NCO Europe for Arrows and old Littlewood s CAT debt

[gaz2k1]

Hi all,

 

Can I ask for some advice, I have sent a CCA request to NCO Europe and sent a chaser as had not received a response. They have sent the below.

 

Do I need to make payments and can they reflect this negativity in my credit report until they supply the requested info?

 

Would anyone be able to advise how I respond/any action I need to take?

I was led to believe my account had to be put on hold during this time?

 

Good Morning/Afternoon,

 

NCO ref: *****

 

Arrow Gloabl Ref : ******

Balance : £767.41

 

Thank you for your recent correspondence regarding our mutual client, the content of which has been duly noted.

 

As we made you aware with our last email , we are chasing this as a matter of urgencey. As soon as we have any response from Arrow global we will be in touch with yourself.

 

However we regret to inform you at this time that there is a contractual amount attached to this account at £1.19 per calendar month.

 

 

This is from the original terms & conditions you would have signed when they first opened the account.

We have to make you aware failure to meet the contractual amount may result in arrears on your account.

This may lead to their account being updated as defaulted,

which will have a negative impact on their credit rating,

and make it more difficult to secure further lines of credit for up to six years after the default date.

 

No interest or charges are being applied

[fkofilee]

If this has been sold to a DCA, its already defaulted...

 

Think they are being idiots here. If they havent sent a CCA yet then you withold payments.

If its with NCO then they are acting as an Agent for Arrow Global...Dont think that much will happen with this one for now

[renegadeimp]

If 12+2 days has elapsed since you sent the CCA request, stop payments. Dont tell them they are in default, they already know they are. But they are DCA's and their pet sols so they will lie and say anything to get you to pay.

[dx100uk]

What was the org debt?

 

Just remember

A dca is not a bailiff

[gaz2k1]

The original debt is with littlewoods,

 

I was making monthly payments through a debt management plan

 

but took managed to sort most myself now after a PPI payout

and coming to settlements with ones that have provided CCA information.

 

only a few outstanding left to deal with myself and this is one of them.

 

Although NCO is showing as global arrow on my equifax report, it does not show as defaulted?

It states upto date

detailing the payments made though my DMP that has now ended.

I'm just not sure where to go with this one?

[dx100uk]

until/unless they supply an enforceable CCA they can go swivel.

 

 

how old is this debt?

as I bet this is a copy of the debt on your CRA fil

created by arrows..

and the OC defaulted you years ago{+6yrs]

and has already dropped off and should not now be even showing?

[gaz2k1]

I have been making payments previously to NCO Europe for an old debt with Littlewoods.

 

However i have recently been getting more traction on my debts and fighting where able.

 

I have a current CCA request outstanding with NCO Europe

and they have acknowledged receipt and my account states "Hold" on their online portal,

and i have a letter stating account is on hold pending documentation.

 

I have not been making any payments since the original CCA request was sent earlier in the year

however today checked my credit file this debt is showing as Global Arrow not NCO Europe

but is now showing as a late payment for last month.

 

Are they allowed to recored it as a late payments my credit file whilst my account is on hold and have an outstanding CCA request?

 

Thank you.

[Stigman]

Hi,

 

If it has gone to collection stage then the account should already have been defaulted and a default showing on your Credit Report?

 

However, the late payments are a true reflection of the account regardless of a non compliant CCA request.

 

Stigman

[dx100uk]

late payment wont harm you as the debt is already defaulted?

 

edit: as stiggy says^^^

 

NCO don't own debts

hence their client being Arrows.

 

beginning to smell this one

 

most old cat debts are 99% bogus charges

[dx100uk]

old and new threads merged gaz

please keep to one thread per debt

else it get repetitive on advise already given

[gaz2k1]

DX100UK - Understood

 

new thread was aimed directly at the credit file aspect so thought I needed a new thread.

 

A lot of people are saying not to worry as it already defaulted

 

but I asked again as I am slightly worried as it is not showing on my credit file as defaulted but shows as a normal account;

which is now showing a missed payment as I held it due to the CCA request.

 

Attached is a screenshot of this.

 

It does not refer to it as "Defaulted" like my other account,

always stated "Up To Date" until last months report.

 

I have been working hard over the past few months and my report is looking much more improved however do not want this to impact it so just looking for advice?

 

Thanks guys.

cra file.pdf

[dx100uk]

hang on i'll turn me screen on its end..

 

 

dx

[dx100uk]

rotated the PDF for you now.

 

ok you need to reset this back to when littlewoods sold it on,

 

they would have defaulted the debt then.

 

do you know the history of it?

 

when you opened the account

when you went into arrears?

when it was sold to arrows?

 

need some dates

[gaz2k1]

DX - Ok thank you for your reply. I will see what i can did up and update.

 

Cheers.

[gaz2k1]

Sorry for the delay - I was waiting to be sent the information from them.

 

They have responded with the below but i am not 100% sure the details are correct/confused by the details.

 

The account was opened in 2007 and i believe it defaulted shortly after before 2010.

They say it went into arrears in 2013 but i was already making payments though my debt management plan then as it had defaulted?

 

The credit file states it as an open account with only 1 late payment (last month) not as a defaulted account.

This is why i am worried now as if i don't not make payments will negatively impact my file

i do not believe this account should be on there in the first place.

 

Should this be recorded as an actual defaulted account using the correct default date

as if so i believe this happened before 2010 and would have dropped off my credit file by now

and the CCA request is still outstanding as i sent this to them back in April

so cannot see them producing this any time soon.

 

If i am correct this account should be changed and then drop off my file but i am not sure how to deal with this?

 

Any Help would be appreciated.

 

Good Evening,

 

NCO Ref: *********

Arrow Global ref: *********

Balance: £767.41

 

Thank you for your recent correspondence, the contents of which have been duly noted and uploaded to your account.

 

In relation to your recent requests please see information below:

 

Origination date: 09/07/2007

Date file was aquired by Arrow Global: 01/12/2012

Arrears start date: 01/01/2013

Minimum contractual payment: £8.22

 

In regards to your credit file now showing one late payment, unfortunately we are unable to amended this at present due to having no payment received and Arrow Global have to report your credit file accurately.

Once you have received your CCA request we can send a request to Arrow Global to see if they can get your credit file amended.

 

We are pleased to inform that we can accept a sum of £652.29 as full and final settlement on the outstanding debt of £767.41.

 

Please note this settlement figure is only valid for 30days.

[dx100uk]

so a begging discount letter

who was that reply from BTW?

[gaz2k1]

Was sent by the following:

 

Lucy

For and on behalf of

NCO Europe Ltd

[dx100uk]

CCA request went to whom? arrows.

 

 

might pay you to get an sar running to littlewoods shop direct

get all the statements.

and fathom out the default issue

I like you am sure it would have defaulted years a go

 

 

nothing like being prepared

[gaz2k1]

Thank you I will raise the SAR over the weekend and send to Littlewoods.

 

Am I right in saying this current entry on my credit file should show this as an actual default and the correct date and Global Arrow are wrong in setting it up as a new account?

[dx100uk]

all a debt buyer can do is to either:

duplicate the existing info by the OC

under their own name but not change any defaulted date

they can update the file but cannot change any OC Defaulted date.

 

 

or

they simply substitute their name for the OC's name on the original account

wiping the OC from the record

but again they cant change any defaulted date.

 

 

there have been very good result of late regarding OC's entering retro defaulted dates

when they should have already [3rd missed payment date]

and correcting mis information.

 

 

the FOS seem to be getting quite hot on it again.

 

 

but we need the full account info from the OC first

and so will the FOS if you go that route

so better to get it running now.

 

 

dx

[gaz2k1]

Thank you - I am just typing out the request now and I will send out ASAP. Thank you for your help.

[gaz2k1]

Good Evening,

 

NCO have now responded in 2 different letters received today (attached below)

 

1 - The Agreement is not signed - They do also state now I have this I need to re-commence payments, is this correct as they have not produced a signed copy of the agreement? If so how shall I respond?

 

2- The statement refers to the default date as the 19/12/2012 however I do not believe this is correct. I have statements at home from my old Debt management company that dates back to at least March 2011 where payments are being made to NCO for this account. Am I correct in saying I would not be paying NCO in March 2011 had my account not have gone into default?

 

Any advice would be appreciated.

 

Thank you.

Statement.pdf

Credit Agreement .pdf

[dx100uk]

urm

that could have come out of any filing cabinet they have

and had you details typed in

 

I take it you didn't ever sign any agreement when you signed up

was it an online account

or from a catalogue take up?

 

 

dx

 

 

 

 

ps who was your DMP with?

[gaz2k1]

I would have applied online as far as I can remember,

I can't recall ever signing an agreement.

 

 

Also the date on the bottom of the agreement is before the account was opened according to the statement

but not sure if that is the document version date

but it did have my account number in the footer on the left side

which I have blocked out prior to uploading.

 

The DMP was with Debt Line who then changed to Charlton Lawrence.

 

 

I stopped using them earlier in the year when I got a grip of all my finances and began challenging, etc.

[dx100uk]

Debt Line who then changed to Charlton Lawrence.

 

yea they got caught out doing things they shouldn't not long back

glad you've dumped them

did you no favours

did you get yo hidden F&F pot back? from them

 

I don't believe that CCA return for one minute

 

if you signed up online

it would be a tick box