Arrow defaulting a vanquis debt

[dz11]

Hi there

 

I was on an arrangement with vanquis for a number of years paying something like 5.00 per month . Recently I noticed they sold the debt to company called arrow.

 

I haven't paid this debt in a long time. I now notice arrow have now placed a default against me.

 

When I was on an arrangement with vanquis all interest and use of the card was stopped.

 

Should this account not have been defaulted back when this arrangement was set up? 

 

the default is for 109 pound which in the grand scheme of things is not alot but just looking for any advise on how I approach this?

[dx100uk]

Arrows can mark the calendar section but cant issue a default notice nor change the defaulted date vanquis did or should have registered before or upon sale.

 

did you get a default notice from vanquis years ago?

why not send them an sar and find out?

 

when was your last payment and have you moved since taking this card out and not informed vanquis?

 

Dx

[dz11]

I am not sure if they issued me a default notice, is there a sar template that you would recommend sending.  I have moved address since take the card out but did update this with vanquis at the time.  I can't be too sure but I think last payment may have been 2019

[dx100uk]

Click sar

is there a defaulted date registered on your credit file? and when did you get the notice of assignment from arrows

 

dX

[dz11]

I've noticed that the default date is Feb 2021. I was notified around October 2020 that arrow had taken over the debt

[dx100uk]

well somethings not right a debt buyer can't register a defaulted date they are not a creditor and the agreement under the CCA would have been terminated upon sale by vanquis.

 

there should or used to be a summary line showing the status of an account on credit files, name of who owns the debt, the date you took it out, outstanding balance and a defaulted date dd/mm/yyyy, but with all the changes with these free providers of your file now, it seems they don't display these correctly.

 

i would suspect if you pay the £2 for a paper version of your credit file from one of the main orgs like Experian, Equifax or the other one, that might clear things up.

 

 

 

[dz11]

Just sign up on equifax and arrow have the default date at 22/02/2021 . So going by this it looks like arrow have issued the default 

 

What would you recommend doing at this point to remove the default.  Would it be easier to just clear the payment 

[dx100uk]

so you now have a line on the debt summary page that says ....Date defaulted = 22/02/21?

 

you can't remove a default, it's there for 6yrs paying or not or paid or not.

 

did you get that sar running

[dz11]

No not yet but as u say if they are not the original creditors then how can they register the default . 

 

I will send a sar tomorrow.  U recommend doing it by letter?

[dx100uk]

yes 1st class letter only and get free proof of posting from any PO counter to prove you sent it

 

so as i explained carefully above.... no registered default, just a D in the calendar, which only you and the debt owner can see not people doing a credit check.

[dz11]

Just received sar today . What should I be looking for 

[dx100uk]

issuance of a default notice in the account/operators notes.

dx

[dz11]

Had a look there is numerous notice of default letters stating payment is needed by a certain date etc 

[dx100uk]

scan one up to PDF read upload carefully

[dx100uk]

please don't use hosting sites that report as phishing dangers. i suggest you use 360 total security and scan your device

 

This site has been reported as phishing website. Exchanging sensitive or confidential information with this site could put you at risk of identity theft and/or financial fraud. We strongly discourage visiting this page.

You are visiting: https://ibb.co/mFfwfPS

 

use the choose file link at the bottom of our msg boxes and upload it.

 

[dz11]

Here's the letter sorry for the delay

20210706-155707-converted.pdf

[dx100uk]

thats not the default notice 

thats the cover letter for one, 

so scan that up as well and can you just redact your pers details / ref no but leave dates £'s etc its the format/layout of the DN thats important too

[dz11]

Here it is

20210807_120322-converted.pdf

 

Sorry the date is 7th January 2015

 

jpg2pdf.pdf

[dx100uk]

need the date the letter or the covering letter was sent. not the remedy date

under section 87 of the CCA they must give a clear 14 days .

[dz11]

20210807_122157.pdf

[dx100uk]

that's better, so the dn is compliant, and the registered default date should have been around 7th jan 2015.

that should be detailed in the debts summary details on your credit file and should mean the debt should no longer show on your credit file as the default has exceeded it's 6th birthday.

[dz11]

Thanks for your reply and help on this . So who should I be contacting to ensure the dates are correct on my credit file

[dx100uk]

write by royal mail...Copy the 2 sheets wirh a letter to arrows. Give them 14 days to remove the account forthwith from all credit ref files or you will raise a serious complaint with the ICO without further notice and be seeking financial compensation for damage to your credit worthiness.

 

Dx

[dx100uk]

you need to also to be reading up

use our enhanced google search box

 

vanquis default

or 

default

 

cag is about self help too.

 

 

[dz11]

Thanks for the help again Dx 

 

I had a look through the forum . It really is a fantastic tool and people like yourself are a credit to the site 

 

I have drafted the below letter that I indeed to send Arrow.  

 

Dear sir / madam

 

I am contacting you today in reference to a default that you have placed on my credit record incorrectly

 

Please find attached letters received from. Original creditor  vanquis in relation to the acc no xxxxxxxx obtained from a SAR request

I was issued a default notice by Vanquis in 2015 however I can you see that Arrow have placed a default for the same debt in February 2021 over 6 years later.

I am giving your company 14days from the date of this letter to remove the account forthwith from all credit ref files, if you can’t comply with the request I will raise a serious complaint with the ICO without further notice and will be seeking financial compensation for the damage to my credit worthiness.

 

Regards