Invalid Default, now been sold to Arrow Global

[mabel2010.]

Hi, I have a default from Lloyds TSB for a Master Card, the date of the agreement is early 2003, the date of the default is Nov 2006. The debt was sold to Arrow Global in Sept 2009, they now have the default on my credit file, this has been causing no end of problems as I am a director of a company and any credit or contracts that the company apply for it brings up my default and the application fails.

 

I have disputed the debt since May 2006, I sent all the standard letters off here (could'nt remember my old account details to log in) back in May, June July 2006, Got all the way up to sending a N1 then droppped it due to work commitments.

 

I have been in contact with Lloyds, Arrow and their solicitors (I use this term lightly) Fairfax.

 

Seem to be going round in circles, any advice would be great.

 

Thanks in advance

[harrassed senior]

A Default, is, I think deemed to be correctly issued after no more than 6 months of the cause of action, (last missed payment). What date was the Default put on your CF because Arrow can update the original Lloyds Default but they must stick to the original default date.