whats all this about

[jwaddy]

hi there got a bit of a thing here.

 

Recieved a letter last week from a company called pace forward which was an address conformation letter

didnt do anything about it just put it to one side.

 

Today i recieved a letter from rockwell telling me they have been instructed be their client arrow global limited (never heard of them)

about the above account(ill come to details in a min).

 

Apparently arrow say my debt is suitable for litigation.

 

Rockwell want payment in full in 10 days but if your unable to pay give us a ring.

 

Now i turned the letter over and noticed that cheques are to be made payable to fenton cooper.

A quick search linked fenton cooper, rockwell and pace forward to tessera credit services. No idea who this arrow global are though.

 

Now the thing is arrow global say i owe them just over 6k and the original lender was mbna.

 

I do not disupte that i owed mbna this amount of money i just dont understand why arrow want it off me now

when in 2009 i went bankrupt and the mbna debt was part of the bankruptcy

i thought that going bankrupt was the end of it all

 

oh i was discharged in 2010.

 

What id like to know is does anyone know what arrow are trying to achive with this also they must be extremely stupid to buy a bankrupt debt.

[Sidewinder]

Stupid indeed. They are either unaware or worse still are trying it on. In either event, send a copy of the bankruptcy order and send them on their way.

[jwaddy]

i was nearly on the floor in tears when i read it. billy conolly coulnt write a gag as funny as that. i was tempted to let them take me to court over it and produce m.y bankruptcy order in court wast some more of their money.

[Sidewinder]

Of course how much you choose to play them before producing the BO is up to you...!

[BRIGADIER2JCS]

Arrow Global are debt purchase company they will now own the account outright.

 

It would be better to infom them immediately of the BR as AG have recently aquired a very large portfolio of old MBNA debts many of which will be unefrceable in one way or another, the more this situation is put to them the better it will be for others in your situation.

[cerberusalert]

Well they can't have done much of a background check because your BR will appear on your credit file until 2015.

 

It would be worthwhile checking your credit file to see if they have done a search. If they have a complaint to the OFT is in order.

[jwaddy]

ill write them a letter with a copy of my br but still seems a bit stupid to me. as far as im concerned there isnt a debt cos i went br so they wont get a penny out of me.

[cerberusalert]

There isn't a debt & if they tried to obtain a CCJ or take enforcement you have an absolute defense in your BR.... they would be laughed out of court.