Arrow/NCO - old Vaniquis Card Debt - New wrongly dated default! **SETTLED**

[Badtimes123]

Hey Sardon, dx will return to pick those papers apart

 

But it's rare I get here first that bundle you've uploaded appears to be missing the Default Notice (should come from OC at some point before they sell) - so that's good for you

 

Is that T&C's document signed by you? doesn't look original to me..

 

But let's wait for the experienced peeps to arrive, it is the weekend so responses could be delayed

[Badtimes123]

FMOTL - Free man on the land, referred to affectionately by dx as twaddle

 

dx - there was a letter in the bundle requesting Deed of assignment..

[Badtimes123]

That section you redacted with your name doesn't look authentic to me.. perhaps a reconstruction? it just looks out of place with formatting etc..

[Badtimes123]

Yes I read the whole thread, which is why I said this should be good for you!

 

I don't know everything, just trying to help and I'm sure others will correct any glaring mistakes in my comments

[Badtimes123]

Yes they've just simply rebutted your claim to it, I believe this is because you requested it from NCO, not Arrow.. NCO are simply acting on behalf of Arrow so they are quite right and accurate in their claim that they haven't purchased the debt. Anyway let's forget the Deed of Assignment.. or whatever you call it because you have no legal right to see it anyway

 

Have you got a SAR running to Vanquis yet? that's your next step here

Edited May 20, 2022 by Badtimes123
clarity

[Badtimes123]

Just now, SardoN said:

NCO and Arrow are one and the same apparently

Yeh I have seen the comments about that, just strange that they send letters like they do. I suspect NCO are Arrows in-house DCA - I think dx would say same office just a few desks closer to the toilet

[Badtimes123]

12 minutes ago, SardoN said:

you know I'd be better off calling the plebs at NCO and and cutting some kind of cash settlement deal and laying this to rest.

No - because that's the reason these parasites are in business, not because they have a legitimate business, but because people roll over and pay them..

 

If this was an enforceable debt, why do you think Vanquis sold it? don't give in now to DCA's with no power to enforce make them prove it first! I would bet my house they can't produce enforceable paperwork.

 

SAR to vanquis, don't google it, just click this: SAR

 

--------------------

 

PS. sounds to me now that you are aware you had a credit card and this has pushed you to think you're going to lose in the long run... am I right?

Edited May 20, 2022 by Badtimes123

[Badtimes123]

Well I wasn't too far off!! me thinks I'm learning haha

 

Thanks for returning dx and confirming it all in one post.

 

Sardon - do it! I'm not sure I've ever seen dx write so many words to someone

[Badtimes123]

1 - Yes

2 - Ok

 

Then

 

14 hours ago, dx100uk said:

sit on your hands

and until/if you ever get a letter of claim you IGNORE everything they send,

 

But just to be clear, ignore everything BUT a letter of claim

 

Good luck

[Badtimes123]

5 minutes ago, SardoN said:

OK I'm going to get on top of this SAR next and get it out the way.

Yes! then sit back and relax for a month awaiting their reply.

 

That paperwork (assuming that's everything they sent as you say) is not enforceable, it's missing key elements that would prove authenticity and is likely a cobbled together reconstruction from stuff they found in the trash hoping you except it and pay them.. this should be unlawful, but hey that's what they do!

 

The reason dx was asking for unredacted is so we are able to tailor the advice more effectively, that's all.

[Badtimes123]

Yeh you're right and this is solely what they rely upon - fear. Just like the TV programming has you programmed to believe. DCA's are not bailiffs, another lie pushed out there to keep this industry going, have a read of dx's signature

 

They can, and do, progress to CCJ's BUT only if not defended.

[Badtimes123]

Slow down a bit, I can see how this is frustrating but let's discuss facts and it will be figured out..

13 minutes ago, SardoN said:

back in Oct 2021 when I first obtained credit reports

Have you ever accessed your credit report before Oct 21? if so, when was that?

 

Wait for the SAR from Vanquis also, unless they have responded yet? you did send it right?

Edited May 26, 2022 by Badtimes123
SAR Question

[Badtimes123]

Ok did you ever access it before 2021?

 

Wait for the SAR from Vanquis also, unless they have responded yet? you did send it right?

Edited May 26, 2022 by Badtimes123
Repeat SAR question

[Badtimes123]

There's no rush

 

Have Vanquis replied to the SAR? you did send it didn't you?

[Badtimes123]

I'm going to double post because I don't want an edit to be missed again again and I need to go bed..

 

You state you were never aware of a Vanquis debt, we must wait for the SAR, THEN you can absolutely slap the DCA around with it.. forget about them for now.

 

In post #13 you said:

"the original debt was sold and that it was down to the discretion of eVanquis to add the default and they guy said they were not obliged to thus they didn't "

 

So maybe that is what happened here.. not sure how lawful or not that is, but it's certainly looking like this..

[Badtimes123]

Right, I see dx is here now too, and just so you know, Andy is light years ahead of me and it's not even close!

 

I'm just trying to ask the easy questions so the knowledgeable guys have the answers when they arrive