Hi everyone - Just wanted to say a big hello to you all before I start my thread... this is my first post as a newbie user so please be kind
I would be most grateful for some advice. I have read many of CurlyBens posts which have given me an invaluable background, and have seen a few posts referring to "Arrow Global" so it seems I am not alone in having default issues with these guys!
Here are the facts as they stand to date:
My husband has a default with Arrow Global for £181 dating back to 2009 which we picked up via our Experian credit report (originated with HBOS).
We have no knowledge of this debt and have received little information to date from Arrow Global (see attached dated 20th May).
We have completed a written dispute form with Arrow Global, which has been acknowledged (see attached dated 15th June)). I would like to add as well that we have NEVER been contacted by Arrow Global prior to this, nor have we received any default notice / late payment information from HBOS before the debt was sold off.
We think this may have been an old credit card which we would have closed in 2007 when we moved house. We had mail forwarding and unchanged mobile numbers for over a year so any correspondence should still have reached us.We also have never defaulted or missed payments on any cards we have ever owned so this debt seems completely out of character for us.
We are now in a situation where Arrow Global are simply saying they are chasing HBOS for further details and we just have to wait (6-8 weeks for each snippet of information they ask HBOS for). As of yet they don't even have the credit agreements, only the information they set out in the opening letter (see first attachment) which is basic to say the least and doesn't help us identify the debt as ours.
To further muddy the waters, Arrow Global are now ALSO now saying that the dates they have given us are incorrect and actually the debt goes back to 2007!
We still do not recognise it and this also suggests the information shown with the credit agencies is also incorrect.
We are not trying to get out of paying any debt we may owe, but genuinely cannot tie up any of the (scarse) information we have been given with past accounts. We are just desperately trying to get this sorted out and get the default removed if possible as it is a glaring red alert on our credit report.
I am sure we have a very long way to go before any resolution but I would be very appreciative if anyone could help me with our next move, or suggest an effective letter format for the next step. Would you suggest a 'Subject Access' letter as our next port of call ?
Thank you thank you thank you !
I would be most grateful for some advice. I have read many of CurlyBens posts which have given me an invaluable background, and have seen a few posts referring to "Arrow Global" so it seems I am not alone in having default issues with these guys!
Here are the facts as they stand to date:
My husband has a default with Arrow Global for £181 dating back to 2009 which we picked up via our Experian credit report (originated with HBOS).
We have no knowledge of this debt and have received little information to date from Arrow Global (see attached dated 20th May).
We have completed a written dispute form with Arrow Global, which has been acknowledged (see attached dated 15th June)). I would like to add as well that we have NEVER been contacted by Arrow Global prior to this, nor have we received any default notice / late payment information from HBOS before the debt was sold off.
We think this may have been an old credit card which we would have closed in 2007 when we moved house. We had mail forwarding and unchanged mobile numbers for over a year so any correspondence should still have reached us.We also have never defaulted or missed payments on any cards we have ever owned so this debt seems completely out of character for us.
We are now in a situation where Arrow Global are simply saying they are chasing HBOS for further details and we just have to wait (6-8 weeks for each snippet of information they ask HBOS for). As of yet they don't even have the credit agreements, only the information they set out in the opening letter (see first attachment) which is basic to say the least and doesn't help us identify the debt as ours.
To further muddy the waters, Arrow Global are now ALSO now saying that the dates they have given us are incorrect and actually the debt goes back to 2007!
We still do not recognise it and this also suggests the information shown with the credit agencies is also incorrect.
We are not trying to get out of paying any debt we may owe, but genuinely cannot tie up any of the (scarse) information we have been given with past accounts. We are just desperately trying to get this sorted out and get the default removed if possible as it is a glaring red alert on our credit report.
I am sure we have a very long way to go before any resolution but I would be very appreciative if anyone could help me with our next move, or suggest an effective letter format for the next step. Would you suggest a 'Subject Access' letter as our next port of call ?
Thank you thank you thank you !
Comment