Arrows Claimmform - for britannia recoveries loan 'debt'

[loneranger21]

In the past I had problems with repayments and went to a DMC who let me down so I handled things myself.

 

Pure Joy

 

I asked for the agreements and took the route if thy didn't have an agreement then it was not enforceable.

 

I have repaired my credit to a good score and my credit file is clean

all dropped off but

 

in April 2013 had a letter from Arrow Global were acting for Britannica who in turn has now engaged Cabot.

 

I have no knowledge of the reference number thay have given and the amount does not ring a bell.

 

I have ignored their letters as they were on the 6 monthly cycle.

They kept calling but I refused to acknowledge who I was etc.

 

They have now passed the file to FIRE (financial investigations and recoveries Europe Ltd.

 

I had three hate mails on the same day all same date three envelopes and each saying different.

 

I do not recognise as I have said any of the reference numbers given I have checked all my paperwork and don't know what they are on about.

 

My question is

 

should I send a letter stating I don't acknowledge. or should I ignore.

 

I haven't had any problems from any company who didn't have an agreement.

 

Can you point right direction please

[Bazooka Boo]

IMO I'd ignore them.

If your credit file is clean then don't respond, when they ring laugh and hang up.

Report them to Ofcom and the OFT.

[dx100uk]

how long ago did you stop paying

 

all those you list are all the same company.

 

dx

[sequenci]

Hello there,

 

How old is the debt?

[loneranger21]

Hi

 

 

This is part of the problem.

 

I can at least say I have not made any payments to a company I don't know since Feb 2009.

 

I wrote to all the companies asking for an agreement.

 

There were 2 companies I continued to pay and no others.

 

I think they have either bought a job lot or they are coming up to 6 years and are having a final push.

 

My only concern is if they roger my credit file that has taken me so long to repair. I would be gutted.

 

I have taken High interest C Card to gain good rating and feel I am being pushed into a reply .

 

It may be a case of me not seeing the wood for the trees

but I am so protective of my credit file now.

 

I just need an outside opinion but in answer to your question I haven't paid for at least 5 yrs

[Stigman]

who in turn has now engaged Cabot.

 

They have now passed the file to FIRE (financial investigations and recoveries Europe Ltd.

 

Fire are Cabot, same office, same floor, same computer systems, same mailing room.

 

Stigman

[citizenB]

Is there anything on your credit file that you can marry up with the amounts being claimed or has everything dropped off your credit file ?

 

As a lot of creditors tend not to record default dates for up to 6 months after they have issued a default notice, then could it be that this debt is statute barred ?

[loneranger21]

I joined check my file and have only recently stopped when the last default dropped off so there is nothing on there.

 

I am able to obtain credit so I am happy with that.

 

I will never over commit myself again and that is why I am hacked off

 

Sorry for ranting

 

I truly cannot recognise this.

 

That's not to say it wasn't one I missed

 

however as I said I wrote to each company asking for copy of agreement

 

They change the ref numbers all the time

 

so unless I write and say whats it for

 

I have no idea hence my question

 

shall I just ignore them until they get stronger or give up.

 

Don't get me wrong I can write a filthy reply and hold my own but is that the way.

[zydeco]

Fire are Cabot, same office, same floor, same computer systems, same mailing room.

and same guy in a different skirt.

Also they love putting their own reference numbers on accounts so you have to call them to find out what it's about. Until they can come up with something more concrete than 'you owe us money' ignore

[loneranger21]

Cabot started calling my home asking for me.

 

I wasn't there and hubby wouldn't give them any details it was a case of who are you reply cant say..

 

.why are you calling .reply its a personal call etc.

 

constant calls so we now don't answer when we see their number,

 

They then wrote several times saying I owe in the region of £4k,

 

They then passed it on to another company who wrote and I ignored and now it has gone to a firm called Marlins,

 

A few years ago Feb 2009 due to being let down by a DMC

I wrote for copies of agreements to various companies as I had problems

however those that gave valid agreements I made arrangements to pay no probs

but those who didn't or refused to send didn't get paid and I followed the procedure of account in dispute

 

I am now clear built my rating back up and these people are threatening to advise their client to instigate legal proceedings

either by attatchment to earnings CCJ or other ways.

 

Now my point is I cannot tie this alleged debt to any company.

 

All those that should have been paid were and the others could not chase due to account in dispute.

 

Should I answer this letter or keep ignoring.

 

any views please and thanks for reading

Edited May 3, 2014 by honeybee13

[Bazooka Boo]

How many letters have you had from these clowns?

 

Marlins are part of Cabrot, so a letter of complaint to the FCA regarding the use of various names in an attempt to exploit a debtors lack of knowledge wouldn't go amiss.

 

Does this appear anywhere on your credit file? Or is it clear?

[loneranger21]

I have had 1 from Marlins and numerous from FIRE and tel calls and also Cabot

 

They are a pain.

 

The problem is you never know who the original debt was with

and its hard to trace but I do know I addressed those with valid agreements

and wrote the appropriate letters to those who didn't.

 

This has come out of the blue after three years of nothing

 

which leads me to believe that Cabot bought a debt

 

which shouldn't have been sold which is their bad luck

[Stigman]

and numerous from FIRE and tel calls and also Cabot

 

FIRE is Cabot.

 

Same office, same staff and FIRE's website has been down (the message says for essential maintenance) for nearly a week but asks debtors to call them instead!

 

Stigman

[renegadeimp]

Send them a prove it letter and be done with it. Cabot and the rest of its companies operate on threats and intimidation.

[loneranger21]

Cabot started calling then FIRE then MArlins now letter from Mortimer Clarke Solicitors.

Are they linked in house to CAbot Does anyone know plase

[fkofilee]

Yes, Marlins were bought by Cabot... Also Mortimer Clarke ARE Marlins.

Channel 4 did a documentary on these guys a few years back and it was so much fun to watch them squirm.

 

Can we have more info on the debt?

[loneranger21]

The problem is I don't know what its for.

 

Approx 5 to 6 yrs ago I had problems.

 

I wrote for agreements and those that did not have one I dealt with accordingly.

 

those with agreement I came to an arrangement.

 

None of the reference numbers they quote mean anything neither does the amount.

 

I took the route no agreement no payment and all has gone well since about 2008 until this cabot started calling out of the blue.

 

I have not acknowledged them answered them as I dealt with the relevant companies years ago so I don't know what the debt was for

[fkofilee]

WE need more info about the debt on this one... Please give us all the info you can.

[loneranger21]

Hi

I am unable to give you any information as I really don't know what it is other than they say I owe money. I cannot check reference numbers I just haven't got a clue Every time they change company they change the ref number. They say Britannia are the client but I have not had dealings with them

[renegadeimp]

If you dont know anything about the debt, send the prove it letter. The onus is on them to prove a debt exists. Not for you to prove it doesnt. Cabot rarely chases enforceable debts and prefers to focus on UE ones. Thats not to say that the debt they hold isnt enforceable. But you need to put the pressure on them to prove it.

[dx100uk]

go get your credit file

that will tell you the debt with them.

 

I pers wouldn't be sending them anything till you get your ducks in line

 

dx

[loneranger21]

I have now had laimform

 

Marlins have stated they have started legal proceedings.

 

Rang the Business Centre to confirm case registered.

 

Rang MArlins to ask what they were talking about

 

still don't recognise the alleged debt.

 

They said (yts worker) That I had a loan from Britannia recoveries in 2005 ended 2006.

 

I said "did I ?"

Yes came the reply

 

"well where is the agreement,

evidence,

accountnumber etc"

 

HAvent got it came the reply.

 

"So how do you know I owe anything because I don't?"

 

Because Cabot have said so he replied.

 

I have a court summons for a loan with no paperwork,

no amount,

no company,

no agreement and

no knowledge.

 

Also there is no entry and never has been for the last 7 years on my file relating to this.

 

 

I BEG FIRMS TO REMEMBER WHEN EMPLOYING THE YTS THAT IT MEANS YOUTH TRAINING SCHEM NOT YOUNG THICK AND STUPID.

 

Oh yes and Marlins do not know when someone senior will be in there is no rota no houre and last of all NO RUDDY SENSE

[renegadeimp]

You need to stay off the phone. Especially when court papers have been issued. They will say and do anything to get you to pay.

[dx100uk]

please fill this in and post the results here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

[The GodMother]

Thank you very much for you Yts comments. I have had several YTS/idiots call me with similar comments. I normally just laugh at them.