Arrow Global Vanquis

[dx100uk]

so vanquis have sold the debt to arrows.

 

probably from before 2014 

and defaulted? soon after?

hence its now gone as the default reached 6yrs?

 

send them a CCA request.

 

 

[dx100uk]

it would need to be defaulted and vanquis issue a default notice for court action.

 

why would a default ruin you?
 

 

 

[dx100uk]

open

[dx100uk]

probably a statement from arrows i suspect..

 

are they chasing?

if not i'd sit on your hands.

and continue your payments.

 

 

 

[dx100uk]

Bet the debt was defaulted when they sold the debt.

 

sar mbna

[dx100uk]

teach me to working on an MBNA case at the same time..

 

[dx100uk]

sar vanquis cease payments for now

let arrows sweat a bit.

 

was your credit file shot when you took this out?

 

dx

 

 

[dx100uk]

If you read all the posts in the sar link..you'd have no need to ask these questions....

[dx100uk]

did you not read all the posts of the SAR link before you sent it?

 

dx

 

[dx100uk]

a bank statement alone sadly will not be enough,

what official gov't establishment doc like passport or driving licence, benefit etc might you have?

[dx100uk]

ive removed your upload

we don't need that being copied by arrows do we.

 

you need to look at the comms log

and find when vanquis issued a default notice.

 

dx

 

[dx100uk]

well if arrows ever wanted to chance a speculative court claim.

they'll come very unstuck without a compliant section 87 default notice 

[dx100uk]

well until/unless arrows reply to your CCA request..

as for the NOA 

the buyer can quite legally send that on the OC's behalf on their letterhead too.

but the debt sale will be noted in the sar as legally it must be.

 

 

[dx100uk]

what vanquis hold is immaterial keep that to your self.

 

[dx100uk]

open

[dx100uk]

a debt buyer can't issued a default notice/terminate an agreement under the CCA

ignore them

 

On 21/07/2020 at 18:30, dx100uk said:

well if arrows ever wanted to chance a speculative court claim.

they'll come very unstuck without a compliant section 87 default notice 

 

so no CCA return

no default notice issued by the OC.

 

good luck with this lemon debt arrows

 

until or unless they send a letter of claim or a CCa return you can ignore them.

 

 

 

[dx100uk]

now go re read my last post...

[dx100uk]

a debt buyer cannot register a default nor issue a default notice.

[dx100uk]

no.

 

await if/when you get a letter of claim.

 

when did you enter into the low repayment to vanquis and they ceased interest?

[dx100uk]

the upload you have made is a termination notice not a default notice.

 

 

 

 

 

[dx100uk]

up the garden path or down a rabbit hole be you falling.

 

a D or reporting a default to a credit reference agency in the monthly status calendar section of your credit file can only be seen by you and the debt owner, it is not a registered defaulted date and cannot be seen by anyone if they do a 'credit search'.

 

only the original creditor can issue a default notice under section 87 of the CCA which results in a recorded defaulted date showing in the summary line status on your credit file.

 

with regard the letter you got from arrows.

it's a termination notice and is total BS.

 

they are a debt buyer and a debt collection agency so saying what they will do is immaterial

they may instruct a dca to chase you...big deal so what..powerless muppets. their other trading name NCO is already on the case.

report a d to your file ...big deal no-one can see it.

 

they are not a creditor so cannot issue a default notice which results in a defaulted date being placed against the A/C.

 

sadly some people use a sledge hammer to crack a nut spouting all manner of twaddle to prove they have far superior knowledge about these things than a dca when there is never a need to go down that rabbit hole.

 

 

 

 

 

 

[dx100uk]

entering a D is not a registered defaulted date via a default notice.

[dx100uk]

3 hours ago, adam1992 said:

To me it should either be defaulted by the OC ages ago.

which is what you goto them and complain about.

 and get it sorted

 

[dx100uk]

what would have been your 3rd missed or short payment date.

i would expect this to be week 3 of your DMP?

 

 

[dx100uk]

pers i think i'd leave this well  alone then ....do nothing until/if the DCA does try and file a registered defaulted date via a default notice under the CCA section 87 (which they can't do) the D they are spouting about means nothing as no-one else bar you and the debt owner can see it. 

 

the letter you posted is simply a termination letter that they are quite able to issue but in real terms means nothing again toward your file.