dorethy perkins card - defaulted - now arc chasing for Arrows.

[Beetles22]

Hi Guys

 

First post here, hoping someone can help or point me in the right direction.

 

I've had a voicemail on my home phone everyday for the past few weeks asking me to call ARC. I googled them and found the are a debt recovery company.

 

I then decided to obtain a copy of my credit report from Equifax.

 

I appear to have a default on my credit report from a company called Arrow Global.

 

I can only think that this is for a very old Dorothy Perkins/Santander storecard.

The default was for a balance of £440 and was set in 2012.

 

I can't remember the last time I saw a statement for this storecard, or made a payment but it has been a very long time.

I have no information about this account at home.

 

Of course, this is my debt and I will clear it but I would like the default removed from my credit report.

I've read some reviews re ARC, and the sound horrendous to deal with.

Can I go direct to Arrow?

 

I've read on lots of forums 'do not admit to this debt' especially if it's an old one.

 

So is there any way I find out information about this Dorothy Perkins account without admitting to the debt?

 

Is there much chance that if I set up a payment plan that the default will be removed when the balance is closed?

 

I'm finding this all very confusing, and I hope this message makes sense!

 

I appreciate any help or advice.

 

Best,

S

[dx100uk]

i'd be getting all the info first.

 

an sar to Santander might be the answer to that

 

as for the default

 

I doubt very much

unless the default is solely because of PENALTY fees

that you'll get it removed.

 

dx

[Beetles22]

Thanks v much for getting back to me.

 

Apologies for sounding dim...

 

What's a SAR, where do I get it and what do I do with it?

 

Thanks again.

S

[Beetles22]

I just realised there was a link to a SAR. Is it possible to send one if I don't have any information on the account - account no. etc?

[dx100uk]

it about you not any account

 

have you moved since you took the card out?

 

dx

[Beetles22]

Ah right.

 

Yes I have moved twice since I got the storecard in 2003?

[dx100uk]

sign the sar place old addresses within it + £10 PO

and inc a copy of your current CTAX bill for ID.

 

was this poss a storecard that was latterly turned into a credit card par chance?

 

dx