+8yrs orange 'debt' - now with Arrow Global - need CRA cleared!!

[dashiel09]

I was first chased for an unsubstantiated debt from orange (passed to arrow Global) approx 8+ years ago.

 

I was chased by one company and then another on behalf of Arrow.

 

Two years ago I wrote challenging the debt and asking for proof of it,

proof to chase for it

and a statement of account.

 

Silence for sometime.

 

In the last 12 months, two different companies have started chasing - one passing to the other.

It is now with Fenton.

 

I have never admitted to the debt but did correspond about it,

requesting proof 2 years ago.

 

Just checking my report and it looks like a default has been updated on 11th Nov 2013

from them leaving me with a 1 out of 5 credit score.

 

What should I do?

 

Many thanks!

[dashiel09]

Looking at the account in a bit more depth,

says that the date of default was actually 11/11/08

and has an address listed that I wasn't living at in 2008.

 

I'm also pretty sure that i no longer had an account with Orange in 2008,

 

that I closed the account at least two years previously.

 

Any help would be gratefully received!

[dx100uk]

couple of years yet till it vanishes then?

 

 

what do orange say about this?

 

 

when was you last useage/payment?

 

 

dx

[dashiel09]

Orange do not exist anymore.

France telecom sold it to EE I think in 2010.

They passed over the debt to Arrow I believe.

 

 

Should I still call Orange to ask if there is an outstanding debt.

 

 

I haven't been a customer for over 6 years!

 

 

Earliest possible payment therefore must have been August 2007.

Most likely 2006.

How would I find out for sure?

 

I asked the debt company acting on behalf of Arrow to provide evidence of their right to recover the unsubstantiated debt

when they were chasing two years ago - nothing.

 

The fact that debt recovery companies keep passing the debt on to another company surely suggests I'm not culpable?

They would have taken me to court by now?

I challenged two companies and got no response from them.

They just handed it over.

I have the correspondence between me and one of the companies from two years ago.

 

Thanks!

[renegadeimp]

Sounds like it might be sb

[dashiel09]

what does sb mean. mainly interested in finding out how to get it removed from my file

[renegadeimp]

When was the last time you made a payment to the debt, and made express written acknolwedgement towards the debt? Was there a clear period of 6 years ( 5 in scotland) where no payment or acknowledgement was made.

 

As for the file, if the date of default was correct, and the entry was placed correctly, then it will automatically expire 6 years from the date of entry. If there are any details wrong with it, and if it is still there after 6 years are up, then you need to write a full complaint to the data controller of the company that is maintaining the record.

[dashiel09]

I have never paid anything towards the debt.

I have never acknowledged the debt.

 

 

I replied to a debt collection agency two years ago saying that I have no knowledge of the debt

and asked them to provide evidence of its validity.

They did not reply and passed the debt to someone else.

[renegadeimp]

Then the debt is statute barred and they are chancing their luck.

 

You have 2 options now. Either ignore them completely, or send the statute barred letter, then ignore them.

[dashiel09]

How can i get it removed from my file now?

My credit rating is dreadful.

Below is the letter I sent two years ago.

It is a different debt collection agency chasing me now.

 

I would like to know two things

 

1. How do I verify when the unsubstantiated debt was allegedly incurred?

2. How do i remove it from my file?

 

Thank you very much

 

You have contacted me (24th May and 31st May by letter and 19th May by phone)

regarding the account with the above reference number, which you claim is owed by myself.


 

 


I have no knowledge of any such debt being owed to Orange.


 

 


I am familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection,

which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

 

I might add that you released details about the claimed debt on the phone to me despite not knowing my identity.

Please send me a copy of your complaints procedure.

 

 



I would ask that no further contact be made concerning the above account

unless you can provide evidence as to my liability for the debt in question in the form of

 

1. A true copy of the signed credit agreement under which the debt you refer to relates to.

This is my right under under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit.

I enclose a £1 postal order in payment of the statutory fee, PO Serial Number 16455289.

The postal order is payment for the requested document;

it is not to be misconstrued as a payment towards the unsubstantiated debt.

 

2. The deed of assignment allowing you to collect this debt

 

3). Your obligation also extends to providing a statement of account to (to include the form of a bill and accounting from Orange showing how the exact amount

of the debt was incurred and all payments made on the account).

 

Please do not contact any credit reporting agencies until this debt is verified.

If they have already been contacted regarding this matter,

please notify them that I am disputing this debt.

 

 

In the event that you cannot verify the debt,

you should notify the credit reporting agencies of your findings.

 

I would request that this data is provided to myself within the next 28 days,

if you are unable to provide this data then I must insist that you cease chasing this unsubstantiated debt.

Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

[renegadeimp]

When was the actual date of entry on your credit file? Not the last updated date, but the date of entry.

[dashiel09]

It says that it was updated on 14th/11/13.

says date of default was 11/11/08.

But I don't think that's right.

 

I think I closed down my Orange account 1-2 years previously.

 

The address details that Orange had for me and which therefore relate to the debt are wrong too.

I had moved out of that address at lest a year previously.

So the debt can't be from 2008.

[dx100uk]

mobile accounts don't have a cca waste of time requesting it.

 

 

orange would have defaulted the account before selling it off.

 

 

as advised, you need to ring orange.

 

 

dx

[dashiel09]

I'm still struggling with this.

Orange say no debt is owed to them.

 

Neither they or I know what the debt is.

 

Orange says the account was terminated in Nov 2008.

They cannot tell me when the last payment was made to the account

but it must have been before Nov 2008 when the account was terminated.

The address they have for me does not tally with where I was actually living in Nov 2008 so something is not right.

 

But there's a note on the database from 2010 saying that the account was in 2nd placement with a debt collection agency

and that customer calls should be forwarded to Moorcroft.

 

To my knowledge, I have never been contacted by Moorcroft.

 

I have asked two of the debt collection agencies for proof of debt,

statement of account etc but they did not reply.

They just sold it on.

 

When I posted in Dec the debt was with Fentons.

Now it is with a solicitors firm called Restons.

 

I am about to apply for a mortgage so I need the debt removed from my file.

 

What is the quickest way of doing this?

 

Thank you very much for any help.

I just don't know how to resolve this.

[renegadeimp]

Sounds like a ficticious debt. You'll probably need to file formal complaints to the data controllers of whichever company owns the debt, and get the FOS and ICO involved. Sadly it wont be a quick fix. You could also add a notice of correction with the CRA's. Also get teh CRA's to question the creditor. Normally, if they dont reply, the CRA's will remove the entry or put their own notice on it.

[dx100uk]

this is sounding more and more like

the people that moved into you old home

fraudulently used your details to take out a contract for it.???

 

if you could get a crime number

[actionfraud might be able to assist here]

 

then you could write to whomever is shown as the owner of the debt on the CRA file

and demand the debt is removed as reported fraud?

 

on a side note:

I cant seen this being the sole reason your CRa file score is 1/5 though.?

 

is there anything else bad there?

 

dx

[dashiel09]

sorry. ive been unclear.

 

i had an orange account for a number of years.

 

i used to pay by direct debit and was never in arrears. there's nothing fraudulent going on.

 

its just that i have been chased by debt collection agencies for £250 ish

but i dont know what it is for. nor do orange.

 

i have asked previous collectors to prove what the debt is and they havent replied.

 

and there's a mark on my credit report that i want removed before i apply for a mortgage.

 

nothing else bad on my credit report.

 

ive not had much credit though,

 

no credit cards etc.

[renegadeimp]

Like i said. Its probably an error that got out, and the DCA's being the **** they are, refuse to believe you. However, because they dont have any proof of the debt, they sell it on to make money.

[dashiel09]

Thanks for replies - so what's the best way to get the default removed?

[renegadeimp]

Direct formal complaint to the data controller of the company listed on your credit file.

[dashiel09]

Thanks for advice - is there a template for this that you know of. Company is Arrow Global. thank you!