Debt Diary 2020

[PlanB]

Oops won’t do that again.

Letter from Arrow basically stating confirmation that an agreement between “(Vanquis now Arrow Gobal.. and me) has automatically ended and they’ve applied a default on my file.

And to get in touch with NCO (who still haven’t heard from since the CCA request last August) and if an agreement can’t be made (calling the amount in full) they’ll look for other options like a debt collection agency.

It’s fine - I wasn’t telling you off, I’m just watching your back to help you not to make things worse for yourself

I don’t know the full details of your debt but I think the account should have been defaulted (following a compliant Default Notice) and terminated prior to it being assigned/sold to a debt purchaser.

You say Arrow has not complied with your CCA Request from last August (2020) so if that’s the case the debt ought to be unenforceable regardless of any other potential statutory breaches.

Di

[adam92]

Oops won’t do that again.

Letter from Arrow basically stating confirmation that an agreement between “(Vanquis now Arrow Gobal.. and me) has automatically ended and they’ve applied a default on my file.

And to get in touch with NCO (who still haven’t heard from since the CCA request last August) and if an agreement can’t be made (calling the amount in full) they’ll look for other options like a debt collection agency.

[PlanB]

Received the attached today just to update

It's best not to upload documents on the forum because some debt purchasers or their solicitors read threads and could use the information against you.

I've removed that letter just to be safe since relevant dates were visible.

When you receive correspondence simply post who sent you the letter, and what it said briefly.

Di

[adam92]

Received the attached today just to update

[adam92]

Was there a credit agreement amongst them, or just masses of statements and reconstituted Ts & Cs?

Di

Hi Di

Will update the first post with the info:

Idem sent me a note acknowledging my request for CCA (Overdraft) and they couldn't enforce at the moment as they don't have it, but have requested it and included a account statement.

(Recorded and signed for)

Lowell have sent me what appears to be a compliant CCA but I'm sending to Niddy now to check via email. Also includes OC pages and pages of statements.
(Again it was a recorded and signed for envelope)

[PlanB]

Received an alarming treasure trove of documents today to a request which I’ll upload and send to niddy for checking.

Was there a credit agreement amongst them, or just masses of statements and reconstituted Ts & Cs?

Di

[adam92]

Received an alarming treasure trove of documents today to a request which I’ll upload and send to niddy for checking.

[adam92]

Update - Credit Card

After speaking over the phone with a gentlemen from Joanna Connolly (much appreciated) we came to the conclusion that I’d like to avoid court wherever possible.

And I’m not disputing repayment the issue & potentially the wrong decision; I stopped payments when they failed to comply with my CCA request.

In a nutshell


Missed payment. Payment plan agreed.

Sold 3 years later never defaulted.

CCA sent.

Termination letter from AG received. (Not a valid notice of default Di has explained)

Reading other threads it seems there’s nothing I can do to stop AG applying a default (D) on my credit file.

So the risk is they may or may not next month.

—-

I could potentially source 30% of the debt and make a final offer on the provision no damaging CRA info is made.

Or continue the previous payment plan and prevent damaging CRA info.

Does that sound advisable to anyone to avoid a CRA default?

[adam92]

Can I please extend thanks to Colin at Joanna Connolly Solicitors who picked up my emails this week in bit of a mess around the CRA potential default with Arrows. Replied swiftly and most patiently with all my questions. Even though I'm still concerned about next month and what or what not to do if that may come, at least enforceability wise he's rationally explained my position and aided me greatly.

[adam92]

Hi Adam

I think you should send a very simple letter to Lowell- nothing more

Something along the lines of

'Thank you for your letter. I do not recognise the email address you quote. Please send all communication to the address on this letter'

Make sure you keep a copy of this letter and proof of posting- 2nd class is fine.

Please let us know if you hear more.

Thanks! Will do

[Warwick65]

Hi Adam

I think you should send a very simple letter to Lowell- nothing more

Something along the lines of

'Thank you for your letter. I do not recognise the email address you quote. Please send all communication to the address on this letter'

Make sure you keep a copy of this letter and proof of posting- 2nd class is fine.

Please let us know if you hear more.

[Warwick65]

I’m assuming this is the Capital One account

[Warwick65]

Hi Adam

Got your message
Let me have a think.


There are pros and cons to doing everything. I’ll get back to you tomorrow ( 1 day won’t hurt).

[adam92]

Sorry for bothering everyone again, I’m wanting to ask if I should be contacting Vanquis to default this much sooner to avoid Arrows hitting me next month?

Seems arbitrary that they are going to do that when NCO told me no further action would be taken until my request was supplied.

To be honest I’m just panicking about another 6 years with a default and nervous about waiting.

[Joanna Connolly Solicitors]

AG used to try and say they were not the creditor and therefore not liable

I sometimes wonder whether that's not wholly inaccurate if there could be 'assignment issues' . . .

Di