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    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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NCO Europe/Arrow Global/Vanquis chasing money


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hi all. How far have you got with this matter to date?

 

I have also been getting weird statement type things from Arrow (NCO) whoever they are.

 

Now I have a letter saying the agreement is terminated and right at the bottom it says....

please note a default has now been registered on your file.........

 

vanquis has not been on my file for the last couple of years now. I am confused as to what to do. I was thinking a SAR to Vanquis and a CCA to find proof of an original default? It seems odd it has never appeared on my file.

 

the debt is from 2013 and they did the same with me froze the account so It could be paid off. The default claim from Arrow seems odd..... kind of like an 'oh by the way ' comment stuck at the end of the letter......

 

Any help massively appreciated.

I have sent a sar request and cca from vanquis through resolver today

 

thanks

 

thanks 🤪

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stop using useless resolver!

 

sar goes to vanquis the original creditor

the CCa request goes to arrows  the debt owner.

nco are simply a trading name of arrows group.

 

when was the last time you paid anything.

what is the defaulted date registered against the debt on your credit file?

 

 

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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thats the thing, there has never been a default on my CF at all . I literally cannot remember making any payments.

 

Vanquis messed me around and it was eventually agreed at £2 a month (times were hard friends were few)..... however its since gone into the abyss and now arrow are telling me the agreement has ended.

 

Thats why i think i need the SAR as i need to see if Vanquis ever defaulted the debt before it went to arrow... surely they would have done before it was sold on ? so confused. I will send CCA request to Arrow.

 

I used resolver because it means i have a record of all contact etc . I forget so much and lose track with things...... used them a few times and got results so for me they have been ok......

 

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if you send letters by royal mail with free proof of posting from any PO counter then you have a record.

 

but yes ofcourse SAR vanquis, however it might be just as quick to go ring them and ask last payment date, and whilst there, get the defaulted date they registered too.

 

i'd hold the CCA to arrows as it might not be needed if the debt is statute barred.....

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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is there a way to stall them by sending a disist letter for example stating dispute?

thanks for you help ...

 

 also I want proof of everything in writing fro,m vanquis...been bitten before not getting the right paperwork.....

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no don't enter into pointless letter tennis.

 

go ring vanquis please get those Q's answered.

 

dx

 

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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Share on other sites

no point in doing anything until we know if the debt is sb'd. or not .

1 hour ago, dx100uk said:

go ring them and ask last payment date, and whilst there, get the defaulted date they registered too.

record your call.

 

dx

 

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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