Jump to content


  • Tweets

  • Posts

    • Ah I see what you mean. That is unfortunate, but guess there's little I can do then. Thanks very much for your help!
    • OK I sent CCA request on Monday 7/6 recorded delivery with a postal order uncrossed with £1 stating on the back that it didn't go towards any alleged debt.   Wednesday 9/6, received the postal order back from Arrow with a cover letter saying they no longer charge a fee and 'we will respond as soon as we can'   Then on Friday 11/6 morning a letter dated the 10th (they said if we didn't hear back from you by the 11th) I got a letter of claim from Drydens saying 'if you do not provide proposals to repay, legal action may be issued in the county court'.  Along with 'you have 30 days to respond'. Attached is a printout of an income and expenditure sheet.
    • Your attachment was viewable in your first post.   Does the issue you mention with the wallpaper/slight stain really constitute a breach ?  Is it significant enough ?   The wallpaper was probably applied before the wall was properly dry.  But the other possibility, is that the tenants did not open windows regularly to ventilate the room.  It is important for windows to be opened or put into a vent position on a regular basis, to ensure that moisture is allowed out.   If the tenant had clothes drying in the house, with baths/showers being used etc, this may have helped cause the wallpaper peeling  and the damp stain.   Today has been a lovely Summer day in many parts of the UK, so the tenants may not be as quick to respond.  Same issue with replies to this site, so you might get other responses later.   The tenant is unlikely to try to pursue you for the matress or health issue they say is caused by a damp issue.  Unlikely to have sufficient evidence and their own actions may be the cause.   They are most likely deciding whether to complete work in the garden or not.   You are within your rights to hold onto the deposit for now, until the reasonable request to return property to pre let condition is completed.    
    • Oh Yorky, I'm so sorry you're still having trouble with your dad's hospital.   I can't believe they are still being so awkward, I sometimes think they (companies in general, not just hospitals) forget that we put ourselves through this stress and worry not because we want to, or even because we have to, but because we want what's best for our loved ones.   Their advice for you to deliver the form in person is at odds with the advice on their own website stating that visits have been suspended due to Covid. I mean, I would understand if someone wanted you to drop off clothes for your dad, but a piece of paper? Which could end up anywhere? That's... crazy.   I don't know if the following link is worth a try or whether you've been down this road, but the hospital website has details of all the consultants Consultants | North Tees and Hartlepool NHS Foundation Trust WWW.NTH.NHS.UK If you want to find out details of our hospital consultants and contact information you can search for them in our A-Z. obviously you'll know your dad's consultant name, but the phone numbers on there, are they ward ones that you've tried before or do they look different?   That said, even if you are more successful with that, definitely still get PALS and as much senior management on board as you can with a formal complaint. You shouldn't have to go to such lengths to get hold of the right people and for the right information, especially at such a stressful time.   You point out that you remember you're doing this for your brother and your dad, which is the best approach. I'm sure they, in their own way, know that you are pushing yourself and pushing the hospital for an outcome as you are is because of them.   I know it's easy for someone on the internet to say "look after yourself", "do this to help with stress" etc, but if you do feel you need extra help with dealing with your stress/worry, please don't be afraid to seek help from a doctor yourself. A "well" you is the best sort of support for your dad and brother.   I wish I could offer more support and I'm sure that if anyone else of the CAG community has any other suggestions, I'm sure they will come here and let you know.  
    • Ok update.  I have spent the last week or two, trying to get help from the Staff Nurses and Matron, regarding the Consultant or someone to have my dads lack of capacity documented, either their own paperwork or me sending COP3. I   they have informed the consultant looking after my dad, who at this moment is sounding very ill, with medical issues on top of delirium and confusion, he is apparently having blood transfusion bag things. not eating and drinking. I have even spoken to the consultants secretary to explain the urgent matter and to have the consultant contact over the last few days WITHOUT SUCCESS, conversion ended today with its a legal form can I take it into hospital personally, er..I dont drive and Im in Northampton, Hospital is Stockton on Tees.    the nurses cant help need to speak to consultant!!!!!!! conversation ended with well I will complain to PALS, GMC secretary of Health or whoever......reply was looks like it then?   I have just compiled a 3 page letter [well e mail one] sent to PALS, I will follow up with a written one and to whoever else I can contact.   I need this medical form before I can do anything else with court or appointee   anyone have any ideas cos Im now at my gasping point, wondering why the hell am I taking on all this stress and worry, then I think of my younger brother, and that reminds me why I am doing it and doing it for.
  • Recommended Topics

  • Our picks

Arrow Global - alleged Monument Default


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 276 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello all,

 

Would appreciate some advice for my friend Ben.

 

He checked his Experian credit file in June 2020 and saw the following Default:

Arrow Global Limited

Credit/Store Card

Balance of £797.00

Account started 10/05/2001

Account Settled 01/12/2015

 

He emailed Experian for details as he didn’t recognise the account.

 

Experian responded saying that Arrow said "Account relates to a Monument Credit Card which the customer took out on 10/05/2001 and defaulted on 01/12/2015. Arrow Global purchased the account on 22/12/2014”.

 

Ben then emailed Arrow to request a CCA and all related documentation for the alleged debt.

They emailed each other back and forth a few times as Arrow asked for his DOB to proceed with communicating via email even though their auto response emails stated that they would respond to him via letter.

 

Arrow then asked him for a reference/account number even though he had explained he had no recollection of any account with them and only had the information provided by Experian so he wrote a stern email to the Complaints Department as he had become frustrated with the situation.

 

Arrow have now responded to this email 7 weeks later with the letter that I have attached to this message.

 

This letter states Ben has 3 accounts with them.

2 of these are not showing on any of his credit reports with Experian, Equifax or TransUnion so I presume they are statute barred.

They have very sneakily mentioned that Ben call into discuss these accounts.

 

The reason Ben needs advice is because in the letter attached,

Arrow have said they will be sending him a cheque for £75.00 for the distress and inconvenience they caused.

 

The letter is still asking him what CCA he is after even though he mentioned Monument in his emails to them

– they continue to cause distress and inconvenience, perhaps he could ask for a higher amount!

 

If Ben were to deposit this cheque into his bank account and claim the funds, would this mean he is accepting he owes the alleged debt for the Monument account?

 

I have told Ben to explain one last time that he wants the CCA and related documentation for the Monument account as he does not recognise it.

 

But I would rather get some expert advice for him regarding the cheque as it is a lot of money especially in this climate but obviously not worth it if it means that he compromises himself.

 

I hope I have explained the situation coherently and apologise for any rambling.

 

Thank you 

 

arrows letter.pdf

Link to post
Share on other sites

when did he last pay monument anything?

a DCA can't register a default

so the default would have been registered by monument upon sale of the debt or before.

 

does he recognise ANY of these debts?

 

to answer your last bit

cashing he cheque is not admittance to ANYTHING.

 

if the credit taken out resulting in these  debts has not been used/paid by him in 6yrs the debt(s) are statute barred and notging can unbar them, not even a judge.

 

more info on the monument debt please?

 

 

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... 

Link to post
Share on other sites

Many thanks for your prompt response

 

when did he last pay monument anything?

He has no idea at all 

 

a DCA can't register a default

so the default would have been registered by monument upon sale of the debt or before

The credit report only shows Arrow as a defaulted account, no mention of Monument.

Could Arrow have changed it to their name or if not, does this mean the date of default is before the date that the credit report shows under the Monument account which is 01/12/2015?

 

 does he recognise ANY of these debts?

He has vague recollections of the accounts and also mentioned being on a DMP of some kind some years back which may mean he paid towards the debts?

But he cannot remember!

However only the Monument one is on his credit reports.

 

to answer your last bit

cashing he cheque is not admittance to ANYTHING

Very good, he’s really happy to hear that!

However, should he need to take the issue to the FOS for whatever reason, will claiming the cheque affect his complaint with the FOS?

 

if the credit taken out resulting in these debts has not been used/paid by him in 6yrs the debt(s) are statute barred and notging can unbar them, not even a judge.

I had no idea about the judge not being able to unbar them - wow!

 

more info on the monument debt please?

He cannot remember anything, however:

 

Experian = Last updated 26/06/2016 with Balance £797.00

                                            26/05/2016 with Balance £807.00

                   (perhaps he made a payment via the DMP in 05/2016 resulting in the lower balance the following month)

 

Equifax = Last updated 15/06/2016 with Balance £797.00 and no other data

 

TransUnion = Last updated 21/08/2020 with Balance £807.00 and D for Defaulted since 05/2016

 

All quite confusing

 

Many thanks again

Link to post
Share on other sites

when a debt buyer buys a debt, their name replaces that of the original creditor on credit files

 

a debt buyer cannot change the defaulted date 

 

once a debt is defaulted it starts a 6yrs clock running which removes the whole account when the defaulted date reaches it's 6th birthday.

 

that doesn't mean the debt is still not p'haps owed, but certainly means it can never comeback on a credit file.

 

i'd get your mate to get in contact with whomever he had the DMP with and send them an sar 

get all the details of everything

then we can plan a way forward.

 

not sure why you keep think cashing a check is admittance or a problem to anyone.

 

in the meantime

dont use email

dont ever speak about debt on the phone

dont enter into any pointless letter tennis.

 

 

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... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...