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    • Yes I wish I had been in a position to help a few years ago but better late than never... Thanks for the updates.   PPI charged is 'No' across all months, so not relevant I assume.   There are no fees on the first detailed statement in Feb 2002, only interest (applied) charges. Is it worth pursuing this, or should I just take it in good faith that there wasn't any fees?   There are a late payment fees in September 2002 and May 2003 however both were refunded (we assume on appeal?). I assume these should not be included on the sheet. The first non refunded is May 2005.   Regarding interest rates. There are a few 'notice of default sums' letters from 2009 included they have an interest rate of 8.510% in the March 2019 and slightly lower rate of 8.010% for June, September and October. The letter states: "we are not entitled to charge you interest for the first 28 days. However, if the sums are not paid in full by that date interested will be charged at a rate of 8.010%. Since this interest rate is a variable rate, the rate which we will apply to the default sum once the 28 days have passed may be different." The interest rate of default sums from the back of the CCA is 13.9% PA. Which percentage should I use in the spreadsheet?    
    • god this blokes a piece of work... and now has to resort to dodgy car dealing... oh how things have changed for him....just to continue his like of extortion..   dx  
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Arrow Global and loan with Citifinance from 2008


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Hello

Im new to the site and want to know where to post a problem Im having with Arrow Global

(original loan with Citifinance in 2008)

 

who are playing around regarding my requests for the original signed loan agreement.

 

(They are saying they dont have to provide it to me?)

 

Where would I post this please? :???:

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Hi

Yes of course :)

I took out a loan with Citifinance in 2008 and my last payment to them was in 2011. ( thought I had settled this).

 

Out of the blue in 2013 I received a letter from Arrow Global saying that the account had been purchased by themselves

and the title of the letter was *Notice of Assignment*.

At that point there was no request for any payment and their letter did not include a figure.

 

In Feb 2014 they wrote to me again stating I owed £1200 and sent a notice of arrears letter.

I did not contact them and they didnt send me any further letters.

 

In Feb 2015, a company called Allied International contacted me by letter

saying they were reviewing my file and would let me settle the debt for £905.

I did not respond to this (as I said earlier, I was not aware of any outstanding debt).

 

On 3rd Feb 2016 DrydensFairfax solicitors contacted me by letter stating

they had been instructed by Arrow Global to act on their behalf to recover the outstanding debt.

 

I contacted this company, stating I knew nothing abut the debt and wanted an original copy of the original agreement.

They said that they couldnt send this and would put it on hold and speak to Arrow.

I did not hear anything back from anybody regarding this.

 

I sent a SAR to Arrow and they have responded today sending a load of bumf

(which mainly refers to their searches on me from credit reference agencies!)

and a load of print outs which make no sense to me whatsoever

as there are no headings on the columns or dates etc.

(I had originally asked them for a copy of the original signed agreement with Citifinance

and also a statement of my accoount showing payments made, charges and interest accrued with a running balance).

 

They have not provided the signed agreement and their response said

This is not personal data which we process in your case.

You may be entitled to a copy of this documentation if you made a request under the Consumer Credit Act 1974 *

- (Which I did!)

 

Im wondering where I go with this now.

Do I make a complaint to the FOS or whoever?

Or do I send them a second SAR request?

 

Many thanks. :)

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Thread moved to the appropriate forum.

 

Andy

We could do with some help from you.

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If you have sent a cca request and they havent supplied one then they cant begin court action, or would have a difficult time proving a debt existed

 

That said, if the loan was taken out in 2008 then they could produce a reconstituted agreement to satisfy the request

 

No pojnt sending s 2nd sar, however there is a template in the library if you think the info they have supplied is incomplete.

 

You could sar citifinancial?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Thanks. I figured the SAR would include the CCA as well but obviously not. It was a SAR I sent , not a CCA so will get that sent off tomorrow. :) I think that Citifinancial no longer exist ?

Can you please send me a link to where this post has been moved to? Thanks. :)

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Debt Collection Agencies...where you are now

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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Citifinancial exist, they just dont do loans no more

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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It is interesting that they offered you a reduction -they wouldn't do that if they though they could get the whole amount by going to Court.

Write back and tell them that you do not owe them or City financial any money and they have provided no proof that you do owe anything. And until they can provide more than a letter that there is a debt owed, you will not respond to any further letters.

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It is interesting that they offered you a reduction -they wouldn't do that if they though they could get the whole amount by going to Court.

Write back and tell them that you do not owe them or City financial any money and they have provided no proof that you do owe anything. And until they can provide more than a letter that there is a debt owed, you will not respond to any further letters.

 

Thank you. I will do that . Im going to send a CCA off first as i want to see my original agreement (I sent a SAR off and have only just learnt from this site that is the reason they didnt send me the credit agreement). :) If they are unable to provide the credit agreement does this mean they cannot go ahead with any legal action?

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They cannot enforce a defended claim in court without it.

They can and do issue claims to old addresses in an attempt to obtain a backdoor rubberstamped undefended ccj.

It would make sense to inform all involved parties of your new address in writing to alleviate this possibility in future should they try the underhanded.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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CCA request to Arrows

SAR to citi.

 

 

get all the statements

bet theres PPI kicking around.

 

 

have you checked your credit file?

does this 'debt' show?

 

 

dx

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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  • 2 months later...

Hi

Sorry, just a follow up to this.

 

 

Arrow Global have written to me to confirm they cannot trace the original loan agreement or statements

and therefore they will not be taking any action until this can be resolved (Fingers crossed I dont hear from them again!).

 

 

However, there are 2 defaults regarding this alleged debt on my credit reference report with Experian .

 

 

One from Arrow Global and one from Citifinance.

 

 

Default dates on both are different.

 

 

Ive contacted Experian to state that I feel these should be removed as they are in dispute and the companies cannot provide evidence I owe any money.

 

 

They are contacting both companies and have, in the meantime, added a notice of correction to my report.

 

 

Just thought others would like to know in case they are having a similar problem with disputed debts :)

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no CCA does not mean removal of stuff from CRA file

all exp will do is remove the NOC in a month or to saying nowt they can do

 

 

you say the defaulted dates are diff?

 

 

or is it just an updated date by the DCA

check the debt summary.

the DCA date should mirror the OC

they cant change it

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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Share on other sites
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