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Orchid47

old debenhams Store Card - Arrow marked my Credit File

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Just discovered that Arrow have marked my credit file in 2016 when I stopped paying my £1 contribution that I had been making since 2010

Can I do anything to remove this?

 

Arrow notified me of a transfer of this debt in March 2016 to Restons

 

Ive never done a SAR on it, is it all too late now?

 

Thank you

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they can mark it bit not default you

did the OC not already do this upon sale?


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Yes sorry, its Arrow that have registered it on my CF, not Ratoons

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didn't say either

who was the OC

a dca cant register defaults neither can a sols.

dx


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It was a Debenhams Store Card - that at some point became Santander owned, but my Credit File definitely says Arrow have registered the default on it

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no - I would suspect that you were paying satans bank and they sold it on with the £! arrangement in place

 

when that happens the debt buyers name replaces that of the OC on your file.

 

so whats the defaulted date

and did you get NOA's sent for the sale?


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Im afraid I didn't get a Default Letter that I can recall, but the default would have been in 2010, I cant find a Notice of Sale to Arrow

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what do you mean the default would have been 2010?

 

if so the debt should not even be showing now.

 

whats the date of the default ?

you said arrows have marked you file?

what the calendar section?

or a new defaulted date?

 

WHAT has troubled you?


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I thought you meant when was the original default when it started.

It was 2010 when I couldn't maintain my monthly payments,

but this was when I set up the £1 a month contribution.

These stopped in January 2016.

 

Ive not had anyone register this on my Credit File before so when I discovered it I was shocked to see it down as Arrow

who have registered it because they are the DCA I thought

 

It does say that there have been no updates from Arrow since they registered it over a year and a half ago

 

Does it just stay there for another four and a half years?

Can they take this to Court?

Do I just forget about it?

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send satans bank an sar get all the account details

prove its not already been defaulted

 

 

have you moved since you took this out?

if so are/were the OC aware of your correct address?


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Sorry, only just seen this question

No, not moved

I have read though that logging a debt on a customers credit reports is unlawful. Is this right?

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Please can you tell me the difference between Arrow Global and Moorcroft?

 

I thought they were both DCA's

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No not sure what site you're reading


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Was just searching on the internet and saw it. I take it that's its not true then :(

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AFAIK, Arrow Global buy debts, and Moorcr@p don't, they are the tame gophers.

 

Why what's the story?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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yep what the story please

 

 

dx


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Just received a letter to say that Arrow have asked Moorcroft to act as collection agent and that Moorcroft will now be dealing with my account!!

 

Why would they do this if they are both DCA's unless one has sold the debt to the other?

 

Ive received nothing else?

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No moorcroft chase for their clients...arrows.

They don't buy debts

Safe to ignore


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I can see you have merged these two questions but they are not connected, just so you know

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sorry differing accounts?


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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if you were paying £1 a month then the debt is still live and wont fall off your credit file until 6 years have passed since the date you stopped paying this sum

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