Moorcroft / Arrow Global Halifax Pers Loan

[BrettRogersUK]

Hi Everyone,

 

I wonder if anyone could help me.

 

 

I've received a letter from Moorcroft Group regarding a debt bought by Arrow Global.

To my knowledge I haven't paid anything towards the debt.

 

 

The original loan was taken out in 2006-2007. I

got made redundant from my job in 2008 and stopped making payments

because I couldn't afford to be making payments.

 

 

I couldn't even get any assistance (job seekers allowance) because I was married

and my wife was the only one working and she was working too many hours to get any help.

 

Now here we are in 2016

I'm now receiving letters about this debt.

I responded to them via email stating that in no circumstances am I acknowledging this debt

as I believed it was now statute barred.

 

 

They have replied stating that Arrow Global have informed them that a payment was made in 2011

but I have been through my records and cannot find anything regarding this payment.

 

 

I have sent them another email stating that I want to see physical proof of where the payment came from

and that I still do not acknowledge the debt and will not do so until I receive the documents.

 

My next question is this.

Would the emails I've sent count as a communication

and therefore restart the clock on the 6 year limit

even though I have said that I do not acknowledge nor take any responsibility of the debt

until I get original documents showing when the payment was made etc.

 

Any help or advice would be appreciated.

 

Kindest Regards,

 

Brett Rogers

[havinastella]

Hi and welcome to CAG.

 

In answer to your question, NO, the emails do not count as communication.

 

Gotta love the 2011 phantom payment

[dx100uk]

whats the debt and name names please

[Bazooka Boo]

Bless their corrupt little socks, for their attempt to defraud you, you can report them to the FCA.

 

The phantom payment con, when will they ever learn!

[BrettRogersUK]

whats the debt and name names please

its a Halifax Personal Loan that was taken out around 2006-2007 if I remember rightly. The supposed payment was alledgedly made to a company called Fredrickson. I have no knowledge of this payment or the said company.

Edited June 3, 2016 by BrettRogersUK

[dx100uk]

is it on your credit file

and defaulted

[BrettRogersUK]

is it on your credit file

and defaulted

 

I've been through my credit file from all three credit companies and it is not showing on any of them at all which is why I was surprised when I received the initial letter April this year.

[BrettRogersUK]

Hi and welcome to CAG.

 

In answer to your question, NO, the emails do not count as communication.

 

Gotta love the 2011 phantom payment

 

Thanks for the welcome Havinastella.

[dx100uk]

freds are part of the same group.

 

pers i'd ignore them until/unless they issue a claimform.

 

 

dx

[Bazooka Boo]

Well UNTIL they can provide strict physical proof that you have made this phantom payment, I would simply ignore the little darlings, and register complaints against them with the FCO, alternatively you 'could' bait them and write them a short sentence?

 

Dear Bill&Ben,

 

Thank you for your recent correspondence, the contents of which have been noted.

 

I am curious to know about this phantom payment you claim has been made.

 

As such, I look forward to your written evidence containing such information as to who, where, when and how this payment was made, and by what means.

Failing which I look forward to your apology and confirmation that this is an 'admin error' on your part and that you have closed my files.

 

Should you continue down this line of harassment, I will report you to the relevant authorities.

[BrettRogersUK]

Well UNTIL they can provide strict physical proof that you have made this phantom payment, I would simply ignore the little darlings, and register complaints against them with the FCO, alternatively you 'could' bait them and write them a short sentence?

 

Dear Bill&Ben,

 

Thank you for your recent correspondence, the contents of which have been noted.

 

I am curious to know about this phantom payment you claim has been made.

 

As such, I look forward to your written evidence containing such information as to who, where, when and how this payment was made, and by what means.

Failing which I look forward to your apology and confirmation that this is an 'admin error' on your part and that you have closed my files.

 

Should you continue down this line of harassment, I will report you to the relevant authorities.

 

Thanks. I will do.

[Bazooka Boo]

Edit to suit.