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Vanquis , Arrow Global NCO outstanding debt issue.


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15 hours ago, SardoN said:

Hello again 

 

Hope you are all keeping well.

 

OK we have new developments;

 

First one is that Arrow Global went ahead and added a default to my credit file (which I was worried about all along) which I can only presume has been spread to all credit report agencies - I have attached snippet here

 

- The impact I don't think is that serious but my score tanked around 80 points or so.

 

Second: The SAR from Vanquis, I received it in today's post.

 

So what are my next steps from here? 

 

I haven't heard from NCO/Arrow so far, but I'm sure that their letters demanding settlement will start flooding in soon because the 30 day "hold" has now lapsed.

 

Just a quick one regarding the SAR, there is no included credit agreement like the one that Arrow/NCO sent, they've included the following:

  • Key to abbreviations (2 pages worth of acronyms)
  • Customer base view with some very detailed and personal information pertaining to myself
  • Statement balances dated back to Aug 2014 (I crossed referenced these with the ones received from NCO/Arrow and they seem to tally up)
  • Customer SMS records going again back to 2014

That's the entire SAR total of 42 pages  - I found it very strange that they did not include a CCA or the same CCA that Arrow sent me which was signed etc.

 

Regards

SN

 

default_snippet.docx 242.65 kB · 5 downloads

 

So what are my envisioned next steps ? 

 

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Have a good look through the account log written notes and see if vanquis mention default! Or d or dn.

 

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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I've had a good look through the account log in the SAR as suggested by dx and there is no note of a default, d or a dn or any mention of a default in those notes whatsoever.

 

It does look like I had an original debt with Vanquis looking through these notes, they know about very specific events that happened in my life in the last few years including bereavement etc and this is stated in the SAR account notes.

 

It appears that vanquis sold the debt to Arrow Global (managed by NCO) and did NOT apply a default on my account, they just sold it.

 

It's just odd that vanquis was not listed on my credit reports with the known credit agencies which is the sole reason why I created this thread in the first place and now Arrow added the default which I think is most certainly unlawful and a low blow generally as I am lead to believe that vanquis should have carried out that action prior to selling the account.

 

Moving on I'd like to know if there is anything I can do moving forward - There is a note in the account notes that states the following:

"06 Sep 2018  Customer sent Purchase expiry notification on 07/09/2018. Purchase rate offer will expire on 01/10/2018"

 

Arrow most certainly bought this debt probably for pennies on the pound so my question is do I cave in and resume payments to these parasites who have now hampered my credit score by applying a default unlawfully or can I contest this (maybe with ICO) which I do apologise profusely because I keep mentioning this default. 

 

Did Arrow / NCO actually have the right to add the default notice to the credit reference agencies and only last month which appeared this month? I may actually call Equifax to ask their opinion on the matter.

 

Anyway look I appreciate all the input thus far , but I'm stumped as to my next steps especially now that the debt from vanquis has confirmed to be genuine.

 

Now sure if I can go down the ICO route still ? Anyway I think from the advise given of which I have most certainly taken heed, I will keep an eye out for the post and letters from these people and will ignore until a letter of claim comes in. I'm sure they'll start making threats soon.

 

Oh, and before I forget, how strange is it that within the SAR itself, there was not CCA which Arrow had sent me which contained my signature scanned. I would have definitely thought that would have been included. How bizarre this all is.

 

It would have been nice to squish these guys. but hey can't win 'em all 🤕 

 

Regards

SN

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On 05/07/2022 at 11:55, SardoN said:

I've had a good look through the account log in the SAR as suggested by dx and there is no note of a default, d or a dn or any mention of a default in those notes whatsoever.

 

It does look like I had an original debt with Vanquis looking through these notes, they know about very specific events that happened in my life in the last few years including bereavement etc and this is stated in the SAR account notes.

 

It appears that vanquis sold the debt to Arrow Global (managed by NCO) and did NOT apply a default on my account, they just sold it.

 

It's just odd that vanquis was not listed on my credit reports with the known credit agencies which is the sole reason why I created this thread in the first place and now Arrow added the default which I think is most certainly unlawful and a low blow generally as I am lead to believe that vanquis should have carried out that action prior to selling the account.

 

Moving on I'd like to know if there is anything I can do moving forward - There is a note in the account notes that states the following:

"06 Sep 2018  Customer sent Purchase expiry notification on 07/09/2018. Purchase rate offer will expire on 01/10/2018"

 

Arrow most certainly bought this debt probably for pennies on the pound so my question is do I cave in and resume payments to these parasites who have now hampered my credit score by applying a default unlawfully or can I contest this (maybe with ICO) which I do apologise profusely because I keep mentioning this default. 

 

Did Arrow / NCO actually have the right to add the default notice to the credit reference agencies and only last month which appeared this month? I may actually call Equifax to ask their opinion on the matter.

 

Anyway look I appreciate all the input thus far , but I'm stumped as to my next steps especially now that the debt from vanquis has confirmed to be genuine.

 

Now sure if I can go down the ICO route still ? Anyway I think from the advise given of which I have most certainly taken heed, I will keep an eye out for the post and letters from these people and will ignore until a letter of claim comes in. I'm sure they'll start making threats soon.

 

Oh, and before I forget, how strange is it that within the SAR itself, there was not CCA which Arrow had sent me which contained my signature scanned. I would have definitely thought that would have been included. How bizarre this all is.

 

It would have been nice to squish these guys. but hey can't win 'em all 🤕 

 

Regards

SN

 

Is this the end ? Thoughts anybody ?

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  • 1 month later...

I know everyone has gone quiet. The nightmare situation of all of my previous concerns depicted in this thread off the offset has come to fruition. I tried to obtain a SIM card only deal with 02 as part of a broadband upgrade with Virgin Media and something kept going wrong with the 02 side, and they couldn't give me or the Virgin Media representative the information as to why it's going wrong. When I called 02 they only made reference to maybe potentially a credit check.

 

If you look in my credit file of which I will attach the PDF here. Arrow Global added a default out of the blue and you guys were aware of the situation as I was worried it was going to happen anyway. There are no previous payments, no history .. NOTHING just a DEFAULT APRIL 2022.

 

I just got off phone to Equifax and they said, how on earth can they add a default if there was no historic data in terms of payments etc and NO history of vanquis.

 

They are raising a dispute to have the entry removed based on lack of any historic data! I'm also going to raise the same dispute via Experian and TransUnion.

 

SO...

 

Anyway Arrow have gone quiet, haven't received any letters or anything since they pulled that dirty move.

 

Look, I'm gonna be blunt here. I'm not paying them anything for the stunt they pulled on me.  How dare they add a default out of the blue, considering there is no previous history regardless if they bought that debt from Vanquis in 2019.

 

If a letter of claim comes through, I'll deal with it, if it doesn't they can most certainly jog on, and that's even if they did purchase a "genuine" old debt.

 

Like I mention to you previously, if a creditor sells a debt, they should have flagged that as a default BACK THEN. There were no records of Vanquis in any or the credit agencies. We've already been over this and I obtained all these reports.. 

 

However, the SAR from Vanquis covers a different story altogether...

 

DX100UK was talking about going to the ICO at some stage, I'm not even sure if this is still applicable in my case on the basis of the information which was received via the SAR from Vanquis. Not sure if slowly slowly catch Monkey still applies in this case? It would be good to have some clarity on the situation.

 

Anyway a nightmare.. and now I can't even get a 02 SIM card for £6 per month contract. BUT, I'm not even sure if it is credit related. My score dropped 72 points from around 640 to mid 550's somewhere based on that Arrow default, would that hinder credit?

 

I've got a credit card, I've also a PayPal credit account, I make regular payments etc, in fact, I'm in good stead so I have no idea what's going on with the "something went wrong" .. it sounds as though it is credit check related though.

 

I also spoke with TransUnion and they told me blatantly that if a default was added just now in the last couple of months, of course this will affect credit and he is also of the opinion that it was a dirty move from Arrow. He said if the debt was sold in 2019 then the default should be pushed back. I'm really upset with Vanquis and Arrow to be honest.. WE have more important things going on in life than to waste time messing about with dead beat creditors. 

 

Bottom line - What an extremely low blow from the parasites over Arrow Global HQ (NCO) and anyway hope you guys still alive as everyone has gone quiet as hell.

 

Peace

SN

Default April 2022.pdf

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