Vanquis-1st credit-Freds-Carter-Arrow/Debt Managers - Scotland

[dx100uk]

it is 5yrs in Scotland sri.

 

and it means the debt is TOTALLY extinguished NEVER to be owed again

in Scotland

 

though bear-in-mind it could pos be counted from the default date or the date of your 3rd missed payment.

[otbclear]

thx Dx .. i'm kinda confused as it's arrow thats defaulted me a year after they bought the debt..

 

 

I'm sure I last paid it roughly 5 years ago and haven't aknowledged it since. on experian CRA vanquis is saying settled- satisfactory just seems strange

[dx100uk]

it will be shown as settled if sold on

 

till the new owner update the file

 

dx

[otbclear]

thank you again for your reply dx. much appreciated..

 

 

does that also mean the SB date is 5 years after the new owner takes it on?

 

 

sorry so many questions

 

 

Lucy x

[dx100uk]

as post 26

 

dx

[otbclear]

hi again,

 

I received another letter today from a company called clarity credit mangement with a PO box number in Northampton.

 

It just says "RESPONSE REQUIRED" in bold letters and if I'm that person to call them. obviously it's re-vanquis.

 

The last time any payment was made t them was around May or early June 2009

 

should I phone this company?

 

I'm not sure what to do ..my credit file showing default with Arrow Gobal a year after they bought the debt.

.I worried they might issue a ccj

 

I'm quite anxious and don't know what to do?

 

 

lucy x

[BRIGADIER2JCS]

NO definitely DO NOT phone at any time.

 

 

This is not considered a fair "business practice" if they are not sure you are the debtor they should not be contacting you at all.

Ignore this until they disclose their purpose.

[otbclear]

Ok Brig, thank you for taking the time to reply

 

 

It says on the letter if I'm not the named individual, It is important that I contact them immediately in order they can rectify their records to stop further correspondence.

 

 

I will not phone them.. and see what happens

 

 

cheers

 

 

Lucy x

[BRIGADIER2JCS]

Ok Brig, thank you for taking the time to reply

 

 

It says on the letter if I'm not the named individual, It is important that I contact them immediately in order they can rectify their records to stop further correspondence.

 

 

I will not phone them.. and see what happens

 

 

cheers

 

 

Lucy x

 

 

 

This is just one of their underhand tricks to spoof you into admitting liability so ignore and have a good weekend.

 

 

Brig.

[otbclear]

thanks again .. you have a good too Brig

 

 

 

 

Lucy x

[dx100uk]

yes totally ignore them

 

scotcall now clarity

it'll be power2contact next I bet

 

the lot are low life DCA' doorsteppers

 

just Remember

 

DCA 's or doorsteppers ARE NOT BAILIFFS

 

they have

 

NO SUCH LEGAL POWERS

 

dx

[otbclear]

Update-

 

 

Today I received this letter NOTICE OF INSTRUCTION

 

we've been instructed by ARROW GLOBAL GUERNSEY LIMITED to make arrangements with you to repay the above amount.

 

 

 

 

REDUCED SETTLEMENT they are offering 50% off the debt saying if I pay £915 that it will be accepted as full and final payment and I have 7 days to accept this offer..

 

 

what do I do from here?

 

 

 

 

Lucy x

[dx100uk]

ignore them

 

why offer a discount if they are so sure you owe the debt........

 

dx

[otbclear]

That's twice I've been offered a 50% discount now by different dcas ..

 

 

do I just go on ignoring these letters dx?

 

It's 5 years since I last paid anything and never called or acknowledged them It was an online account with vanquis

 

 

Lucyx

[dx100uk]

the debt is statute barred?

 

dx

[BRIGADIER2JCS]

the debt is statute barred

 

dx

 

 

dx is right.

Do you want to keep on receiving these letters Lucy.

 

 

Just send Debt Managers this.

 

 

Sir/ Madam,

 

 

Re: Alleged debt for £xxx.xx Ref:xxxxxxxxxxx

 

 

I do not acknowledge any debt to your client Arrow Global Guernsey Ltd.

 

 

For the avoidance of any misunderstanding take note the alleged debt is Statute Barred and I will not be making any payment.

 

 

As I am resident in Scotland the alleged debt is extinguished.

 

 

Continued contact from Debt Managers Ltd., or its client will be treated as harassment and suitable action Will be taken.

 

 

Use signed for post check delivery date.

[otbclear]

Hi Brig..

sorry just noticed you had replied again.

 

they have passed it on to clarity and

 

the last letter I received from them was an offer of 50% discount and gave me one week to accept.

 

should I just send the above to clarity and also do I type my name at the bottom of the letter?

 

thanks again for all your help

 

 

Lucy x

[dx100uk]

yes

[BRIGADIER2JCS]

yes

 

That's a yes from me too!

Keep us posted on the outcome please Lucy.

[otbclear]

thanks Brig & Dx will post the letter tomorrow morning. will let you know how I get on.

 

 

I'm a bit worried that they might say it's not SB as AG defaulted me on 30/6/2010 if they take it from that date ? .. Vanquis sold it to them on the 5/6/2009 and marked it settled.

 

 

I'll send the letter anyways what's the worse that could happen

 

 

Lucy x

[BRIGADIER2JCS]

thanks Brig & Dx will post the letter tomorrow morning. will let you know how I get on.

 

 

I'm a bit worried that they might say it's not SB as AG defaulted me on 30/6/2010 if they take it from that date ? .. Vanquis sold it to them on the 5/6/2009 and marked it settled.

 

 

I'll send the letter anyways what's the worse that could happen

 

 

Lucy x

 

 

Arrow Global cannot default the account!!

 

 

Is this date in 2010 the date the file was updated or the original default date??

[dx100uk]

please if you don't think its SB

 

don't send the SB letter

 

if it was defaulted june 10 it cant be.

[otbclear]

on my Experian file

 

vanquish says date of settlement 5/6/2009 - updated 5/7/2009

 

below that AG it says default date 30/06/2010 - updated 13/3/2011

 

if that's any help I'm sure the last time I paid anything was around april/May 2009

[dx100uk]

why not phone vanquis and ask last payment

or

send an SAR.

 

dx

[BRIGADIER2JCS]

why not phone vanquis and ask last payment

or

send an SAR.

 

dx

The settlement date = Sale to Vanquis: Accounts are usually defaulted be for sale so something is wrong here with a default date a year after the sale.

 

 

 

 

As dx has said phone or SAR Vanquis personally I would SAR.