Arrow Global Vanquis

[adam1992 0]

I have had a long term agreement (via CAB) with Vanquis whereby they froze my card and allowed me to pay off a sum each month to tackle the debt, without interest.

I've since this month have had a letter from them & Arrow Global stating a notice of assingment.

(Think the account began in 2014)

 

The account has been sold to Arrow and payments should be made to Arrow. 

 

I've check (MSE/Karma/ClearScore) and it's completely gone (the account) but understand that it may reappear.

I've had no default or default notice that I'm aware.

 

I'm a bit confused whether I continue my agreement (as they will pass the payment on as it's set up) or get in touch. 

[dx100uk 9,689]

so vanquis have sold the debt to arrows.

 

probably from before 2014 

and defaulted? soon after?

hence its now gone as the default reached 6yrs?

 

send them a CCA request.

 

 

[adam1992 0]

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 .

[dx100uk 9,689]

it would need to be defaulted and vanquis issue a default notice for court action.

 

why would a default ruin you?
 

 

 

[dx100uk 9,689]

open

[adam1992 0]

CCA request is just waiting to be printed.

I’m a little confused who owns the debt I’ve just had a statement that runs the past October - March. (Letter is dated may)

 

ive been paying £10 a month still to Vanquis.

These payments are listed here as I’ve not been paying arrow.

But where have the April/may payments gone?

They aren’t there. 
 

It’s a very weird letter as bar an account number it looks more like a bank statement and didn’t refer to what it was related to (account wise).

It has card holder name, credit limit (£0)

ive never seen a debt chasing letter like this.

Well it’s not even a letter

 

States your account is currently managed by NCO resolve on behalf of Arrow.

Who do I send a request too?

[London1971 1,106]

What does it say on your credit file?

[dx100uk 9,689]

probably a statement from arrows i suspect..

 

are they chasing?

if not i'd sit on your hands.

and continue your payments.

 

 

 

[adam1992 0]

On 13/06/2020 at 17:16, London1971 said:

What does it say on your credit file?

 

So it doesn't show upon ClearScore, Doesn't Show Up on MSE, Doesn't Show Up On Credit Karma as this was what confused me initially when i started the thread, it's just gone. 

 

On 13/06/2020 at 17:45, dx100uk said:

probably a statement from arrows i suspect..

 

are they chasing?

if not i'd sit on your hands.

and continue tour payments.

 

 

 

Still send the CCA or just leave it as it is?

[dx100uk 9,689]

Bet the debt was defaulted when they sold the debt.

 

sar mbna

[adam1992 0]

 Not Vanquis? (Card's not MBNA)

 

I should of been notified about a default surely? I've certainly not had any letter notifying me of that, and it's been a good while

[dx100uk 9,689]

teach me to working on an MBNA case at the same time..

 

[adam1992 0]

 

 

sorry DX to be a pain. But just sar? Or CCA too?

[dx100uk 9,689]

sar vanquis cease payments for now

let arrows sweat a bit.

 

was your credit file shot when you took this out?

 

dx

 

 

[adam1992 0]

Honestly I don't remember, there would of been defaults around that time if not before, and student overdrafts owed and such. I'll SAR them

 

DX in addition to the above - looking for the template do i sign the SAR request and is it free now or still £10?

 

[London1971 1,106]

Hi,

 

SAR is now free under GDPR. Yup sign the SAR.

Its also possible they will come back to you asking for ID. That’s also perfectly normal and nothing to worry about.

 

The CCA is the one you don’t sign.

[adam1992 0]

Thanks I'm sending tomorrow 

[dx100uk 9,689]

If you read all the posts in the sar link..you'd have no need to ask these questions....

[adam1992 0]

Sorry for that
 

ive sent it off just waiting  For reply now

[adam1992 0]

Hello.

 

I’ve had a reply to my SAR from Vanquis asking for proof of identity to clarify

- they enquired if can reconfirm the account number, dob and proof of address

(I have changed since it was at my parents house for a while).

 

They’ve also provided me with their GDPR email to reply too.

 

Is there anything preventing me sending something over email for the SAR or should I continue with paper?

I don’t have access to a printer is all and I’m not sure what documents I may have bar a bank statement to proof my address. 

[dx100uk 9,689]

did you not read all the posts of the SAR link before you sent it?

 

dx

 

[adam1992 0]

Hi DX

I did but assumed because the DCA had contacted me here and I was on the electoral roll the OC wouldn't have an issue.

That was incorrect of me and I should of been more attentive.

 

Our tax bill gets dealt with by my partner,  I've never seen it sent to me. 

I will send a bank statement I guess if that will work and update when I receive 

[dx100uk 9,689]

a bank statement alone sadly will not be enough,

what official gov't establishment doc like passport or driving licence, benefit etc might you have?

[adam1992 0]

Thanks DX

I managed to get something to confirm and I have the docs today. 

 

I have a statement CCA, digital application

I’ve attached CCA

 

 

 

 

[dx100uk 9,689]

ive removed your upload

we don't need that being copied by arrows do we.

 

you need to look at the comms log

and find when vanquis issued a default notice.

 

dx