Hi. Just a bit more information. The loan was taken out in march 2006, and was classed as defaulted in April 2008. There has been no communication with the company since then. About a few months before the default was due to drop of my credit file the account was marked as settled. Then in April it disappeared from my file all together. Is this debt still enforceable and what should I reply to these solicitors? Thanks manxguy

Hi all. I had a loan with vw financial services for a car back in 2006 due to various reasons I defaulted on this bak in March 2008. The default then went of my credit file in March of this year. Today on arriving home I received a letter from dwf I think they're solicitors asking for the outstanding balance within 14 days.they're saying should I fail to pay they will advise there client to take court proceedings. They also say to communicate only with them.any Ida on what I should do? I think it wasn't enforceable after the 6 years had passed. Kind regards Manxguy

Hi all. Ive suddenly had calls from Scottcall,about 1 a day for a debt with hSBC form 2006. £462.00 This debt has never appeared on my credit file and last payments were made in the end of 2006. I guess they are trying there luck as i imagine they have recently brought the debt. Can anyone tell me the procedure to go through to tell them toprove or stop calling? Kind regards Chris

hi guys. the saga continues with this one. Having heard nothing for nearly a year now i got the other day a letter from clarity... Similar stuff saying theyre acting on behalf of Arrow global.. As i never had my cca request fufilled by wescott and arrow,do i now send one to clarity? manxguy

hi. duly noted.. Is there a letter i can send to them about the debt? and my claim that i dont owe all of this.the guy on the phone claimed that i had to get in touch with virgin or the solictiors re the contract i had and not them.

Hi all. I had a virgin gym membership up to august of last year.it was a monthly contract not a 12 month signed up for thing,I know this as i payed more money for it and they kept sending me letters to sign up for 12 months. well like all things i found i wasnt going to the gym after my official enthusiasm,and i eventually cancelled the direct debit,i stupidly didnt write to them saying i wanted to cancel,but as it was a monthly rolling contract i didnt worry as i thought id only have 1 or at worst 2 months to pay. so my surprise i get a bill from them for £156.00!! which they have now passed on to scot call.ive ignored all there letters but today spoke to someone on the phone,i said i refused to pay anything as i was on monthly rolling contract etc and didnt agree i owed that much,i aslso asked for a copy fo the contract to check. he said they were only debt collecters and this was a final call before i had a door step visit. i saids i was paying nothing till untill it was sorted the exact amount i owe.he then promptly put the phone down on me. so my question is,what do i do now? i obviously dont want someone calling,i know i owe something but not that amount. any help would be greatly appreciateed. manxguy

Hi all. I sent my letter to arrow global (default) and ive had another response from them the other day. Dea sir. RE; new address We thankyou for your recent contact in which you informed us of a differnet address.Under the data protection act 1998 we are required to verify this address,therefore we would appreciate it if you could provide us with two of the following; bank statement,utility bill etc etc.. alternatively,you can verify your address by contacting us on the telephone number below. ... So basically they ignored the default letter i sent and insist on me verifying the address. also the other agency that were contacting me have stoped. any thoughts? manxguy

sorry to appear dumb,so is there a template letter in the library i can use? no it was a totally plain window envolope,theyre based in the centre of manchester.. manxguy

what is strange is that the envolope they sent everything in has no post mark or anything.just a window envolope,im assuming they posted it through my door themselves.

so i should send the CCA request again but to the compliance manager, i cant seem to find an account in dispute letter in the libraryt.

shouldnt i just send them the default letter as they did take a month to reply and even then didnt act on my request.

hi. yes your right actually.the original contract would of been at a previous address. but then again theyve managed to chase me up now anyhow,and ill im asking them is to prove it so to speak.theyre the ones writing to my new address here(ive been here 4 years actually)so i dont really get it. manxguy

no,its always the been the same address. I have actually never recieved a letter from arrow global this is the first one.First was from westcott stating they were collecting on behalf of arrow global.so i originally sent cca request off to wescott,they returned it saying i had to send it to arrow global which i did.now this 3rd group are involved credit securrity limited. manxguy

hi guys. thanks for those replies,im afraid i didnt send a default notice off and today i have recieved the following letter from arrow global with my £1 postal order and letter returned. Dear sir. we write further to your letter dated 28/07/2011 (date of the letter they recieved it on the 5th) ,of which the content has been noted. Until such time as we receive verification of the above address,we are unable to comply with your request for copy of documents under the consumer credit act 1974.we are therefore return your postal order for £1.00.if you wish to discuss this matter further please contact us on . then under neath in bold it states TELEPHONE THE NUMBER BELOW TO VERIFY YOUR ADDRESS.. Ive also recieved today a letter from credit security ltd chasing up that very debt on behalf of arrow global and offering to accept a reduced sum of 1688.42 if i pay before the 15th. so im at a loss here.i thought they were legally obliged to give me the information,what by returning everything do i do now? help please

Hi all. I sent a CCA request of to Arrow global on the 5th august by recorded.Havnt heard anything yet back from them(how long do they have to reply?) but i have now being recieivng letters from another company usual threats pay immediatly door step agent etc.and they say thet are acting on behalf of westocot and arrow.Have sent a letter to them today stating that i have sent a cca request to arrow. manxguy