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    • Thank you dx.   Will I not be sent to a credit agency or affect my credit score?   Thanks so much for your help.
    • I never have to be honest. Their recent discounts are way off what they were before. Used to be 75% off and such.   ill CCa them tomorrow
    • Ah no DX apologies.   its never defaulted. We had a an agreement in place whereby they didn’t default the account so every statement that came through had the interest frozen and I was just chipping away at it.   which is why this doesn’t make sense. Surely it has to default before they sell it? I’m totally ruined if this Company now applies a default .
    • name the issuing court: Airdrie Sheriff Court   Who Is The Claimant: Arrow Global Limited   Who Are the Solicitors: Shoosmiths LLP   What type of action? (Simple/Ordinary): Ordinary   What is the claim for – The Pursuers are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement between the pursuers and hbos plc dated 28/02/2017, the pursuer acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the defenders to the original owner which were in existence as at the date of the agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the defender by way of a written notice on or around 28/02/2017.   The said contract between the Original Owner and the defender is a regulated credit agreement in terms of Section 189 of the consumer credit act 1974. It is dated 21/01/2008 and relates to a personal loan agreement with account number XXXX. It was a term of said agreement that a failure to meet any instalment on a due date would render the account in default and would entitle the pursuer to serve notice of default on the defender requiring the defender to remedy the breach within 14 days which failing the agreement would be terminated.   date of raised claim :- ?   Last Date Of Service:- ?   Last Date For Response:- 7/11/19?   What Documents are listed in Box E2: a copy of the credit agreement statements of account and notice of assignation will be produced in any defended process to follow hereon.   Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- personal loan     BOX D5 what has the claimant stated: make payment of the sums sued for …..   from your knowledge: answer the following:   When did you enter into the original agreement before or after 2007? 2008   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.:- debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment?    Did you receive a Default Notice from the original creditor? believe so   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unsure   When was you last payment:- 11/2016   Why did you cease payments:- 11/2016   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes dmp til 11/2016
    • PRA have purchased the debt 
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Jedicris

Neighbours Letter from BPO Collections

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My neighbour, who has literacy problems, has asked me to help him in regard to a letter from BPO Collections.

 

The letter states that they are offering him the opportunity to "save" 50% on his Lowell account which is for an alleged debt to O2 (UK).

 

He denies any knowledge of this debt.

 

Am I right in thinking that the first course of action should be a standard prove it letter?

 

Thanks for any help.


REMEMBER! Hunger is the enemy - NOT the hungry!

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And he has never owned a mobile or had any contract for mobile usage ?

 

Andy


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Only his present one which is with vodaphone.


REMEMBER! Hunger is the enemy - NOT the hungry!

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Check his credit file


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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OK, will do, when I can get hold of him later.


REMEMBER! Hunger is the enemy - NOT the hungry!

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The plot thickens.

 

Just got hold of him and checked his credit file (which he had never done).

 

His current phone contract is with O2 not Vodaphone as he thought.  The contract was taken out in July 2018 and is up to date, No arrears.

 

No other phone contracts listed.

No defaults registered

Greens all the way.

 

Thanks.


REMEMBER! Hunger is the enemy - NOT the hungry!

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i'd prob ignore them then

unless he gets a letter of claim.

sounds like a like name phishing attempt.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks for that.  I thought it sounded fishy with them offering a 50% discount.


REMEMBER! Hunger is the enemy - NOT the hungry!

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