Hi, I have today received a very upsetting letter from a company called wilking chapman llp solicitors in Grimsby stating: "Arrow Global Limited We write to advise you that a Claim form has been issued at the Court. The Court will serve the Claim form upon you shortly. The Claim form includes a claim for costs and interest as well as the outstanding debt. Please direct any correspondence or queries you may have regarding this matter to us, and not to our client direct. Please ensure all cheques are sent to our office made payable to Wilkin Chapman LLP. Yours faithfully (actually signed Wilkin Chapman) WILKIN CHAPMAN LLP Arrow Team " I do not have any idea who Wilkin Chapman or Arrow Global Limited are, but did have a very old Direct Line loan (that was last consolidated around Aug-Sept 99,with ppi) that as far as I was aware had either run out of time, or they had finally realised it should've been settled on ppi (due to my losing my job and being unable to pay the monthly instalments whilst I was off sick on no/half-pay etc etc prior to losing my job).At the time they would not pay out because I had missed payments due to being off work so they said it 'invalidated' the claim(!) IF it does relate to this, because the letter does not include anything that relates to Direct Line or even anything about the amount owing or anything (there is a reference that starts with DEBT/ART ) then surely they would contact you prior to starting court proceedings? I am still unable to work due to disabilities & ill-health and the last contact I had was from a company called Bell(?) I think, who never contacted me again after I spoke to them on the phone and asked them to supply me with the paperwork relating to the alleged debt as I had never taken out anything with Arrow - they literally went away to sort it out and never came back, and that must be about 1-2years ago. Had Wilkin Chapman contacted me previously I would've had the same conversation with them. Please advise me what is the best way to react to this letter? does this mean they have actually issued a court action of some kind? or is this just a threat-tactic etc? I am really worried and have a lot of ill-health so cannot cope with this kind of stress - also if it does go to court would it be a court local to them in Grimsby? as I could not travel there either. I sure hope some of you can help as I am in such a panic now. Thanks in advance. NOTE: Claim form has now been received 14/2 Unbelievably having received that letter from Wilkin Chapman yesterday, without any prior contact, I have just had in the post a claim form from Northampton (CCBC) County Court which states in particulars of claim: The Claimant's claim is for ________ (removed) being monies due from the Defendant to the Claimant in respect of a regulated load agreement between the Defendant & Fairmile Partnership 1 LLP (then a number in brackets) and assigned to the Claimant on 13/05/2011, notice of which has been provided to the Defendant. The defendant has failed to make payment in accordance with the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. The Claimant claims the sum of __________ (removed) they then add £190 for court fees and £100 for solicitors fees. The Claimant at the top is shown as Arrow Global Limited at an address in WC1 The Claim form is signed by a Christopher Richard Grocock So what I should do now? I do not want to login to the link given until I know how I should respond. This was sent via normal post in a brown envelope/not regd post etc. I am presuming that this must relate to the unpaid loan from 1999 due to the figure (Between £6-9000 have removed the exact figure in case anyone from those companies reads these forums) which would be around the right mark + I don't owe anyone else that kind of money etc... I have no idea who Arrow Global or Fairmile are??

Hello All; I have spent quite a few hours reading around in the hope of finding all I need but I would like some clarity if possible. It seems as though my case is far simpler than others. I am on my own now after many years married and am trying to manage thing responsibly as I always would have liked to do (if you catch my drift!). I have, over the last 3 years, paid off many debts slowly and am down to the last 2. I have just increased my standing order to Frederickson to £35/month to pay off the final £350 of a £1500 debt to Capital One as quickly as possible and that will now be settled within a year. This is defaulting every month on my credit file still though. Is this normal? Secondly, the biggie is a debt for an unsecured loan which built up to £7892. This was with Citi Financial. on my file, it says the date of default was 30/08/2008. Now, on my Noddle credit report (free with my Aqua card which i pay off in full every month to try to build my rating; I only spend £10 or so on it every month), it says in the status history and balance history that it defaulted in April 2013 and defaults every month from then to date. The balance history starts then too. Am I right in assuming that this was when Arrow Global took this debt over as there is no reference to Citi Financial anywhere in open or closed accounts section of the financial reports in Noddle? I have attached a snapshot of the default. I just can't understand why the default months stared so recently when the date of default is 2008. I think that this must be what is keeping my score so low (2/5) as I have no other debts and a fast rising credit card limit a s I am using it only to build ratings. What would you advise I do about this final debt to Arrow Global? i have tried to contact them but they just sent a letter saying that this is now being managed by Debt Managers (services) LTD. i am just worried they are going to turn up out of the blue. Should I contact them now and arrange payment over then next go -knows-how-many-years or is the debt old enough to write off/ pay a lot less on? Thanks for your time reading this; all the best.

Hi fellow CAGers I recently received a letter from Arrow Global demanding over £7k. Suffice to say I genuinely have no idea what this alleged debt is for. I sent a letter to Arrow Global requesting a statement of account and included a £1 postal order. I have just received a reply from Arrow Global, but it doesn't make much sense. See below. If anybody could advise on the appropriate course of action I should take I would be most grateful. Many thanks Arrow Global letter: - Dear xx Arrow Global Limited account: xxxxxx ASSIGNED BY Fairmile Partnership 1 LLP (ACCOUNT NUMBER 1234567) We thank you for your letter dated xx/04/2014, addressed to Clarity and passed to Arrow as assignees of the account. We acknowledge your request for documentation pursuant to the Credit Consumer Act 1974. We do not accept we are the creditor as envisaged by the above statute. This account arose under an overdraft facility. Even if this account was regulated under the Consumer Credit Act 1974, Part V of the act does not apply to this facility and there will accordingly be no executed agreement. In addition, we confirm: - the total sum paid is £0.00; - The total sum outstanding is £7xxx.7x; and - The amounts which will become payable comprise interest and costs, depending on what enforcement action is taken against you. We confirm the account is not statute barred under the Limitation act. Last payment was made int he [sIC] sum of £1.xx to our external agents Allied International on xx/09/2009. Please contact Clarity to make arrangements to pay your debt. We return the payment of £1.00.

Looks like I have joined a forever-growing band of innocent people targeted by money-grabbers. Received a letter from Arrow Global telling me that Phoenix Recoveries (UK) had assigned all its rights etc. to Arrow Global Guernsey and that I owed £502.17 to Shop Direct Group under account no xxxxxxxxx. Further I was to reply to pay Wescot Credit Services on a PO Box number in Hull. Yea sure I'm about to do that! A basic flaw in all this is I don't owe anybody anything, have never had any credit from/with Shop Direct Group (basically Littlewoods I believe) have not signed any credit agreement for many years, certainly in excess of 6 years. My instinct (supported by comments on this website thank you) is to bin it and not make any contact with any of them. Then I think that IF my identity has been stolen and others are buying in my name, then I need to know. A recent credit check on my name showed "all clear" At the end of the day i would like to give Arrow Global et al a bloody nose for trying to scare people like this, so any advice or comments would be gratefully received Ricky

OH just got letter from MBNA selling and assigning CC debt to ARROW GLOBAL telling her to pay debt or contact AIC. This relates to CC taken out around 2001 and defaulted 2010, previously done SAR to MBNA and found lots of charges on account. Now that MBNA do not own debt we feel time is right to reclaim charges. Looking over SAR can find lots of late payment charges of £20 and £25 around 2004 - 2006 and many £12 charges 2007 -2010. Whilst I understand that reclaiming bank charges is a no no would I be able to claim back all charges for previous 6 years from now or could I only reclaim those over £12. Also is it too late to CCA MBNA, or should I in fact CCA ARROW or even AIC. My OH will not want to fight legalities of account in court even though she could win regarding T & Cs on reverse of Credit Application/agreement. So would really like to a) claim back charges from MBNA (as they have been awful to deal with). any b) put a good case to ARROW to accept a reasonable F & F settlement. and help would be welcomed, sleepingdog

Hi All, I have received a claim form, today, this is what I have done so far. Prepared but not sent - SAR, CCA Request, CPR 31.14. My Answers to your questions are shown in RED. Thanks all You have received a claim form. In order for us to help you we require the following information:- Name of the Claimant ? Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 14th April 2014 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. 1. The claim is for the sum of £8400 in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNA under account ****** upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between MBNA and the claiment, the claim vested in the claiment who has a genuine commercial interest. The defendant has been notified of the assignment by letter. What is the value of the claim? £8400 Has the claimant included section 69 interesticon (8%)within the total claim or is it shown separate within the Particulars but not added to the debt? No Is the claim for a current or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Original agreement was 1999 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No, I had one this year, not in 2013, not in 2012, 2011 - 2008 Why did you cease payments:- Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, paid for about a year, disputed interest and charges, told them I would pay what I had borrowed but nothing else What you need to do now. Answer the questions above If you have not already done so – send a CCA1974 request to the claimant Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts Request 1 - Loans/Credit Cards Request 2 - Current accounts Thanks for reading, look forward to your thought.

Today I received the attached letter from Arrow regarding a debt they purchased original date of account 2007? and have now reassigned it to Drydan Fairfax. I have never had any dealings with Arrow and I cannot recall any debt to them. It mentions that the original account was for Orange. I have had an Orange phone in the past but that was in the mid 2000's. Can you advise me how to deal with it please as I am at a total blank with this.

Hi, just received a County court claim form from Arrow Global via Restons solicitors for a shop direct account that I know nothing about. I vaguely recall having letters from them in the past and I told them then that I have no knowledge of the account and also sent a prove it letter and as such have heard nothing for a while until now. Here are the particulars of claim: The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Shop Direct dated on or about 18/04/2005 and assigned to the Claimant on 13/05/2011 in the sum of 960.50 PARTICULARS a/c no:- DATE ITEM VALUE 01/05/2013 Default Balance 960.50 post Refrl Cr NIL TOTAL : 960.50 I have sent AOS online today 14/02/2014 stating that I will defend the total amount a nd I have also sent a CPR 31.14 request to Restons today via recorded delivery. Do I need to also send a Part 18 request and if so to who? any help will be appreciated.

Checked my credit file, Had a default from Arrow for £9.52. So i sent them a letter asking for a CCA agreement (was unaware mobile wasnt covered for this). They have responded with the following After some advice to go back at them, My next approach will be my SAR request - how ever mobile phone accounts are somewhat hard to over come, its very annoying to be default for such a small number. Any tips and advice would be most welcomed.

Hi can anyone advice please. Owed a small debt to Provident back in 2007 but moved about over the years, a company called Arrow Global sent demands over years, but have now sent debt to Reston Solicitors. On this letter it says Date Of Judgement 5th July 2012 and if they dont hear from me they will Revert to back to their client seeking instructions regarding Enforcement. Does that mean they going to get Bailiffs involved? Its been 7 years and i have not contacted them so how have they taken me back to court for a sum higher than i remembered i owed.

hi all, i have recently setup a dmpicon to pay of various credit cards and loans. on the 21/03/14 i received a letter from arrow global stating that the management of my account had been transferred to drydensfairfax solicitors. i contacted them two days ago and they said their system had not been up dated with my details and they would call me back (still waiting). this morning i received a letter threatening court action if i don't start paying them. any help would be much appreciated

Hi all Returning to these forums which helped me greatly before as several years on, something has cropped up again I received 3 letters recently which I have now connected and pieced together First off was a letter dated 13 Feb 2014 from Shoosmiths solicitors requesting info on myself asking if I lived at this address naming their client Arrow Global Geurnsey Ltd, they said it was a matter regarding something from an old address, the old address they quoted was somewhere I moved out in early 2008 (it was re-possessed at the peak of my troubles) I dismissed this as fishing and they didn't say what the matter was concerning anyway Then on 27th February I received a letter from Arrow themselves saying account has been transferred to Shoosmiths and that I should deal with them It quoted an alleged debt figure and said it was from a Royal Bank Of Scotland card, date of original agreement Dec 2006 Now I had a Royal Bank Of Scotland card from about 1997-2000, no way did I take one out in 2006 and by 2006 it had been many years since I last had it I wondered if it may be a Nat West card, I did have one of these, but again it would have been taken out way before 2006 Then today I received another letter from Shoosmiths saying they are chasing up this alleged debt for Arrow and that Arrow obtained a judgement against me in April 2012 Now I never received this, and if it was sent to my old address from 2008 its not surprising, and no mention of a judgement was used in the first 2 letters I have checked Experian (not Equifax yet) and there is no judgement on there, in fact my credit record is now fair Are they trying it on?, even if they do have a judgement it would be unenforceable, the agreement dates are certainly wrong etc etc Any idea what my first steps should be? Many Thanks:smile: on

Hello all, I really could do with some advice. I have an alleged debt for 20k with MBNA which was sold to Arrow Global then Blake Lapthorn. I have two (yes two!!) defaults on my credit file for this same debt. One from Mbna & one from Arrow. Both defaults will drop off my credit file in around 50 days at which time I believe the debt will be statute barred too. When they drop off, my credit file will look much better than it has for the past few years. To throw a spanner in the works, I have received a letter from Blake Lapthorn asking me to contact them within 14 days with a repayment proposal or they will commence legal action. Whats my best course of action? These are my initial thoughts - 1) Try and delay things until the debt becomes statute barred. 2) Enter into a payment arrangement to avoid a CCJ. (If I did this, will the default still drop off and no information be available on my file?) I have a few defaults and one CCJ but they all drop off my file this year. I desperately need to avoid any other advese because I'd like to get a mortgage at some point in the near future. Thanks

Having been hounded by multiple debt collectors that have been passing me around for the last 3 years - I finally have enough capital to pay most of the debt;[/size] LLoyds - 3,244 Arrow - 10,747 Capquest - 2,566 Mkdp - 7,429. Now here's the rub; I've just moved house and want to avoid dishing out my new address; I'm worried that once I pay the debt something horrible will go wrong and I will still owe the debt (having heard a lot of horror stories)... What would you suggest is the best way to go about getting them off my back - having spent so long getting here - I would like to get rid of them for good! Kind regards and thanks in advance - Andy.

I have a debt with Arrow Global from 2007. The original debt was £3995, but they took me to court, never received any documents and I found out I had a CCJ issued in Jun 09 for £491. I would desperately like to pay the CCJ. Rossendales deal with the account even though Arrow Global still own the debt, I can't deal with them directly. The Court has told me I only need to pay the £491 to remove the CCJ. The problem is that even they are refusing payment for the CCJ, and insist on me paying at least £3000. This old agreement has left my credit report, only the CCJ is still showing. After months of arguing about it, I agreed I would pay the £3000 as I really need to satisfy the CCJ, but they have told me the Full & Final letter would not indicate that its in receipt of the CCJ as well as the original debt, so therefore pointless .. . If I can't get a receipt then I can't get a certificate of satisfaction. Any suggestions, I have tried the Financial Ombudsman and they can't help. I don't know where else to try.

Morning all, This is my first posting on these forums so apologies if it's in the wrong place! This morning I received a claim form from Northampton County Court Bulk Centre with the claimant Arrow Global stating the following particulars of claim:- "The claimant claim is for £1401 being monies due from the Defendant to the Claimant in respect of a regulated credit card agreement between the Defendant and the Royal Bank of Scotland (card number XXXXXX) and assigned to the claimant on 15/12/2010, notice of which has been provided to the Defendant. The Defendant has failed to make payment in accordance with the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. The Claimant claims the sum of £1401.00." I believe that this relates to an old Mint credit card which I had in my teens but no longer hold any paperwork to, but I am also under the belief that I have not made any form of payment in relation to this debt in a long time (possibly more than the 6 years required for a debt to be SB). I've checked my bank statements as far back as 2007 and can't see any record of payments to Mint during this time so I'm thinking about using the complete defence of the debt being statute barred, however before I do this, is there a way I can find out for definite when the last acknowledgement/payment of the debt would have been? I have checked my credit report this morning with Noddle and nothing shows from Arrow/Mint. What should be my next steps? Should I call Arrow and ask for the last payment date in writing? What should I do with the claim form? I know that time isn't on my side here so would appreciate any input from experts in this field. Thanks in advance.

Hi there, This morning I received a letter from Restons on behalf of Arrow Global claiming I owe £250-ish. I have had letters from Arrow global previously, who bought the debt from someone else. Its statute barred, and neither Restons nor Arrow Global have mentioned the original creditor in any letters. Anyway, they claim that Arrow Global obtained a CCJ against me in 2011, but this is the first mention of it, and it was not on my Experian Report last year when I checked it. How do I deal with this? I don't want to pay trust online to do searches for the CCJ if it does not exist, and I do not want to write to Restons just in case it resets the Statute Barred Limitation( i'm not 100% its over 6 years ago). For Clarity, I think it may be Provident, I had dealings with them prior to 2008, I lost my job and asked to lower the payments as I couldn't afford them, and they were not particularly nice to me(some threats were made by them) so I stopped paying altogether.

The missus has received a claim form from Northampton CCBC for an old Capital One debt. The debt is a couple of months from being statute barred but is full of charges she hasn't yet claimed. She immediately sent the CPR 31.14 letter for the CCA, default notice and NOA. WC's reply states it'll take up to six weeks to get the documents and they'll agree to an extension of 14 days after they send the documents to file the defence. Will WC tell the court that there's an extension? I thought it could only be extended for 28 days. Is this just a sneaky way to get a judgement? Surely they should have the documents in their possession to issue the claim in the first place. Any advice would be gratefully received.

My husband has just received a letter from Arrow Global (first time we'd heard of them) containing the following: ------------------------------------------------------------------------------ Dear Mr ****** Debt originally owed to Shop Direct Group Assigned by Cyclone Asset Management Limited Account Number: ****** Notice Of Assignment We advise you that Cyclone Asset Management Limited has assigned all of its respective rights, title and interest in respect of the above referenced account (including the right to receive payment of the outstanding balance) to Arrow Global Guernsey Limited, effective 23rd December 2011. Any payments made on this account after 31st December 2010 will be passed to Arrow Global Guernsey Limited and will be deducted from the current balance. It is essential that all future payments and correspondence regarding this account be directed to: Fredrickson International Limited, PO Box 260, Weybridge Surrey, KT13 0YH Please call: 0845 839 6069 Please quote reference: ****** You should contact Fredrickson International to organise payment of this account as a matter of urgency. If however, you believe that you have received this communication in error please contact Fredrickson International with all relevant information, again, as a matter of urgency. Please note that in order to protect your personal privacy we may need to verify your identity. We refer you to the enclosed fair processing notice on the reverse of this letter provided pursuant to the Data Protection Act 1998. Please read this notice carefully as your personal credit rating could be affected by our filings with the credit reference agencies. Yours Sincerely, (Unintelligible signature) Arrow Global Guernsey Limited (Another unintelligible signature) Cyclone Assist Management Limited ------------------------------------------------------------------------------ We've never heard of the Shop Direct Group and have no idea what this letter is talking about, or what it's trying to say. As far as we know, any debt we do have is not to this mentioned group, and is being paid via standing order, so I am a bit concerned about this. My husband is loath to contact them about this, even to CCA them, in case they start harassing us, and he certainly doesn't want to provide proof of his identity to just anyone! This is the first debt letter we've had in a long, long time as we've cleared most of them and have arrangements in place with the rest. Any help would be greatly appreciated.

I got a DRO in December last year so of course not been making payments to creditors. One of the creditors was Arrow global for a ccj. Today I received a letter from the local county court saying there has been a variation made on January 23 and I am ordered to make a payment of 1 quid a month which was the original agreement prior to the DRO and I did make the two payments I was supposed to prior to the DRO coming into effect. The court document says nothing about the DRO. Just that I am to pay 1 pound a month or else deal with bailiffs. Obviously I have to make some phone calls to the court and the official receiver but I was wondering if anyone had any advice so that I am forearmed! Arrow is aware of the DRO so if they have lied to the court and are attempting preferential treatment can I use this against them in any way? One would think that if the DRO was involved it would be mentioned in the court order would it not?

Hi, Yesterday I recieved a Claim Form for a credit card dating back to 1999, it is lodged with Northampton County Court, I tend to defend fully the case and have sent in my CPR 31.14 Request with Recorded Delivery today. I have not sent any money are they likely to request anything for this request? i.e. £10 It is for a credit card balance from on or about 29/9/1999 assigned to the claimant 20/12/11 for the sum of £8467.02 and now with charges they want £8757.02 What are my chances here? If they do not come back with original signed documents and stuff, can I defend that I know nothing about this? as it was many years ago, during a split with my missus in 2007 I had a lot of debt that has never really been sorted since then.

Hi, I recently helped a friend dispute a CCJ from Arrow Global. I used a letter from this site and now cannot locate it! (should have thanked the person or started my own thread so I would have remembered!) If any one could help me find it would be appreciated. It was a letter template for someone requesting details (Credit agreement, Notice of assignment etc) after a ccj claim form was received. This was to enable them to put a defence in as they did not have all the details. I know its a long shot but I have been using the search facility for over an hour with no luck! Thanks

Hi Everyone I am currently in a dispute with arrow global regarding a debt, I have recently sent a cca request and received a response. In regards to the letter I have never had a overdraft for this amount £1500 at the absolute max. Could this be charges? surely not? Please can you read the letter and advise of what to do next. Dear Mr xxxxxxxx DEBT OWED TO Arrow Global Limited ASSIGNED BY Phoenix Recoveries Uk We thank you for your recent letter and acknowlege your request for documentation pursuant to the consumer credit act 1974. We do not accept that we are the crditor as envisaged by the above statute. This account arose under an overdraft facility. Even if this account was regulated under the consumer credit act 1974, part V of the act does not apply to this facility and there will accordingly be no executed agreement. In additon we confirm The total sum paid is £613.87 The total sum outstanding is £6421.54 and the amounts which will become payable comprise interest and costs,depending on what enforcement action is taken against you. The account is being managed by NCO Europe,please contact them to make arrangements to pay your account. Any advice would be greatly appreciated. Thank you

I was first chased for an unsubstantiated debt from orange (passed to arrow Global) approx 8+ years ago. I was chased by one company and then another on behalf of Arrow. Two years ago I wrote challenging the debt and asking for proof of it, proof to chase for it and a statement of account. Silence for sometime. In the last 12 months, two different companies have started chasing - one passing to the other. It is now with Fenton. I have never admitted to the debt but did correspond about it, requesting proof 2 years ago. Just checking my report and it looks like a default has been updated on 11th Nov 2013 from them leaving me with a 1 out of 5 credit score. What should I do? Many thanks!

Hi hoping someone can have a look at these letters for me , i am posting these for my brother, he received some very nice letters from a place called drysden fairfax claiming to act on behalf of arrow global. these very nice people are demanding £1300 two days before christmas or they are threatening court, bailiffs etc. As soon as he received the first letter i advised him to send a CCA to this arrow global to see what this debt is and who they bought it from as he doesnt know what it is. I confirmed that Global received it the same day that Drysden sent their second threatening letter to him. So he is hoping that might slow them down for a week or two until he figures out what this debt actually is. Can they start legal proceedings before they provide the documents he has requested? Any help or advice will be greatly appreciated. Regards