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Old Vanquis Card Debt sold to Arrows - NCO Europe Default notice


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Hi Lozza1981

Hi I'm having the same issue with NCO Europe. And Arrow Global Ltd

This debt was from 2012

Last payment apparently I paid in 2019.

Don't have any knowledge of this.

 

Arrow Global Ltd taken over my debt from Vanquis Bank. On which I was paying a token until 2015. Then I moved addresses and they couldn't contact me.

Therefore passed my debt over to Arrow Global and NCO Europe.

 

Never received a termination letter from them because of address.

 

Checked my file on 29th March 2021 and see a default notice. And score dropped by 300 points.

Taken me years to build a once excellent score.

 

After complaining about not receiving the termination letter.

 

They sent today by email. 

By law they cannot put a mark on your file until you receive the termination letter.

 

Now NCO Europe saying it will stay there for 6 years. Won't remove the default.

 

Want their payment.

Told them you're only going to get £2.00 a month.

As have nothing.

Put into my daughter account. 

 

Complained to vanquis Bank , and Revolver.

As not my debt. 

Is there anything else I can do?

Cheers.

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  • dx100uk changed the title to Old Vanquis Card Debt sold to Arrows - NCO Europe Default notice

Vanquis have SOLD your debt to Arrows

the Account would have been defaulted on or before sale by the original creditor.

 

a DCA cannot issue a Default Notice 

 

the fact you didn't get either a DN or a TN is immaterial.

 

there is no law that states a DCA cannot continue to mark a debt monthly with a D in the calendar section

that means nothing, only the registered defaulted date affects your file and thus your score

they are quite correct the registered default by the OC is there for 6yrs regardless.

 

why are you saying this is not your debt?

did you not take the card out online at some point?

 

 

 

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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I never paid because then when I was in Italy Bergamo, My rental car was stolen by Avis member. I noticed him washing cars before I drove out of the rental area. 

 

After returning to the he car , I noticed the Avis guy driving the car off.

Reported it to the police in Bergamo.

Wouldn't do anything apparently happens all the time.

 

After returning to my hotel I noticed my credit card missing. Left at the car rental desk. Then it was used to pay for the stolen car. 

 

Vanquis Bank investigated , but done nothing. And kept the charge on my account.

Therefore I never paid. 

 

Fraud was committed between Avis and Vanquis Bank.

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in foreign country?

when was this please?

have you written proof of this crime?

 

it's not fraud by avis nor Vanquis though.

but you ideally shouldn't be responsible.

 

i will gather english is not your best language.

 

a car wasn't stolen? merely rental charged to you for a car you never drove?

 

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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