Which Way to Go?

[Still Waving]

Re: Which Way to Go?

Thanks folks - I'll hold off sending the letter pro tem.

[Pixie]

Re: Which Way to Go?

I agree with MrsD and would wait until you hear from Arrow Global again. Let us know when you do.

[MrsD]

Re: Which Way to Go?

they might just have been pushing it to see if you'd bend and have now backed off......................

[Still Waving]

Re: Which Way to Go?

I would wait, it was capquest that got the solicitors involved to scare you, It has now been returned to Arrow, so wait and see who they send it to next xxx

I would wait as well, NW is right, it was a wee scary tactic, I know you are going carefully but give it a month and see what happens, it's what I would do, and did in the past.

Thanks for the replies Nightwatch and Mrs D.

I was looking for the Arrow address to send the CCA request to, and found that there wasn't any address on their NoA. So, looking on their website I saw a Manchester contact address for correspondence, and an address for complaints which is in the same building as Capquest. I then noticed that Capquest is part of the Arrow Group.

If it was Capquest who brought the solicitors in, they were pretty quick to return the account, as there is a mere 10 day gap between the date of the solicitor letter and the date of Capquest reply to the CCA request saying the account had been returned. The previous letter from Capquest was in May, so it could/might have been referred back at any time since then..

I haven't yet sent the letter, but am still very wary. I don't mind engaging with DCA's but really don't want it being dealt with by solicitors this early in AG's ownership.

Still 2 years to go before SB.

[MrsD]

Re: Which Way to Go?

I would wait as well, NW is right, it was a wee scary tactic, I know you are going carefully but give it a month and see what happens, it's what I would do, and did in the past.

[nightwatch]

Re: Which Way to Go?

I would wait, it was capquest that got the solicitors involved to scare you, It has now been returned to Arrow, so wait and see who they send it to next xxx

[Still Waving]

Re: Which Way to Go?

Hi folks

Reference the preceding post - I sent a CCA request to Capquest, and have now received a letter from them. The account has been closed on their system and returned to Arrow Global, and they have returned my PO, saying I should contact AG with any queries or requests.

I'm thinking that I should now send a CCA request direct to AG, rather than wait for any further enquiry communication from the solicitors.

[Still Waving]

Re: Which Way to Go?

at the moment, if Shoosmith are just phishing (no accounts?) I would just hang fire, I am think they are not allowed to phish without giving you the whole story and from that I presume they don't actually know where exactly you are, worth leaving it for a while.

Hi Mrs D

No account info, just their own reference and Our Client: Arrow Global Ltd.

I am not in a strong position with these accounts, as Niddy has deemed that the copy agreements provided in September 2012 are both enforceable. My thinking is, therefore, that sending a CCA request to Capquest could forestall Shoosmiths being instructed to issue a LBA, at least for the time being. I would prefer them not to become any more involved at this stage.

[MrsD]

Re: Which Way to Go?

at the moment, if Shoosmith are just phishing (no accounts?) I would just hang fire, I am think they are not allowed to phish without giving you the whole story and from that I presume they don't actually know where exactly you are, worth leaving it for a while.

[Still Waving]

Re: Which Way to Go?

Hi folks

Advice required please.

Two of my alleged debts with the same original creditor were sold for the second time at the end of last year.
The NoA regarding the bigger debt (nearly £12k) was sent to my current address, and the NoA regarding the smaller (nearly £9k) was sent to my old address (I have a looong-term redirect on my old addy).

From January to March I was receiving letters from Capquest (on behalf of Arrow Global) regarding both of these accounts, all sent to my old address. The letters all stopped in March, then in April and May Capquest wrote to my current address regarding the smaller account only.

I have been ignoring all Capquest's letters so far, and was waiting for the threats to start - and allowing more time to pass - before engaging with them.

I have been blagging the accounts as UE for nearly 4 years, as Niddy said that the CCA documentation provided via the original creditor (MBNA) was enforceable on both accounts.

I have just received a tracing letter from Shoosmiths Solicitors, sent to my old address, Re: me at my current address. There is no indication regarding which account, as they only say that it is a personal matter, but I am assuming it is regarding the smaller account, though it could be either/both.

As Shoosmiths are now becoming involved I should now take some action. I had previously been thinking that my first response to Capquest regarding these accounts should either be a Sold in Dispute letter or, more likely, a fresh CCA request, to see if they can still come up with enforceable agreements .

Do the experts agree that I should be sending CCA requests to Capquest?

[Still Waving]

Re: Which Way to Go?

I always welcome others' opinions.

[Pixie]

Re: Which Way to Go?

Thanks Pixie, that was my thought too.

I thought it might be...you've been a member long enough

[Still Waving]

Re: Which Way to Go?

Thanks Pixie, that was my thought too.

[Pixie]

Re: Which Way to Go?

Wait for Capquest to contact you the send the Sold While in Dispute letter.

[Still Waving]

Re: Which Way to Go?

Duplicated post - Sorry.