Hi all,
I would appreciate some help with a default date.
I took out an Egg credit card on 10/01/2005.
I missed payments and eventually it defaulted but I do not remember when.
But, my credit file says it defaulted on 02/11/2015 and it says it’s Arrow Global now.
I contacted Arrow to enquire about the default date because I don’t remember having the card for as long as 11 years.
Arrow say they purchased the account on 21/12/2014.
I also put in a CCA request with Arrow but they say they have no documents from the original creditor i.e. Egg and nothing themselves.
I've asked for a notice of assignment which apparently is on its way to me since the last month or so and apparently I made a payment of £10 on 7th April 2016 but I don't remember this so I've checked my bank accounts and nothing left my bank accounts on or near this date.
So strange, something isn't right.
I am also confused how the default date can be after the purchase date as from what I understand, Egg would have had to default the account before a DCA could purchase it?
Or am I wrong?!
Would appreciate any advice and information!
Thanks, Jdip