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Paragon have my debt to Arrow Global, what to do next?


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Hi

 

Section (b) on that statement says (right at the end) that they may disclose to any credit agency - this seems to contradict the disclosure statement you posted previously.:confused:

See what the 1984 DPA actually says anyway.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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  • 2 weeks later...
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sorry for the delay....

 

It's all on the back of the same form however so not sure what to make of that.

 

Interestingly:

- They have claimed not to have received the SAR request that was sent with the £10 fee via recorded delivery but they have cashed the cheque

- The balance of the account has changed (reduced) in the last 2 months despite no payment being made, even if they had allocated the £10 SAR fee to the account (which my letter told them not to do) it doesn't account for the difference

 

I was told this over the phone, I didn't really bother trying to tell the telephone agent about legal rights to Data etc as it would have been met with the telephone equivalent of a blank unintelligable expression so I'm waiting for their letter.

 

However, as they are not a credit agency, does the above disclosure statement on the CCA hold any ground for dispute?

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Hi

 

Does the later doc (Paragon) have any statement on it that they may assign their rights under the agreement at any time to a 3rd party or anything else that suggests you gave consent for data to be passed outside the Group (other than to a CRA - which you consented to by signing)?

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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I didn't find anything else regarding the assignment of rights on the CCA but I'll check when I get home, I'm pretty sure those are the only disclosure statements though.

 

Section 8b on the back of the cca form (the above attachment) is quite confusing though as it mentions I authorise them to check/verify/disclose details of the transaction to a company or 3rd person connected with the business of Paragon or their holding companies.

 

So is the 'transaction' -

The fact a loan was taken out?

Or does this authorise them to sell the loan on and thus pass all personal data on?

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Hi Lobo,

 

Not had any reply following my request for documentation from Arrow, they have banked my £1 though, CBS are still ringing me but as I refuse to answer their "data protection" questions so they put the phone down on me,,, anyway have finally sent CBS a letter telling them matter is in dispute and the reason is none of their business, (found on another link) just liked it, anyway also added the line that continual phone calls will constitute harrassment.

 

What I am looking for is a letter to send to Arrow stating they have not fulfilled my request and have committed a criminal offence, what I have find just doesn't seem to fit, any comments or guidance appreciated.

 

By the way they obviously have not got contact details for my ex as they have not attempted to contact her at all.

 

Steve

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  • 2 months later...

Hi Folks,

 

A quickie update for you,

 

It's been 5 months since my S.A.R request to Arrow Global, have heard nothing back.

 

Now, previously, when the loan was with Paragon, they had put nothing on my Credit File, nothing at all, not even registering the fact there was a loan.

 

In April, Arrow Global registered a default on the loan and put it on the credit file.

 

No default notices were sent by Paragon prior to this, no official default notice sent by Arrow either (just the usual 'you owe us money now')

 

Now when I spoke to Arrow some time ago about the data protection stuff, the manager I spoke to said they don't hold any of the actual account history etc (letters, correspondence that Paragon would have had) yet the very first letter I received from Arrow advised me that they were now the data owners. Surely this means they *should* have all the correspondence etc.

 

What would the next step be? (if any?) Is Arrow within it's rights to register a default like this?

 

I'm still waiting to hear from them (for about 2 months now) since I forwarded a letter to them I had from Paragon over a year ago with their offer to settle the debt for a quarter of the balance (the letter was not time-limited either).

 

Thanks.

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Contact them and ask for a copy of their complaints procedure. You must make a complaint to them before you can complain to the FOS. Complain to Trading Standards, the Data Protection Registrar, Information Commisioners Office and it would do no harm to contact your local MP. That should keep you amused for quite some time. The cowboys think they are way above the law. Fortuneately even a Mickey Mouse company such as theirs is not. They have broken hosts of rules and will be mad to suffer the consequences. Its really that simple. The law is the law.

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I have emailed 3 weeks ago TS repiled & sent them copies of all communications, OFT (will only act on many complaints) & ICO (no reply as yet) will advise.

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  • 1 month later...

Paragon provided a joint loan to myself and my former partner about 1997. It went bad about 2002 when I lost my job and she left. I contacted Paragon and set up token repayment plan. Been keeping that going since. Never had anything from them except monthly letters reminding me my payment was coming due. Sent them six monthly copies of my I&E so they could see there wasn't anything more they could get.

They still keep my former partners name on all correspondence despite me informing them, I don't know where she is!

 

Got a letter from Arrow last December telling me they've been assigned my debt by Paragon.

Got a letter from CBS Transcom in January telling me that they had been instructed by Arrow to collect the debt immediately.

Another letter from Arrow in March offering help by partnering me up with blackandwhite.co.uk

Another letter from Arrow in April telling me again that Paragon have assigned my debt to them.

A letter from Transcom in May acknowledging my letter and I&E account enclosing a paying in book for future payments.

Letter from Cope's solicitors June, saying I haven't responded to their previous letters???, that I had been given the opportunity to contact them to commence monthly payments, or increase monthly payments to the rate set by their client. Must contact them immediately to arrange repayment. Legal proceedings in 10 days if no immediate contact.

Letter from cope's August -formal notice of intent to issue legal proceedings - want the full sum - seems to include all interest which should have been frozen back when my problems started. They want it in cleared funds by 16.00 on 13th August or they will issue legal proceedings.

 

I'm going to send a CCA request to Arrow today(copy to Copes*CBS), with a SAR to Paragon any other suggestions??

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would suggest sar to arrow or CBS as they are the debt controllers now, paragon have got what they want from arrow/cbs.. cash now... arrow / cbs have not been able to supply me with docs, I have informed trading standards about this they are investigating, also complained to oft and data protection

go for it, let them prove you owe them anything first

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  • 1 year later...

holy thread revival :)

 

Well, it's been well over a year since I sent them a copy of the letter from Paragon stating what THEY were prepared to accept to settle the account and also a copy of the SAR letter.

 

To this date I STILL have not yet had a reply to this but they have recently (under CBS Transcom) demanded an immediate installment and subsequent installments in order to clear the overall balance.

 

I'm going to resend one of my old letters stating what I previously requested.

 

Oh and the balance of the account has changed over the last three letters they've sent me! (Since December 2006) although I'll be disputing the claimed amount anyway due to what I believe are going to be unfair interest charges.

 

Any further advice would be gratefully appreciated as to how I can approach the fact that given it's been 14 months since last contact and they haven't provided me with the SAR (despite cashing the cheque for it!!)

 

Thanks.

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Ok, how's this?

 

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

 

Dear Sir/Madam

I do not acknowledge any debt to your or your clients company.

I refer to my previous letters dated 19th March 2007 & 16th January 2007 where I have stated that the account is in dispute over your clients claim of ownership of the debt, the right to process my data and the Subject Access Request which has, as yet failed to turn up despite the statutory £10 fee being cashed in respect of this request.

You were required by law to supply me with this information and have failed to do so within the prescribed period.

To re-iterate, you were required to provide the following

1.) Proof of ownership of the debt (Under S.189 of the CCA 1974)

2.) Under section 7 (1) of the Data Protection Act you were required to provide me with all information held on record relating to the account in dispute.

In addition, under the Data Protection Act 1998 you cannot asume the right to process my data without my written consent, this has not been provided, with exception of the information (2) that I had previously requested that you supply me.

As you have failed to provide the requested information for 14 months this constitutes non-compliance of the request made and is a criminal offence under the above act. As a gesture of good will, I shall permit a further 14 days for you to provide this information before I take this matter further.

As the account is in dispute and the above information has not been provided as required by law, any legal action that you may contemplate with be both vigorously defended and contested.

Further demands for payment will be regarded as harrassment and legal action will be pursued.

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  • 2 weeks later...
  • 3 weeks later...

Hi, I'm new to the site and need advice about Arrow Global LLC/CBS Transcom, as they are threatening to take my husband to Court over a debt passed to them by Monument (via Raphael's Bank and Compucredit International Aquisition Corporation).

 

We don't dispute the debt is owed (it was run up along with others during a time when we were going thorugh a set of difficult and tragic circumstances) and we are making regular payments to a number of creditors (including them). However, they won't accept the payments offered and they've asked for bigger payments than we can afford.

Everyone else has been helpful (so far).

 

I've been reading your 'threads' about these companies and Data protection and, wondered if there was anything I could do to avoid this going to Court.

 

I didn't know how to start a new 'Thread'....

Thanks

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  • 1 month later...

Guys

 

I could really do with some help/advice. My wife and I took out an 15K unsecured loan with Paragon Finance in 1999, moved house with work in 2001 and in 2002 contacted Paragon to say we were having difficulty in meeting the payments on our loan. I THOUGHT we had agreed reduced payments and a freeze on interest, made contact on a regular basis with Paragon to review payment and they seemed very understanding and helpful. Moved house in 2003 and kept in contact with Paragon. As part of our regular reviews they contacted me in December 2006 to say the 'account' stood at £7200 told them I couldn't make a one off payment to clear this amount and they aggreed to continue with the agreed payments. In Jan 2007 Global contact us in writing to say that they had purchased the loan and demanding over £28k within 7 days! I duly contacted them and explained my understanding of the situation they stated that there was no 'documented' evidence of reduced payments and intrest being frozen. Disputed the issue and requested original copy of agreement etc as advice by other users of this site. That documentation was not forthcoming within the legal time frame, but did eventually arrive. However I contacted Paragon and asked for a copy of the letter sent in December 2006 stating the amount owed was £7200, they stated debt had been sold and thaqt I would have to request this via Global, who have not responded to the requests to suppy a copy of the letter (surprise, surprise!!!!).

 

Thropughout the process I have received letters from CBS transcom and agreed to contiued with the reduced payments via direct debit, but Copes contact me a few days afterwards threatening legal action the latest letter states: "Do not underestimate the resolve of our client in pursuing this debt", it is still in dispute as I believe that the outstanding amount is £7200 (less the payments made) they think it is now over 40K, I have asked of Global that interest is frozen but no reply and the amount is also registered with credit reference agencies.

 

Any advice etc is welcomed, i did sight a thread that considered getting sworn affidavite from people stating that they believed they had agreed finterset to be frozen, any progress on that?

Edited by DT&FE
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Gu

 

 

 

Any advice etc is welcomed, i did sight a thread that considered getting sworn affidavite from people stating that they believed they had agreed finterset to be frozen, any progress on that?

 

I had Trading Standards dealing with them for a while and Transcom told them that they were no longer dealing with it and the debt would be re assigned to another collector. T S told me to contact them when there is any contact. There has been nothing for three months and weekly phone calls have stopped. I would be up for a collective defence against them as I was grossly misled in phone dealings with them n to believing the interest had been frozen

Edited by Mark26
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FolksJust noticed something else from the CCA (that arrived after around 4 requests and outwith the proscribed dates). It asks for "occupation details - main applicant" nothing in the boxes other than time with employer!This was a joint application and CCA also states "occupation details - joint applicant" again all the boxes are blank. Does this nullify agreement?????I do not have the legal knowledge to instigate and collate a 'collective defence' but surely some one out there has. This whole debarcle has had an impact on my dear wife's health, althoug that would be difficult to prove.There must be a gagger out there with the grey matter, resolve and time!

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  • 2 months later...

Hi again all, I have a feeling I'm due a Summons in the next few days, I've still not had a reply from them from the letter I posted here:

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1667603.html

 

Can they just go for a summons?

 

They still haven't provided me with the SAR I asked for etc, I've had no phone calls, nothing since August '08

 

Might also add that at this point I've not received a Default notice from either the original creditor (Paragon) or Arrow

 

Any and all assistance is of course gratefully received!

 

Thanks.

Edited by lobo200
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  • 2 weeks later...

Well, I received a letter from Arrow today saying they received my letter in September 2008 and sorry for the delay and that they will now process my SAR and will endeavour to process it within the statute time limit. hmmmm

 

Oh, this letter had no date on it either so I'll be keeping the envelope with the post date on it.

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Well, I received a letter from Arrow today saying they received my letter in September 2008 and sorry for the delay and that they will now process my Subject Access Request and will endeavour to process it within the statute time limit. hmmmm

 

Oh, this letter had no date on it either so I'll be keeping the envelope with the post date on it.

 

Oh dear!! The Statutory Time Limit has well and truly passed. They had 40 days from the receipt of your request to comply. Time to report them

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  • 3 weeks later...

Well, I still have no default notice, no SAR, no deed of assignment, no letter of assignment from the original creditor.

 

Last week I received a letter from their solicitors threatening court action. Have replied back stating what Arrow/CBS have failed to provide.

 

Have also flagged up the fact that on each lettter received from them, the amount owed has fluctuated (I've made no payments). On top of that, Arrow are claiming the amount owed is 4x higher than the amount the original creditor had stated was required to settle the debt.

 

Will see what they come back with. Am also starting complaint procedures on the failure to supply the SAR & the fact they keep ignoring my letters and still demand payment. This has been going on for far too long.

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Also had letter from CBS solicitors, didn t hear anything for months and now another DCA is sending me letters., back in to the big circle we go. I have sent them a recorded delivery letter telling them I will have no dealings with them by telephone as my phone dealings with Paragon caused all of the problems. I have also informed them if they want to send their agent to my home, to make an appointment so that I can arrange for my legal representative to be present. They don t appear to like puttting anything in writing ( apart from standard letters ) which makes me suspect that they don t actually look in to individual cases or disputes, and just try to use bullying tactics across the board

Edited by Mark26
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  • 3 months later...

Hi all,

 

I'm new to this so don't know whether I should be starting a new thread or not. But I'm having issues with Arrow Global so I thought this would be a good place to start.

 

I got a letter about two months ago from StevensDrakes solicitors on behalf of Arrow Global saying that they had become the new owners of the debt I had with HSBC to the tune of £10,700. This debt dates back to 1998, which started out as a loan for £5000. Having got into financial difficulties in the ensuing years, I ended up paying a number of DCAs a reduced amount every month. Then the debt seemed to drop off the radar by about 2003 or so after I'd moved a couple of times, and I'd completely forgotten about it.

 

I then got a letter from DCA Buchanan Clark & Wells in 2007 giving me a Formal Notice of Default Account, and threatening court action to recover the debt. I then sent them a S.A.R. to which I didn't get the squeak of a reply.

 

Then in February this year, I get basically the same letter from solicitors StevensDrake acting on behalf of Arrow Global. I sent them a letter claiming the Statute of Limitations. Then I got a letter in May, saying the debt was not Statute barred, since I apparently made a payment in September 2005. I've gone through bank statements, and there is no payment to anyone for £25:00 in that month.

 

What should I do now? CCA them, SAR them again, or both?

 

By the way, undying respect to you all. This site utterly rocks.

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