Arrow/NCO - old Vaniquis Card Debt - New wrongly dated default! **SETTLED**

[Andyorch]

Its not really a new account but a change of name to your Vanquis account......but they can only do this if it is still within the 6 years and they cant alter the initial default date. Now that Arrow have added it the same agreement under Vanquis should disappear......or may show for a short time ...but its still the same agreement even though listed twice.

 

 

.

[Andyorch]

That would depend on whether Vanquis ever actually notified your credit agencies....check your notice of assignment date and Vanquis default notice date (if you have it) as stated as long as its within 6 years of the original default date its quiet normal ...if the default date is over 6 years then it should not be registered by Arrow G and should be removed.

[Andyorch]

So what date did you default with vanquis and what date did you start paying £1 pm ?

[Andyorch]

Okay look go to bed and sleep on this......I will try to explain in the morning the difference in you defaulting (breaching the agreement that's you not paying Vanquis the full contractual amount every month ) and you not receiving a default notice and if you didn't default or breach the contract why was you paying £1 pm and why did Vanquis sell the account to Arrow .

 

Dont reply to this just think about it and we can resume when you post tomorrow.

 

Andy