hi all, firstly im starting to panic as i havent heard a thing from Arrow since i sent the LBA recoreded delivery, the default is still on my credit file, i have posted what i consider a brief description of the claim, but donk know if it is ok or not, and also do i need to SAR them so i dont shoot myself in the foot if it does go to court. any info would be greatly appreciated as im starting to panic. please help:confused:

IS this ok for my POC, please advise, patch :lol: i had taken a loan out with universal credit in nov 1994. Due to unforseen circumstances i defaulted on this loan in 1995. A default was registered on my credit file. In mid to late 2003 a company called Paragon contacted me and said i had to pay the outstanding balance to them. I made payments to Paragon, and was then contacted by Arrow in Nov 2006 to say they had bought the debt and my payments should now be paid to them. They wanted 3 times the amount i was paying to Paragon, i told them i couldnt afford that amount and i would pay what i could afford. Arrow placed a default on my Credit file in Feb 2007, i asked why and was told that as they now owned the debt they had to default me. I asked for a copy of my CCA via the correct methods, everything recorded delivery, and the default was removed. Exactly 1 year later the default was replaced on my credit file (July 2008)and a copy of my CCA turned up 15 months after i requested it. I am asking that the default be removed from my credit file, as i belive that the default is unlawful and the debt is statute barred, as i had not acknowledged or contacted the debtor between 1996 and 2003 and this is over the 6 year period.

hi all, how do i go about getting court proceedings together. do i need the small claims, county court or what. any info would be greatly recieved as the default is still showing 30 days after the LBA was sent, and obviously no response from Arrow. ta, patch:lol::lol:

hi all, still heard nothing from arrow after the 14 day period. what is my next course of action. regards, patch:)

hi all, letter sent today, 24th, recorded delivery. So we shall see what happens patch:):)

hi SH, thanks for that, all info greatly recieved patch:p:p:p btw what do you think of my LBA

Hi all is this any good LETTER BEFORE ACTION. Their ADDRESS MY ADDRESS Dear Sir Madam, I refer to the above account number regarding my account with yourselves, it is my belief that the debt that you have purchased from Paragon on 30th November 2006 is statute barred, the reason for this is that I was originally defaulted in 1995, and Paragon bought the debt around 2003, thus making the debt statute barred as I have had no contact or acknowledged the debt in a six year period from 1995 till 2003, therefore it is my conclusion that the default you have registered against me is unlawful. If you don’t remove the default within fourteen days a county court claim for removal and damages will be issued with out further notice. You have 14 days to reply to this letter. Regards, Blah blah blah

hi postggj, i certainly arent thick, but im having a bit of trouble understanding the procedure i have to go through to send this LBA, do i need to inform Arrow that they have bought a statute barred debt, do i need to get the excact dates of defaults etc, so i have a paper trail etc. i aint really sure what to do here or what to put in my letter, any advice would be greatly appreciated, also what is the situation wit Paragon, the original DCA from 2003 Ta, patch:):)

Hi guys, im looking for some very much needed help. In 1994 i got a loan from Universal credit, i defaulted on the loan late 1995. I then moved and in 2003 a company called Paragon said they bought the debt and that i owed them the money (I payed a small amount each month). In Nov 2006 Arrow/CBS purchased the debt and want nearly 4 times the payments etc. which i managed to reduce and i payed a couple of months. In Feb 2007 they placed a default on me. I used this website, with excellent success, in getting the default removed from my credit file. I went down all the correct routes, CCA request(i never recieved my CCA), S10 and S12 (i think), anyway, it was removed, happy as larry, THEN exactly a year after it was removed it appeared again!! I rang CBS/Arrow who the debt was sold too, and within a week a copy of my CCA appeared (15 MONTHS LATE) on my doorstep with some waffle stating; "it is a requirement that when a debt is purchased the default is registered in the name of the purchaser. There should therefore only be one default registered but please let us know......." where do i go from here, the CCA terms, if you can call them that, doesnt have any reference to providing credit reference agencies with info etc and the CCA was signed in 1994, i was defaulted in 1995. Is this CCA enforceable, where do i go from here, has the statute barred thing come into operation as it was 8ish years till they contacted me, has the DCA messed up by sending my CCA 15 months late etc. btw i have all the paperwork and recorded delivery slips as proof that everything was sent, where do i go from here, surely you cant be defaulted twice from the same debt.... is there any way i can get hold of all the info from my account please help. patch666:-)

hi there, i havent had a default notice from arrow/cbs since they bought the debt, nothing formal at all, they just defaulted me. do i just ignore them, there isnt much else i can do, cos they have provided me with a CCA, where do i go from here patch666

hi all, i dont think i have made myself really clear on this subject, i know the CCJ and default were actioned around 1995/96, so does this mean i can be defaulted again, i never paid the debt abd all relevanve of the debt was wiped until last year, im getting a bit confused. what is bugging me, is can i be defaulted for a debt ive already been defaulted for, and is this CCA enforceable. regards, patch666

hi there, idainfife think it is sorted now, hope you can read them, was paying arrow up until i CCA'd them last year, hope you can help me. i got the CCJ around 1996, then started getting hassle from paragon around 2004, paniked like everyone does and started paying up, silly i know, but didnt know about this website:evil: hope these can get me out of a hole............... thanks. patch666

Hi guys, im looking for some very much needed help. I used this website, with excellent success, last year, in getting a default removed from my credit file. I went down all the correct routes, CCA request, S10 and S12 (i think), anyway, it was removed, happy as larry, THEN exactly a year after it was removed it appeared again!! I rang CBS/Arrow who the debt was sold too, and within a week a copy of my CCA appeared on my doorstep with some waffle stating; "it is a requirement that when a debt is purchased the default is registered in the name of the purchaser. There should therefore only be one default registered but please let us know......." where do i go from here, the CCA terms, if you can call them that, doesnt have any reference to providing credit reference agencies with info etc and the CCA was signed in 1994, i was defaulted in 1995 and a CCJ on top of that. Is this CCA enforceable, where do i go from here, please help. patch666:)

Hi guys, sorry to hijack this thread, but I have posted on this thread before, basically I'm in a situation which is very good for myself at this moment in time, but I was wondering about the long term issue............. In a nutshell, done the CCA thing, they (Arrow/CBS transcom) defaulted, then I recieved a snotogram from "Copes" sloicitors, told them that no CCA means no enforceable debt, until it is found no more payments will be forthcoming. Heard nothing since 16th June. I then sent an S10/S12 asking to stop processing my data, as they had filed a Default against me. On the 6th August got another letter threatening Court action if I didn't pay before 13th August, again told them to shove it, told the Solicitors to liaise with their client regarding the CCA issue, I then checked my credit file on 14th August and all trace of the default, amount, company address had vanished, dont ask me how, but how can they go from court action one week and then remove all data!!! My question is what happens now, do I take then to court, to get a zero balance, or do I carry on with my life and hope they haven't sold this debt to another DCA, on one hand I'm over the moon as things are getting better in my life, or do I wait for another kick in the bol**cks:o . Any help will be greatly appreciated:) patch666

Hi guys, I have written on this site only a few times regarding getting a default removed from my credit file, I did the usual CCA thing, no reply to this day from my original CCA request on 1st June 2007, sent Arrow Global/CBS transcom follow up letters, and got the usual reply(NOTHING!!). Got a snot-o-gram from their sloicitors "COPES" incidentally registered at the same address around mid june, and then nothing. When I sent them an S10 or S12 letter they came back and said I had 7 days to repay the outstanding balance or they were going to take me to court. I then sent the Sloicitors a reminder that I had asked for a copy of my agreement from their client, and as they had defaulted on my correctly formatted request they could go and whistle:p . Checked my credit file on wednesday and its DISAPPEARED . No mention of any outstanding balance, nil amount owing, no infomation about the debt, absolutely Zippo. dont know whats happened, but its all through CAG, the only thing that is worrying me is that they have sold the debt to some bogger else and I'll have to go through it all again. Any suggestion what to do next. patch6666