Like a decomposing corpse.

Hi DX I should have said at the time, but in regards to 26 Mar 2007 with Fredrickons I did not receive any letters from them. The first debt letter I received in regards to this matter was in Jan 2009 from Wescott. In regards to the Notice of Assignment (NOA), the recent letter from AG states I received one of those but I never have. The only way I found out who had purchased the debt was from letters from Fredrickson's 2 years ago and when you (or Brig) asked me who their client was. That's when the digging and delving started on this matter. I only started paying towards the debt in June 2010 after receiving a letter from Fredrickson's and stupidly telephoning them about it. Never before. And I always wave my arms around in situations like this. It's the only time I ever get noticed . With thanks. BM.

Hi DX After reading through said paperwork I have come across the following in date order: 26 Mar 2007: Issued to Freds. 1st placement bal £1622.42 21 Oct 2008: Issued to Moorcroft. 1st placement bal £1622.42. I never received any letters from Moorcroft. 5 Jan 2009: Issued to Wescott. Bal £1622.42. I did receive a letter from Wescott in Jan 09. I replied and they wrote back in May 09 just before I moved to my present location. I did reply to their May 2009 letter. 5 Jan 2009: Issued to Wescott. Bal £1622.42. (Written twice on form so I've included also). 2 Dec 2009: Account returned from Wescott. 2nd placement sent for debt sale. 7 Dec 2009: Moved to prime debt queue as prepared for debt sale. 7 Dec 2009: Account prepared for prime debt sale. 19 May 2010: Closed Status. From account not closed to sold ac to a CAIS member.. This must be when Fredricksons took over because I received a letter from them in June 2010. Is this information you were requiring? If it is I hope it makes sense. If you need anything else please do not hesitate to ask. With thanks. BM.

Hi DX and Brig Sorry I wasn't online yesterday. BRIG: The letter from AG is on Page 15, #293, dated 23 November. I had to type it out because I have no ink in my printer and it needs ink to scan. In January 2009 I received a letter from Wescott Debt Collection Agency re NW. I wrote back. They replied in May 2009, about a week/ten days before I moved to my current address. I didn't give them my new address. Unfortunately I now longer have Wescotts letters only my replies on my computer, and I don't know who their client was either. Sorry. You can tell I was rather green behind the ears in the early days. The next thing that happens is I receive a letter from Fredricksons in June 2010 and that is when I stupidly telephoned them, was threatened to pay, and when I started to pay £20 per month from June 2010 to October 2011 when I heard about CAG. Unfortunately I don't have all correspondence from Fredricksons, the first letter I have is dated 30 November 2011. I received a letter before that date but a friend I had at the time tore it up into little pieces before it was opened, and it became an 'impossipuzzle' and I had no choice but to just throw it away. I also don't have the first letter from June 2010 either. However, on their letters they state that Arrow Global is their client, if that helps. However, I have kept all letters received from Rotterdales, commencing April 2012 to September 2013. Does this information help at all? If you require anything else don't hesitate to ask. I can take photos of letters and post them up if that will help. Thanks again. BM. P.S. Companies like these don't like people like me who fight them do they? . I've always fought the system. I'm trying to help my brother out at the moment. Shipping clerk. 12 hour shifts. Not allowed to have any breaks, not even 'personal' breaks. Something wrong there.

Brig Thank you for replying; as always it is greatly appreciated. I would absolutely appreciate your help and assistance with this situation. Between you and DX you have both been my saviours with this situation and I have always, from the start, been very grateful to you both for the help, assistance, and time you have given to me in regards to this matter. Please, write away because to be honest I'm not really sure what to say/write as this situation is new to me so I'm kind of panicky a bit (sorry dx - boring ). Thank you for you continuous contribution. I am very grateful to you. BM.

That bad huh? I know my brother was only trying to help, but would appreciate additional if it means getting the words on paper correctly and legally &c.. With thanks. BM.

Hi DX I have typed out the letter my brother write to AG, changing only one word (he didn't use the word 'gum') and attached as a PDF. Let me know what your thoughts are. I am more than willing to change anything you deem inappropriate/unacceptable, or add something you feel necessary. With thanks in advance. BM.

Hi Would it be possible for some additional advice on this. I ask because AG, according to their recent letter, have given me 31 days to 'get this sorted' and I need to know what to do in case they throw the big book of debt and accounting at me. With thanks. BM.

Hi DX The boxes on the form have been crossed for 'No', so how would I be able to reclaim PPI and CPP? I'm sorry for the late replies but my brother visited me today. He knows about the situation and I showed him the letter and he was horrified, saying that it smelt and smacked of being patronizing. I have also shown him the statements so he could see for himself that the amounts paid have not been debited from the NW debt itself as the statements still show the full amount outstanding, and if I was to request a statement for last and this month they will still show the full amount outstanding. After showing him the letter I wrote in September he said that AG have clearly not replied to my query in regards to why those funds have not been debited, and have just sent a 'statement' detailing the dates and amounts. I can upload that if you are interested in seeing this (no printer, would use camera again). In anger on my behalf he wrote out a letter for me to write and send to them but I'm not sure if to or not. Thanks again for your help. It is appreciated. BM.

Hi Brig As I'm not up on this, what do you mean in that something is not right in that the debt was not traded until 2011? With thanks. BM.

I am currently living on welfare, am in the receipt of Employment and Support Allowance and am in the Suppport Group. I do not have physical disabilities but mental health problems, which I have had since I was a child with additional as an adult. Amongst them I have A.D.D., O.C.D., depression, Avoidant Personality Disorder, Anxiety, Post Traumatic Stress Disorder/Rape Trauma Syndrome, Body Dysmorphic Disorder (which has led me to have chronic shyness), and too many more to list, each one affecting the other. I feel at times they are all holding hands with each other. I don't go out - I'm a recluse/hermit/hikikomori, and feel much safer in doors. I go out because I have too (to see a therapist and do food shopping), and once my food shopping has been purchased I don't go out for another two weeks. Being and 'living' like this isn't fun, and it isn't how I envisaged my 'life' to be, and yes, it despresses me, which is where the therapist comes in. Early days on that though. If I could be the opposite of how I am at the click of fingers I would love it. I think about what I was like before I was raped - happy, likeable, friendly, outgoing. Now I'm sad, unlikeable, hostile, and a recluse. Not my idea of a fun life that's for sure. This was just written as a 'heads up' to someone who is on the ESA Support Group system. Just to let people know what it is like living with a non physical disability and mental health problems.

Hi DX After checking sent letters I had to admit that when I wrote to NW I sent them a copy of the payments received by me to Freddies as proof that I had been paying and to enquire as to why those payments were not being deducted/shown on the NW statements from June 2010 to October 2011. Up to June 2010 the outstanding account was £1622.42, and then from the above two dates I paid £20 per month until I stopped payments in October 2011. I take it that was bad move on my part? How would AG use that against me? I am not happy that the payments made are not showing on the statements because it obviously looks as though NW are not being paid but someone else is, and they want me to continue paying the debt off to line their pocket and not NW's. The letter from AG doesn't sit right in my gut (sorry for the language), and something smells a little off to me. They (AG) are trained to write such letters in the hope of stirring payments, but this kind of thing doesn't work or wash with me and I have a tendency to keep pushing and pushing. My nature I guess, and I admit that it might not always be a good thing to do. But one thing I don't do, and like doing, is rolling over on my back and having my balls played with as opposed to having my tummy tickled. Again - I apologise for the language and I don't mean to offend anyone. Apologies if I have. Have I shot myself in a foot or both feet here? They suggested external debt companies, and took a look at STEPCHANGE, who coincidently my next door neighbour is dealing with at the moment. I just looked out of curiosity because it isn't a path I like the idea of walking on. Thanks again. BM.

Hi Brig My memory has been jolted in regards to this form. The credit card was offered to me at the time of my opening a NW bank account, and because they had my details on file - name, address, &c., he said he would fill those in afterwards. At the time I did ask what CPP and PPI were and he explained them to me. I did think at the time they would be ideal for me because hey, who knows what is going to happen in the future, so I said 'Yes' to those. But I signed the form before all details were added, so I signed a blank form. Stupid me I admit, but he was in the 'know' so stupidly I trusted him. I've learnt my lesson there that's for sure. Makes me wonder how many other people he 'duped' into this also. I hope that helps. With thanks. BM

Hi Brig I thought that too, have to be honest. Took them 5 months to get it though (I asked for it in June). However, after seeing this form for the second time, I remember I signed it before all other details were added, such as no to credit protection and all that. Would that matter? BM

Hi Brig Yes I did sign it but that isn't my handwriting for the date. BM

Hi DX Thank you for replying and boring you with my 2 YEAR wit's end. I'm a pessimist. I can't help it in situations like these. I have taken photos of the CCA, erased details, and uploaded as PDF's. I have in possession all copy statements from NW from the months the payments were made, and not one of them is showing on a statement. The statements from those dates still show the full outstanding amount. The only proof I have of the payments made is a receipt I downloaded from the Freddies site on my account. They aren't showing on the NW statements, which was the reason I wrote to NW, who passed the letter to AG. They couldn't (be bothered) to reply to me about it themselves. If you require any futher info just ask. Thanks for your time: it is appreciated. BM

Dear all I received a letter from ARROW GLOBAL yesterday re. my complaint. Unfortunately I can't scan it because my printer has run out of ink, so I'm typing it. Good job I can touch type. Here goes: Dear ? DEBT OWED TO Arrow Global Limited ASSIGNED BY Nationwide (ACCOUNT NUMBER ?) We write further to your letter dated 16 September 2013 and addressed to Nationwide Building Society. Your correspondence has been forwarded to Arrow Global because we are the assignees of your account. We are sorry to learn of your concerns. Having reviewed your comments we understand you are unhappy as you have made repayments to Fredrickson International Limited which you do not believe have been allocated to the account. Furthermore, you are unhappy with the conduct of Fredrickson International Limited. Please let us know if we have misunderstand. At this stage we believe it would be useful to explain that Arrow Global acquired the account from Nationwide Building Society on 20 April 2010 with an outstanding balance of £1,622.42. The account originally related to credit card reference ?. At the time of our assignment we sent you a Notice of Assignment (NOA) pursuant to the Law of Property Act 1925. Our intention to continue to report your account to the Credit Reference Agencies (CRAs) was explained in the Fair Processing Notice which accompanied the NOA. The original creditor defaulted your account on 1 February 2007. We are obliged to continue reporting the default until such time that the default expires, the default is satisfied or we have receive evidence to suggest our current reporting of the default is inaccurate or erroneous. The account naturally expired on 1 February 2013 and is no longer being reported to the CRAs. Arrow Global works with a number of agencies who manage customer accounts on our behalf. In line with our usual business procedure the account was placed with the following agents: External Agent Fredrickson International Ltd Date Placed with Agent 14 June 2010 Date Recalled By Agent 24 February 2012 External Agent Rossendales Collect Date Placed with Agent 19 April 2012 Date Recalled By Agent On Hold Arrow Global prides itself in providing a high standard of customer service and we would like to assure you that we have a high expectation of all colleagues and external agents in respect of their conduct. We regularly monitor telephone calls and correspondence for training purposes to ensure that our customer service expectations are met at all times. We take all allegations made regarding the service we provide to our customers seriously and investigate the complaints thoroughly. In order to investigate your allegations fully it was necessary to obtain further information from Fredrickson International Limited. Although, we regret any in convenience or distress you may have experienced, we are satisfied that Fredrickson International Limited met our high standards whilst handling your account. We do not agree with your allegation that they used ''bullying tactics''. We are sorry you felt threatened, however we can assure you this was not Fredrickson International Limited's intention. Further to your concerns that the repayments you have made to Fredrickson International Limited have not been allocated to the account, we have attached a statement of all payments received. If you believe you have made any repayments which are not shown on the statement attached then please contact us immediately and provide us with further information so that we may begin an investigation to allocate the payments. We acknowledged your request for a copy of the credit agreement pursuant to the Consumer Credit Act 1974 of 16 October 2013. We are pleased to attach a copy of the credit agreement for your information. For the avoidance of any doubt, we confirm: a) The account is in default b) The total sum outstanding is £1,302.42 c) The amounts which will become payable comprise interest and costs, depending on what enforcement action is taken against you. We understand that you may be experiencing some financial difficulties. Following information we have received from the Money Advice Liaison Group (MALG), it is our usual business procedure to request information regarding an individual's income and expenditure when making a decision regarding the outstanding balance and the repayment of an account. We have enclosed an income and expenditure form for you to complete and return to Rossendales Collect. The MALG believe this information can help organisations make better and fairer decisions on what action to take when an individual has reported that financial difficulties are affecting their ability to manage their money. This is a necessary step to help Rossendales Collect make a fair decision regarding how to manage your account appropriately. We note that you have previously requested assistance from a third party, in the circumstances you may wish to seek independent advice from one of the following fee free and not-for-profit organisations: StepChange Debt Recovery, National Debtline, Payplan (ADDRESSES, PHONE NUMBERS, AND WEBSITE DETAILS GIVEN. I'VE NOT GIVEN THEM HERE) We will continue to hold the account for a a further 31 days to allow you to consider our response, seek assistance and contact Rossendales Collect to discuss your repayment options. We hope we have answered your complaint satisfactorily. If you feel we have misunderstood your complaint or you have further details you believe we should consider, please do not hesitate to contact us. If you remain dissatisfied you can refer your complaint to the Financial Ombudsman Service. We have enclosed a leaflet blah blah blah. Yours sincerely. Arrow Global MY RESPONSE The forms they stated they have included with this letter they have, including the CCA with my signature on it. I am not going to complete and send back the Income and Expenditure form. They can whistle dixie for that. I found the letter patronising. They stated that I was not ''bullied'' on the phone back in June 2010, yet they did not receive the phone call, I did. But they would say that, wouldn't they? This is all new to me but know that some of you out there have experienced this sort of thing in one way or another, so as always I would be grateful for any advice you can give to me. I'm not contacting the help centres they suggested either. Now I'm at my wit's end. So what's my next move? With grateful thanks as always. BM

Hi DX Thank you for replying. Yes they have passed the 12+2 days, and at your suggestion I sent them a failure to comply letter. I'm assuming by your reply that at the moment they cannot pursue me for this money. Is that correct? With thanks. BM.

I personally don't know where to start with your message. Stop writing in slang. Your spelling is atrocious, as is your grammar. Did you not go to school or is English not your native tongue?

Dear All I received the attached PDF letter from ARROW GLOBAL along with the enclosure of my £1 postal order for the CCA file that I requested back in June 13. I would be very grateful if someone could explain the contents to me and what happens now. I wrote to NATIONWIDE recently, at CAG's suggestion, and I received a letter a few weeks ago informing me they would reply to my 'complaint' by 24 Oct 13. No response as yet but two days to go. Any help and advice is, as always, gratefully appreciated. Thanks in advance. BM.

That is correct. I requested a CCA in June but they didn't reply within the alloted time, so I sent a letter, at CAG's suggestion, in regards to them (rotterdales) not contacting me and returning my £1 fee. Since then I keep receiving these 'holding complaint letters', saying they are still looking in to it and need further information. Is this a fob off of some kind? BM.

Sorry. Forgot to do that. I was a numpty. I've now uploaded it as a PDF. While I'm here: I keep receiving letters from rotterdales, the content being an apology for not replying to my complaint and telling me they will reply in 10 days time. The complaint in question is in regards to the CCA request that was not fulfilled by them and me asking for the money back. This is the third (if memory is serving me well at this time of night) letter I have received with this content. Any ideas? With grateful thanks. BM.

Hi DX Thanks for that. I did actually use 'cash cowed' in my letter . A query. I was going through my statements last night, and Nationwide have not sent me a complete year for 2007 (only sending January and February), and they have duplicated 2008 and still no January, February, June and July. I have written to request these. However, looking through the statements for when I made payments and for the fees, I notice on the February 2007 statement on the second page a calculation I don't understand. I have scanned this page, removed all relevant details, and I have uploaded it, and am asking if anyone knows what it means. With grateful thanks in advance. BM.

Hello Here to help. I'm with nPower. This is what I do now. I'm on welfare due to health problems. I used to pay a monthly amount via direct debit but I personally get myself in to such a mess with them, mainly because funds are debited on various dates and I couldn't keep up with who had been paid, who hadn't, and what funds were mine to spend. I started to pay nPower directly, but they were messing up my account. So instead, I opened an e-savings account on my online bank, and I deposit £25 per fortnight in to this account. However, each quarter I was always short, but continued to pay nPower direct each fortnight until the bill was paid up. One month I was £6.91 in arrears, and my account had been sent to their collections department. The funds were due to be paid the following week. I came up with an idea, something better, and it works, and I'm going to pass it on. To you, and everyone else. At the end of June, when my last quarter bill had been paid, I decided to send nPower monthly meter readings. To be honest, I thought these would be 'held' until three were sent and then a quarter bill posted out. Imagine my surprise when I checked my nPower account the following night, only to see if they had received my £6.91 payment, to find they had sent me a bill for my previous 27 days usage. I had some funds left so paid what I could, and I paid the remainder two weeks later. Since then, I send nPower my meter readings EVERY 4 WEEKS/28 DAYS, and I pay the moment I receive the bill online. Even though they mess that up at times (PDF bill with no hyperlink). Do you bank online? Do you receive both electric and gas from nPower? Not that that matters - just asking. Do you have a nPower online account? If not - set one up. They will need your 10 digit customer reference number, a passname, a password, possibly an email address and contact telephone number, but they will DEFINITELY want up to date meter readings. All of this is required when setting up the account, so take the meter readings first so they are to hand. When you receive a letter/statement from nPower they give their bank account details on the reverse of their paperwork. Make a note of it, add it to your payee on your online bank account. CANCEL YOUR DIRECT DEBIT. EVERY 4 WEEKS/28 DAYS take your meter readings and send them STRAIGHT AWAY to nPower via their website. Give it 24-72 hours, check the website under BILLS AND PAYMENTS, and there should be a statement in PDF format on your account. There will also be a debit amount showing. To view the bill, which is the exact same one they post to you (although they won't post it to you), you click on the hyperlink and it saves it to your computer. Check it. If you are happy with it then pay the bill. I've been doing this since the end of June, and I will do this again on 18 September. I have no problems. The only bill that is paid quarterly is the elec/gas; all others are monthly. Now all of my bills are monthly. nPower wanted £58 per month from me. To date my bills are £26 per month less than that, but I know it will cost more in the colder months. I'm prepared for that. I will send meter readings every two weeks. nPower give customers approx. 7-9 ways to pay, and online payment is one of them. You will not be doing anything wrong or breaking any laws. Just trying to help. BM.

I know this is a stupid question, but what do I write to Nationwide Head Office in regards to the debt not being deducted from the statements? Do I send a 2 line/1 paragraph just asking that, or give them some background on the case? I've printed off a copy of the FREDPAY receipt so they will have a record. Any idea will be gratefully appreciated. BM.