Àrrows & old CAT debt - default reached 6yrs, but Arrows say they'll still make the debt show?

[MaxPops]

Hi, 

 

I have a default dropping off my credit file next week due to 6 year rule.

 

I received a notification from one of the credit reference agencies as per the attached essentially stating that the debt was going to be re-added to my credit file next month.

 

I have been making regular payments to them to clear the debt.

 

Can they do this?

 

 

arrow.pdf

[Andyorch]

Welcome to the forum.

 

The actual debt itself...has it recently been assigned (sold) to Arrow  from the original creditor ? Was it showing under the original creditor for the past 6 years ?

 

 

Andy

[MaxPops]

it was showing as Arrow and was assigned to them in 2017 from Littlewoods

Edited January 28 by MaxPops

[dx100uk]

Who says you owe anything?

 

rather than blindly paying a powerless dca, why dont you send them a cca request?

 

Dx

[Andyorch]

Inform the credit agency that this is incorrect and you have not recently added a new agreement ....the default has now reached it 6 years and should be removed. You may have to submit your own Notice of correction.

 

Andy

[MaxPops]

Can they add it as a new account and display "Arranged to Pay" or similar?

Edited January 28 by dx100uk
unnecessary previous post quote removed

[Andyorch]

That would depend on whether its showing as a full default (the original creditor issued a default notice and registered) or an AP marker was placed ?

[MaxPops]

3 hours ago, Andyorch said:

That would depend on whether its showing as a full default (the original creditor issued a default notice and registered) or an AP marker was placed ?

This is what it shows on my credit file - i've removed personal data.

 

arrows credit file entry.pdf

[Andyorch]

Not an AP marker...should be removed 1st Feb 2022

[MaxPops]

they shouldnt be allowed to add any record of any type for this debt back on my file?

Edited January 28 by dx100uk
unnecessary previous post quote removed

[Andyorch]

A default marker shows on a credit file for 6 years......your 6 year expires 1st Feb as I've stated above.

Check your file again after the 1st Feb if its still showing do as I have advised above.

[dx100uk]

uploads converted to PDF as docx shows your pers details in file/properties.

 

once the defaulted date registered by the OC reaches it's 6th b'day the whole account is removed, a debt buyer cannot change that date, so their entry for the same account will vanish too, it can never comeback.

 

get rid of these fleecers forever and stop being a cash cow send them a CCa request.