To be fair if you’ve been abroad for years most likely I imagine you’ve violated some terms & conditions of having the accounts potentially open whilst you aren’t a resident in the U.K.. I’d imagine regardless you’d struggle with credit history as you won’t have 3 years of U.K. address history too, so it would be at least 12 months before many lenders would probably provide you credit from reading similar articles around it. Just playing devils advocate here… Did you let them know you were abroad or providing an address to send things too in the U.K.?

After having I think 1 letter in nearly 2 years from PRA they’ve sent me one last week stating they will be transferring it over to Moorcroft.. I’m assuming they just mean getting them to do the legwork rather than a sale of the account as there’s not a notice of assignment or anything

Ok thanks DX for your help appreciate it ever so much. Will keep you updated. h

Hi Dx it it is correct

this has been on my mind the past few days and I can’t help but feel it’s all a bit unfair as a system. In hindsight I’d have been better off not making any payment at all & just defaulting 5 years ago with the OC. AG aren’t a creditor, they didn’t extend me any credit (in fact I’ve not had the ‘credit’ for 4-5 years to begin with due to the repayment plan) yet they can put a default on my file in 2021 that potential lenders will see until I’m almost 40.. For me any agreement was terminated at the point of debt sale. Which again was 2 years back now.. Just having a moan/rant I suppose. I understand that’s the way it is & the situation I’ve gotten into. But still stings.

Frustrating after almost 6 years after the payment plan with the OC but Arrow have slapped a juicy default for this debt now for April 2021 on my file and begun reporting to agencies for the next 6 years.. Saving grace is they haven’t given me a compliant section 87 default notice if they take it further.

Received the attached today just to update Apr 29, Doc 1.pdf

Ok thanks DX. Can I just ask what you mean here, I thought if I had a search made a potential creditor/bank would see this wouldn’t they?

Yeah so it would have been 3rd month of plan June 16.

I can do that then this weekend. Although neither DCA or OC reports this on my file so assume that’s not an issue? Just typing this up, can't find a direct template via the search bar so guessing its just a polite letter asking if they can look into it. When the plan began, was paid on time and feel penalised that whilst making good on my end, this is actually more detrimental than being defaulted at the time. And other creditors at the time defaulted myself. And that really between 3-6 months it could have been defaulted. And then see what they say?

This is kind of what I was thinking. To me it should either be defaulted by the OC ages ago. Or when it was sold in 2019 and given to someone else. To do it now seems absurd.

Hey Dx Thanks for that I think thats key - if they did and no-one else can see it say if I applied for a new card, or a mortgage that's great. They are void of my CCA request nearly a year later so from what you've said I'm happy to just wait it out now. My main worry was they'll turn around slap a D on my file, and any checks would show a new default in March 2021. I don't think that contradicts what @Peterbard said above either because at the moment there is nothing on any report.

I know there's a difference between default notice, and a CRA default, which is the latter I'm concerned with at the moment if that makes sense. It states they will apply a default onto my CRA file. "report your default to credit reference agencies"

Hi DX My concern here is all my defaults on my file drop next year. If they slap one on a CRA it’s stuck for another 6 years from now. I believe they ceased interest in Feb/Mar 2016 and the agreement started then. £9-10 a month, until they sold it in June/July 2019. That’s a long time

Thanks I understand now. So there's nothing reported currently, ever since assignment in 2019, in fact the OC removed it a few months before too. Whats my best option to avoid the default? I can't afford paying it all at once, but being a recent (2014) a CCA is likely to be found. Should I contact Arrow to see if we can set up the plan again? I uploaded the DN they sent me a few posts above if it helps. My CCA is almost 300 days without being replied too bar a confirmation but don't think that matters in the current situation.

Thanks DX, that puts my mind at ease a little. Do I have any recourse if they do slap a default on my file next month? Having read a few threads about Arrows they seem to be horrific to deal with and likely to do so -there's other threads where Vanquis have sold debts on without defaulting but they've not been updated that I can see.

I DX I don’t want to appear dim. You’ve stated to ignore them until anything more or a CCA return. I understand that I do. But reading through posts it seems Arrows regularly apply defaults even if incorrect. I just do not want a default on my report in 2021 for another 6 years after for a debt that’s been in issue for almost 3-4 years.

Hi DX, Is it worth me contacting Vanquis to default the account further back? Wouldn’t Arrows become the creditor when assigned and are able to put a default on my credit report from now? Or if they do can I get that removed? Seems unfair when they’ve yet to respond to my own CCA request they are now taking action.

Still no response from NCO (confirmed CCA request in August and said they would request details from AW and account would be on hold. Arrows sent this just now.. Feb 20, Doc 1.pdf

Ah right my mistake. I'm not. Last payment I think 2019

Hi DX, Andy I've received another SAR last week, with all the statements (no extra letters..) Attached a sheet I think it's right - interest/charges I feel this should of defaulted well before it did looking at how many times it was OD and graduated in '11. Natwest.xls

I'll await PRA I suppose. What's odd is going through the SAR is how little there is - no default notice, no collections letters, no assignment notice, there's nothing in it.. 2008 - Signed Account Form 2008 -ID Verification 2008 - Account Open Letter 01/14- Complaint About Overdraft Charges (Jan £54, Feb £90) Complaint rejected but as gesture they cancelled the Unarranged Fees 05/15 - Letter regarding complaint- account won’t be put into default whilst with collections. - over £350 over drawn above the limit of £1250 (However, letter is dated 23rd July 2020…. 05/16 -Letter from CAB Assisting For Account. 08/18 – Response to complaint at Westcott contacting me early hours on behalf of Natwest and rejected.

Hi Guys, Guessing for this I just sit tight for anything else popping in the door? As I stated above I can't really see that many charges applied..

Had an absolute nightmare getting these. Couldn’t get posted out, only to the bank for collection.. I’ve received statements (on actual statement paper not just A4) from around 2008-2013. The account is shamefully from inception pretty much always overdrawn or made right to instantly overdrawn again. A few charges nothing major, but there’s nothing from 2013 onwards... I don’t understand. I’ve letters about charges in that time frame.