phishing trip



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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