In a mess head spinning.

[snudgerchops]

Re: In a mess head spinning.

Just as a note for reference, with Arrow Global, even if a DCA is dealing with it, they ask for the PO to be made payable to Arrow Global not the DCA.

Thank's Sheperdess,

I will obviously have to do some more reading, I was under the impression that Arrow Global was a DCA?

[CleverClogs (RIP)]

Re: In a mess head spinning.

Arrow Global - They have asked for all info to be sent to a PO BOX in Manchester

How curious.

That seems to suggest their Debt Collecting Empire is run from a grotty council house in Fallowfield and that their "global" presence is, well, a lot of globes.

should I send it there or should I send it to their registered office in London?

Their registered office may just be the address of their accountant or lawyer - someone who can accept service of legal documents or claims on behalf of the company.

Can you not ask the Post Office for the actual address behind the PO Box?

Or use the 12 Booth Street, Manchester address given here ---> link.

Last question: None of the letters have a contact name on them? Is it correct that I send it for the attention of the "Data Controller"?

It's certainly better than "Assistant Chief Muppet".

[Undercover Elsa]

Re: In a mess head spinning.

Morning Snudgerchops,
Well done on getting yourself organised.

No, don't send CCA requests to the Data Controller (that's just for Subject Access Requests).
No need for a name, just send it to the address you're directed to use on the most recent letter from them, be it from a DCA or original company.

Shep x


Just as a note for reference, with Arrow Global, even if a DCA is dealing with it, they ask for the PO to be made payable to Arrow Global not the DCA.

[snudgerchops]

Re: In a mess head spinning.

Morning All,

Today is the big day, I'm going to be sending out my CCA requests. (I will also start my diary today). --->Snudgerchops UE Diary. - allaboutFORUMS

Hoping someone can help with a little info before I post:

Arrow Global - They have asked for all info to be sent to a PO BOX in Manchester (I know this from previous letters they have sent), should I send it there or should I send it to their registered office in London?

Last question: None of the letters have a contact name on them? Is it correct that I send it for the attention of the "Data Controller"?

Thanks in advance to all.

Snudgerchops.

[snudgerchops]

Re: In a mess head spinning.

Depends if/when you've been defaulted. It'll drop off your credit file 6 years after a default regardless of whether you pay or not.

That's the thing they have not defaulted me....ARGHHH

[swanfan]

Re: In a mess head spinning.

Morning all.

Been looking at my credit file again.

I have an AP listed next to Barclaycard, from what I have read this is bad. Am I right in thinking that even if I continued to pay them it would still show on my credit file for 6 years after the final payment?

I'm concerned about the mortgage, I am not on a fixed rate which is ok right now but if interest rates go up I'm screwed. Does anyone know how my current mortgage provider would look upon this? Bad I guess?

I HATE BARCLAYCARD.

Depends if/when you've been defaulted. It'll drop off your credit file 6 years after a default regardless of whether you pay or not.

[snudgerchops]

Re: In a mess head spinning.

Morning all.

Been looking at my credit file again.

I have an AP listed next to Barclaycard, from what I have read this is bad. Am I right in thinking that even if I continued to pay them it would still show on my credit file for 6 years after the final payment?

I'm concerned about the mortgage, I am not on a fixed rate which is ok right now but if interest rates go up I'm screwed. Does anyone know how my current mortgage provider would look upon this? Bad I guess?

I HATE BARCLAYCARD.

[Scaggy]

Re: In a mess head spinning.

Hi Snudgerchops,

I have just joined the forum too. i am in financial difficulty and wanted to say the moderators and everyone are so helpful. Its the best place to be for support.

Welcome and good luck!

[greymatter]

Re: In a mess head spinning.

Hi join the club,welcome.
Greymatter

[nanna58]

Re: In a mess head spinning.

hi and welcome xx

[snudgerchops]

Re: In a mess head spinning.

No if you never paid then statute kicks in after 5yrs. Defaults stay for 6.

However lenders only consider the last 3yrs credit profile thus your score may well be high because the entries are already 3+ years old.

Oh, hi by the way. Hope you like it here

Hi to you too - I'm loving it here. Relief at last!

[Never-In-Doubt]

Re: In a mess head spinning.

No if you never paid then statute kicks in after 5yrs. Defaults stay for 6.

However lenders only consider the last 3yrs credit profile thus your score may well be high because the entries are already 3+ years old.

Oh, hi by the way. Hope you like it here

[swanfan]

Re: In a mess head spinning.

Thanks flower - so in essence this should only show for a further 2.5 years? I'm in Scotland and I'm sure i read it's 5 years in Scotland but I could be wrong - I am quite a lot of the time. LOL

Thanks again

No you're thinking of statute barred which is 5 years in Scotland.

A default stays for 6 years on a credit file.

[snudgerchops]

Re: In a mess head spinning.

Only one default should be recorded per account - usually around 3 months after breaking your agreement (not making the agreed min payments) and will drop off 6 years later regardless of whether you pay something or not.

The CCA process is meant to tell you if the debts are enforceable or not. You would only consider F&Fs on any that turn out to be enforceable.

Thanks flower - so in essence this should only show for a further 2.5 years? I'm in Scotland and I'm sure i read it's 5 years in Scotland but I could be wrong - I am quite a lot of the time. LOL

Thanks again

[snudgerchops]

Re: In a mess head spinning.

Hi All,

Wondering if anyone could advise?

My Experian credit rating is 996 - this amazes given that I have two defaults, one with each of the debt collection agencies.

Question is, next to the default is the number 8, does this relate to the number of late payments with the original creditor? The reason I ask is because I have never missed a payment to the DCA'S.

But more importantly if after I have gone through the 'cca' process and do reach a F+F settlement will this default be listed for a further six years or would it date back to the original default date which was about two and a half years ago?

Only asking because I have a mortgage and I am not on a fixed rate.

Thanks in advance again.