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Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

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  • Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

    Good Afternoon
    some advice please on how to respond to a Notice of Assignment from Arrow Global.
    Today I received by post a Notice of Assignment from Arrow together with a copy of a letter from Lloyds saying they have sold the debt to Arrow. The Lloyds letter is photocopied & looks odd. It's also printed on the same machine as the Assignment......
    The date shown for the overdraft is 1999 . At that time the account belonged to my future husband - I only became a joint account holder in 2005/6. My husband died in 2011 & I did use the account for a while after his death but not since late 2013.
    How shall I proceed with this ? Do I CCA Arrow? They have , it seems, passed the debt to Capquest for collection. I should also say I have remarried a year ago and am not known by the name that is on the letter.
    any help would be most gratefully received
    thank you
    Tags: None

  • #2
    Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

    tagging [MENTION=48934]Debt Camel[/MENTION] xx
    Debt is like any other trap, easy enough to get into, but hard enough to get out of.

    It doesn't matter where your journey begins, so long as you begin it...

    recte agens confido

    ~~~~~

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
    But please include a link to your thread so I know who you are.

    Specialist advice can be sought via our sister site JustBeagle

    Comment


    • #3
      Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

      Thank you Kati
      i seem to have posted my thread twice .. apologies x

      Comment


      • #4
        Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

        no problem Suzie (I've deleted your other one as there had been no replies as yet ) xx
        Debt is like any other trap, easy enough to get into, but hard enough to get out of.

        It doesn't matter where your journey begins, so long as you begin it...

        recte agens confido

        ~~~~~

        Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

        I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
        But please include a link to your thread so I know who you are.

        Specialist advice can be sought via our sister site JustBeagle

        Comment


        • #5
          Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

          Update / today I've received an " urgent " text from Capquest together with a letter requesting I contact them .
          should I send a CCA to get more detail ? The overdraft agreement would have been signed approx 9 years prior to my marriage . I only became a joint account holder in 2005 . My husband unfortunately passed away in 2011. Would data protection allow me access to the agreement ?
          ince again any help would be most gratefully received.
          thank you

          Comment


          • #6
            Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

            Originally posted by susiec View Post
            Update / today I've received an " urgent " text from Capquest together with a letter requesting I contact them .
            should I send a CCA to get more detail ? The overdraft agreement would have been signed approx 9 years prior to my marriage . I only became a joint account holder in 2005 . My husband unfortunately passed away in 2011. Would data protection allow me access to the agreement ?
            ince again any help would be most gratefully received.
            thank you
            Hi,

            By " data " protection" do you mean a " Data Subject Access Request" ? Fee of £10.00 payable, 40days to comply.

            However the document (s) may not now be available as they would not normally be retained for more than 6 years after an account was closed.

            nem

            Comment


            • #7
              Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

              Originally posted by susiec View Post
              The date shown for the overdraft is 1999 . At that time the account belonged to my future husband - I only became a joint account holder in 2005/6. My husband died in 2011 & I did use the account for a while after his death but not since late 2013.
              If you were still using the bank account until late 2013 your Subject Access Request to Lloyds should include all data held on you from 2005/6 (when you became the joint account holder but not before) until it was terminated and assigned to Arrow recently.

              Di

              Comment


              • #8
                Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

                Thanks Nem & Di.

                re Data Protection I wondered if I can request s CCA that wasn't in my name - not that they would know who's name it was in to be fair.
                As for the SAR , lease could you explain what this would contain ? Experian shows no defaults or details of this account.
                just looking for a way forward please.
                thank you

                Comment


                • #9
                  Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

                  Originally posted by susiec View Post
                  Thanks Nem & Di.

                  re Data Protection I wondered if I can request s CCA that wasn't in my name - not that they would know who's name it was in to be fair.
                  As for the SAR , lease could you explain what this would contain ? Experian shows no defaults or details of this account.
                  just looking for a way forward please.
                  thank you
                  The Data Subject Access request is " specifically " for personal data regarding the subject only 3rd party information cannot be supplied.

                  If the debt/account does not show on credit files it is likely more than 6 years have elapsed since the account was defaulted, all defaulted accounts are removed from CRA files after 6 years paid or not!

                  nem

                  Comment


                  • #10
                    Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

                    Thank you Nem.
                    whats the best way forward now ? I'm fielding texts and calls from Capquedt now & would like to get things moving.
                    kind regards

                    Comment


                    • #11
                      Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

                      Originally posted by susiec View Post
                      Thank you Nem.
                      whats the best way forward now ? I'm fielding texts and calls from Capquedt now & would like to get things moving.
                      kind regards
                      Good morning susiec
                      How many times a day are you being contacted by Crapquest?
                      I would in your position require them to contact you only in writing via RM post, constant calls and texts can amount to harassment.

                      You could try a CCA request to the original creditor in the name of the account holder, there is no obligation for a CCA request to be signed, the drawback is that many banks will demand ID before complying claiming " data protection" requires the ID.

                      nem

                      Comment


                      • #12
                        Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

                        Good Morning Nem
                        Crapquest are calling/ texting 3/4 times a day. I block the numbers they use.
                        for clarity then I need to CCA Lloyds Bank ? Should I enclose a copy of my deceased husbands death certificate too ?
                        i do appreciate your time with this
                        susiec

                        Comment


                        • #13
                          Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

                          Hello susiec,

                          It's worth a try, yes send the copy DC as well.
                          Lloyds is well known for its " smoke and mirrors" tactics.
                          3-4 " contacts" a day is unreasonable! Write to Crapquest ( use signed for post) and require that all contact by phone or texts must cease as the level of contact amounts to harassment.

                          nem

                          Comment


                          • #14
                            Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

                            DC ... Crapquest or Arrow ...?

                            Comment


                            • #15
                              Re: Arrow Global/ Capquest Notice of Assignment for Lloyds Overdraft

                              Originally posted by susiec View Post
                              DC ... Crapquest or Arrow ...?
                              Crapquest I think they are " at the sharp end " on this.

                              nem

                              Comment

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