Arrow Global chasing +£6k HSBC OD debt from 2005

[bristolred]

Hi Everyone

 

I am currently in a dispute with arrow global regarding a debt,

I have recently sent a cca request and received a response.

 

In regards to the letter I have never had a overdraft for this amount £1500 at the absolute max.

Could this be charges?

surely not?

 

Please can you read the letter and advise of what to do next.

Dear Mr xxxxxxxx

 

DEBT OWED TO Arrow Global Limited

ASSIGNED BY Phoenix Recoveries Uk

 

We thank you for your recent letter and acknowlege your request for documentation pursuant to the consumer credit act 1974.

 

We do not accept that we are the crditor as envisaged by the above statute.

 

This account arose under an overdraft facility.

 

Even if this account was regulated under the consumer credit act 1974,

part V of the act does not apply to this facility and there will accordingly be no executed agreement.

In additon we confirm

 

The total sum paid is £613.87

The total sum outstanding is £6421.54 and

the amounts which will become payable comprise interest

and costs,depending on what enforcement action is taken against you.

 

The account is being managed by NCO Europe,please contact them to make arrangements to pay your account.

 

Any advice would be greatly appreciated.

Thank you

[dx100uk]

you'll prob have to SAR the original creditor

 

who is it?

 

when was the last time YOU paid them anything?

 

how old is the debt

 

when did it start

 

tell us the history please

 

dx

[bristolred]

Hi dx

The original creditor is Hsbc

 

I couldn't tell you the last time I personally made a payment to them.

 

I have been on a dmp with stepchange since around 2005,

my statement says that I owe hsbc nothing with the same account number.

 

I would guess that the last payment to them would have been pre 2005 but cannot be absolutely certain.

I would say the debt is from around 2003 and this would have been the last payment by me.

 

The 1st I heard of this was around october, this is when I sent a cca request.

 

Something doesn't seem right to me as they are stating that this is for an overdraft.

...I would never have had an overdraft for over £6k.

 

Sorry if my memory is a bit hazy.

 

Let me know if you need any more information

Thanks

 

Paul

[dx100uk]

ok

right you seem to have wised up a bit them

and are getting CCA requests out to everyone being paid through the DMP...yes?

 

obv you cant CCA a bank account mind.

 

if CCCs are saying you owe nowt them send that to arrows.

[dx100uk]

if you want

scan up their letters

I bet they are phishing ones

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

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

but leave all monetary figures and dates.

.

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

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

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

.

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 http://www.freepdfconvert.com/

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

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[renegadeimp]

Arrow seem to have bought a bunch of bed debts lately. Theyre chasing me for 2 debts that have been sb since at least 2003

[bristolred]

do you think its an idea to check my credit file?

 

Not done so for years as it was costing me £5- £10 a month.

 

I have not cca'd my other 2 creditors and have been paying them religiously for years.

 

Please can you explain what is to gain from asking for this?I am not disputing any debt with these.

[dx100uk]

noddle is free

 

see below

 

we need [you] data

 

dx

[bristolred]

Brilliant thank you Dx, checked my credit file and it is not on there.

 

Do overdrafts normally show?

 

I only have one creditor listed on there and I am paying two.

 

Does this mean anything?

 

Thanks again

[dx100uk]

only that is was probably defaulted more than 6yrs ago

 

so the WHOLE account is removed paid or not.

on the defaults 6th birthday never to return

 

dx

[bristolred]

so in summary I ignore this letter?

 

Continue to pay stepchange for my dmp which includes 2 creditors?

[dx100uk]

in summary no..

 

you say CCS say you owe nowt

 

arrow say otherwise..

 

have you CCa requested the other two debts

 

blindly paying debts via DMP for soooooo long

you need to question the debts

 

as they would not have done

[rdm2006]

HSBC debt has probably jumped from 1500 (original overdraft) to 6000 via their charging regime. If the dmp shows a zero balance for hsbc its probably because HSBC sold it to arrow. you need to find out when the payments to hsbc stopped. if it was more than 6 years ago it's sorry arrow game over as the debt is statute barred.

[bristolred]

thank you all, I will now get a "prove it" letter out to arrow and see where it goes from there.

 

My feeling is that it is statute barred and they are chancing their arm

[Annie71]

I would talk to stepchange and get them to do what they are supposed to do. I assume you are still paying into your dmp.

 

At somepoint this has been sold to phoenix and now to arrow.

 

As for them not been the creditor absolute crap, there is case law that says otherwise but I dont know the name

 

Before you claim SByou need to be certain . A payment from stepchange would reset the clock