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Hi - I'm currently being chased by a debt collection agency for a debt i dont think i owe.
a number of years ago i got into serious financial difficulty and racked up nearly £20k of debts in the shape of credit cards, store cards and loans. I decided to try and sort it out and contacted the consumer credit counseling service. on their instructions i contacted all of my creditors and obtained final settlement figures The CCCS then took over management of my finances and, after 5 hard years, i finally became debt free in march 2011..... or so i thought. Earlier this year i was contacted by a company called Fredriksons who informed me that i owed over £4600 on an outstanding loan from EGG. I wrote back informing them that i had ben given a settlement figure by EGG and paid the loan off with the aid of the CCCS - I included a copy my final CCCS statement showing the zero balance and asked them to send me a complete set of statements and payment history from EGG proving the alleged debt. This seemed to do the trick and i heard nothing from Fredriksons again. However, I have since received a demand for the same debt from Arrow Global (apparently Fredriksons were acting on their behalf). I went through the same process - wrote to Arrow with proof of paying the debt and asked for a complete statement and payment history proving the alleged debt. Arrow have written back and are refusing to send this proof unless i send them proof of all of my previous addresses over the last eight years - they cite the Data Protection Act as requiring this. I cannot provide the documentary proof they want as i dont have it. It seems we're a an impasse.
What do I do now?
As far as Im concerned, I've paid back the amount that i was told i owed. I have provided proof of this to all concerned.
What can Arrow actually do to me? am i likely to star receiving bailiffs visits or court summons?
I've tried contacting EGG directly but they no longer exist. I've tried Barclaycard, who took them over, but they have no record of me on their system.
What really annoys is that sine the CCCS took on my debt and paid it, i have never received any communication from EGG or BarclayCard saying i hadnt paid enough. I just started receiving the debt collection letters a year after the debt was paid.
If it turns out that i was given the wrong settlement figure, then what are my rights? Im assuming id have to pay the balance, but im not prepared to do that until i get proof of the alleged debt.
Any advice or insights would be massively appreciated!!
a number of years ago i got into serious financial difficulty and racked up nearly £20k of debts in the shape of credit cards, store cards and loans. I decided to try and sort it out and contacted the consumer credit counseling service. on their instructions i contacted all of my creditors and obtained final settlement figures The CCCS then took over management of my finances and, after 5 hard years, i finally became debt free in march 2011..... or so i thought. Earlier this year i was contacted by a company called Fredriksons who informed me that i owed over £4600 on an outstanding loan from EGG. I wrote back informing them that i had ben given a settlement figure by EGG and paid the loan off with the aid of the CCCS - I included a copy my final CCCS statement showing the zero balance and asked them to send me a complete set of statements and payment history from EGG proving the alleged debt. This seemed to do the trick and i heard nothing from Fredriksons again. However, I have since received a demand for the same debt from Arrow Global (apparently Fredriksons were acting on their behalf). I went through the same process - wrote to Arrow with proof of paying the debt and asked for a complete statement and payment history proving the alleged debt. Arrow have written back and are refusing to send this proof unless i send them proof of all of my previous addresses over the last eight years - they cite the Data Protection Act as requiring this. I cannot provide the documentary proof they want as i dont have it. It seems we're a an impasse.
What do I do now?
As far as Im concerned, I've paid back the amount that i was told i owed. I have provided proof of this to all concerned.
What can Arrow actually do to me? am i likely to star receiving bailiffs visits or court summons?
I've tried contacting EGG directly but they no longer exist. I've tried Barclaycard, who took them over, but they have no record of me on their system.
What really annoys is that sine the CCCS took on my debt and paid it, i have never received any communication from EGG or BarclayCard saying i hadnt paid enough. I just started receiving the debt collection letters a year after the debt was paid.
If it turns out that i was given the wrong settlement figure, then what are my rights? Im assuming id have to pay the balance, but im not prepared to do that until i get proof of the alleged debt.
Any advice or insights would be massively appreciated!!
) . As Niddy says keep us updated , I scan letters and thing but remove all my personal details then post on here 
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