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Default date seems wrong Egg card with Arrow

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Hi all,


I would appreciate some help with a default date.


I took out an Egg credit card on 10/01/2005.

I missed payments and eventually it defaulted but I do not remember when.

But, my credit file says it defaulted on 02/11/2015 and it says it’s Arrow Global now.

I contacted Arrow to enquire about the default date because I don’t remember having the card for as long as 11 years.

Arrow say they purchased the account on 21/12/2014.


I also put in a CCA request with Arrow but they say they have no documents from the original creditor i.e. Egg and nothing themselves.

I've asked for a notice of assignment which apparently is on its way to me since the last month or so and apparently I made a payment of £10 on 7th April 2016 but I don't remember this so I've checked my bank accounts and nothing left my bank accounts on or near this date.


So strange, something isn't right.


I am also confused how the default date can be after the purchase date as from what I understand, Egg would have had to default the account before a DCA could purchase it?

Or am I wrong?!


Would appreciate any advice and information!


Thanks, Jdip

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typically thats the way yes 99% of OC's default accounts on or before sale.

send EGG an SAR.

probably be the Canadian Square address (CITI Group) or it could have been one sold to Barclaycard.


you say this dates from 2005 so thats the reason why no CCAcan ever be had, bit rare for that era for egg.

ignoring the random poss phantom payment in 2016, before that, when did you last pay or use the card?


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... 

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