ARC Europe

[Quality Bird]

Hi All

 

I haven't posted for a while, just after a little bit of advice on how to deal with ARC Europe.

 

Recently I have received a couple of texts from this company and an answer machine message asking me to call them which I ignored.

 

About a week ago I answered the phone to one of they're agents who was quite pushy with me, but I refused to go through the security questions with him including my address, whilst on the phone to me he told me that he wanted to discuss Nationwide with me. I told him to put everything in writing to me, he told me that that they already had and hadn't received a response from me that is why he was calling, I told him that he must have the incorrect address for me, I refused to give him my current address. Because I refused the security questions he ended the call using the words 'Thats Unfortunate'.

 

I did have a Nationwide account which became Statute Barred about a year ago, I haven't heard anything about this account in about 6+ years although I have moved a couple of times in that period.

 

Today I received a further message from one of the agents from ARC asking me to call them back, my question is, should I just ignore them or would it do any harm to give them my current address to enable them to write to me?

 

I am concerned that they may try and obtain a judgement in my at a previous address, maybe by fabricating a phantom payment.

 

What do you guys suggest?

 

Thanks in advance

 

QB

[unclebulgaria67]

Ignore. You could check your credit record to see if anything is on there. If your credit record has your current address, there is no reason why any creditors could not correspond with you. If debts are definitely SB'd, then send them the SB letter in the library and tell them to stop trying to contact you.

[Quality Bird]

I check my CRA file frequently and it doesn't show on there.

My CRA shows my current address and previous addresses, I think I will ignore until they can be bothered to write to me at my current address with something concrete.

Thanks for your time

QB

[Delta-Charlie-76]

I've had dealings with this foul company, on the phone they are very pushy - stay off the phone to them, if they call tell them in writing and put the phone down, if they're stupid enough to phone back, just repeat 'in writing' & put the phone down.

 

They said to me that they had written to me 4 times but had no response but that was rubbish.

 

Their telephone chimps are pushy & argumentative but are clueless on Consumer Law.

[BRIGADIER2JCS]

Hi All

 

I haven't posted for a while, just after a little bit of advice on how to deal with ARC Europe.

 

Recently I have received a couple of texts from this company and an answer machine message asking me to call them which I ignored.

 

About a week ago I answered the phone to one of they're agents who was quite pushy with me, but I refused to go through the security questions with him including my address, whilst on the phone to me he told me that he wanted to discuss Nationwide with me. I told him to put everything in writing to me, he told me that that they already had and hadn't received a response from me that is why he was calling, I told him that he must have the incorrect address for me, I refused to give him my current address. Because I refused the security questions he ended the call using the words 'Thats Unfortunate'.

 

I did have a Nationwide account which became Statute Barred about a year ago, I haven't heard anything about this account in about 6+ years although I have moved a couple of times in that period.

 

Today I received a further message from one of the agents from ARC asking me to call them back, my question is, should I just ignore them or would it do any harm to give them my current address to enable them to write to me?

 

I am concerned that they may try and obtain a judgement in my at a previous address, maybe by fabricating a phantom payment.

 

What do you guys suggest?

 

Thanks in advance

 

QB

 

Personally I would not ignore these people they are very aggressive in their approach and very persistent.

 

If you are sure that there has been no payment or written acknowledgement of the debt in 6 clear years send the following by recorded delivery to:

 

The Compliance Manager

ARC Europe

 

 

Ref: Nuisance Calls:

 

Sir/ Madam,

 

I refer to a number of calls from ARC in regards to an alleged debt with NationWide , at no time have I answered any 'security' questions when aske but your operative has stated the they wanted to discuss NationWide a clear breach of the DPA 1998, this aside I do not acknowledge any debt to ARC Europe.

 

Having researched my credit history I have concluded that any such alleged debt is statute barred and therefore I will not make any payment.

 

Should ARC Europe wish to dispute the debt it is reminded that the onus of providing unequivocal proof that this matter is not statute barred falls entirely upon ARC Europe.

 

I am fully aware of the OFT Guidance on Debt Collection and the sections regarding statute barred debt.

 

ARC Europe WILL now close the file on the account and cease to process all data relating to me and will remove it from its records.

 

This is my final response.

 

I'll have an address for you in a few minutes

[BRIGADIER2JCS]

The Compliance Manager

ARC Europe Ltd

Kent House

Churchfield Road

Walton upon Thames

Surrey

KT12 2YU

 

 

Use recorded/signed for delivery.

[Quality Bird]

Thanks Brig!

You are a superstar, I will send this off tomorrow, I'm guessing it's ok to head it with my current address? I don't have any reference numbers etc, as the only refenence number I had was on text and I had to Factory reset my phone which erased all messages.

I do know from when I checked my CRA file last year (July 2012) that the last payment date was Feb 06 and the default date was December 06, there were no recorded CCJ's for this debt registered on my file at that time.

 

Thanks again, I will keep you posted.

[BRIGADIER2JCS]

HI QB, you're welcome!!

[Feebee_71]

Surely if the last payment/activity on the account was in February 2006 then the clock for statute barring would start ticking in March 2006 when the next payment was due but not paid rather than the December when the default was issued?

 

Feebee_71

[BRIGADIER2JCS]

Surely if the last payment/activity on the account was in February 2006 then the clock for statute barring would start ticking in March 2006 when the next payment was due but not paid rather than the December when the default was issued?

 

Feebee_71

 

Yes that has been taken into account though it is irrelevant to the SB status.

[yorkshiremark]

I have been having a mini war of attrition with these clowns, I have an old debt not old enough to be statute barred yet so they tried hounding me into paying £100 per month to clear the debt.

As I wish to clear my old debts and repair my credit file I have been researching what I owe and to who. This debt has been purchased by these clowns, so to clear things up they are being paid £5.00 per month, they can take it or leave it.