Debt Diary 2020

[Roger]

Just updating Arrows moving on the Vanquis CC to Arrow Poplar Designated Activity Company is it just another company of there’s?

The question is Moving on from WHAT Arrow Company?
Or is this a change of Company Name?
What precisely does the letter say?

Assignment chains can create problems because of the Rights of the INDIVIDUAL Companies.
If the Original Arrow Company wasn't Authorised when the Account was Brought then assigning to another Arrow Company can't remedy the lack of Authorisation!
Hence my asking for more details!

[adam92]

Just updating Arrows moving on the Vanquis CC to Arrow Poplar Designated Activity Company is it just another company of there’s?

[Roger]

Hello Haven't had an update for a while, had a change this month with CapQuest (from what I've heard horrible buggers) managing the Arrow Global CC account (updated the main post) - still waiting on a CCA request from them I think since July 2020

Arrow/Capquest Group
I note the following
"..
Mar 2019 - Removed from CRA files
July 2019 - Account Sold to Arrows (managed by NCO Europe) not on any files.
July 2020 - CCA Request Sent to NCO Europe stopped making payments from this point onwards.
Aug 2020 - Confirmation of request sent to me
Feb 2021 - Notice of Default/Termination? (Di notes this isn't a compliant notice)
.."
Your doing all the right things
Do you know by chance which Arrow Company was Assigned the Debt? It wasn't by chance Arrow Global Guernsey was it?

[adam92]

Hello Haven't had an update for a while, had a change this month with CapQuest (from what I've heard horrible buggers) managing the Arrow Global CC account (updated the main post) - still waiting on a CCA request from them I think since July 2020

[adam92]

A further update,

The Overdraft account that was with Idem has been sold to Hoist (whom I swear had it before but may have been another account)

Lowell have had the cheek to send a letter stating they’ll offer a 0% interest free payment plan and stop interest on an account they can’t apply interest too

[Roger]

They should have all dropped off by now, I’ll have a look.

I think they are SB as of the 20th this month. They’ve also sent me a text last Friday that an “important letter awaits you” and a link to login in somewhere which I’ve just deleted.

Well Done because everything in SNAIL MAIL. Block their number if you can!!
Just treat as if a SCAM attempt!! Don't open and DON'T click
Any Claim would have to be posted!!

The CCA1974 is a SNAIL MAIL Act! Always worth remembering that!

[adam92]

Check your CRA's
".. After silence for a number of years .."
Because these may be Statute Barred or close to this.
So check your records and yes the CRA's

They should have all dropped off by now, I’ll have a look.

I think they are SB as of the 20th this month. They’ve also sent me a text last Friday that an “important letter awaits you” and a link to login in somewhere which I’ve just deleted.

[Roger]

After silence for a number of years Lantern (who took over the Pay Day Loans and merged them together) have decided to get in touch via aletter stating they've been trying to contact to no reply and referred my account to QDR Solicitors and to get in touch with them within 7 days. I'm assuming this is just a scare tactic having a quick Google of other experiences?

Check your CRA's
".. After silence for a number of years .."
Because these may be Statute Barred or close to this.
So check your records and yes the CRA's

[adam92]

After silence for a number of years Lantern (who took over the Pay Day Loans and merged them together) have decided to get in touch via aletter stating they've been trying to contact to no reply and referred my account to QDR Solicitors and to get in touch with them within 7 days. I'm assuming this is just a scare tactic having a quick Google of other experiences?

[The Tech Clerk]

just commission hopefuls

[adam92]

Type: Overdraft
Date Commenced: 2008
Default: 2016
Balance: £1010
Last Paid: Feb 2019
Status: ??
Owner: Sold to PRA (old Natwest)

09/21 - Letter offering 10% discount.
03/22 - Letter stating Moorcraft have been tasked with collection

After hearing nothing from PRA for months (and I think only one letter in nearly 2 years) they’ve contacted me stating they’ve asked Moorcraft to begin chasing..

[adam92]

Further letters received this past Thursday including a arrears notice from Barclays for the CDL so they have the right address finally updated. I've updated the first post

[adam92]

Two fishing letters?
Possibly because they think you are nearing Statute Bar?

Just keep a wary eye on these two carrion crows!

To be fair they are quite a way from being SB yet will update if anything else comes

[Roger]

Two fishing letters?
Possibly because they think you are nearing Statute Bar?

Just keep a wary eye on these two carrion crows!

[adam92]

Update to two accounts.

Notably Intrum (standard letter it seems, offering 15 % discount if I can pay X amount this month)

PRA (Overdraft) who I absolutely cannot remember the last time they contacted me it’s at least 18 months if not more offering 10% discount.