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Unknown Debt & Default Notice
I have learned that arrow global posted a default notice on my credit report - they had never contacted me and have so far provided no information in writing, despite being asked to do so. I have emailed them stating I do not acknowledge the debt and don't even know what their notice refers to.
Today I spoke on the telephone to someone at Bryan Carter Solicitors who called to offer me an early repayment reduction and that it refered to my debt with Arrow Global. When I said I didn't even know what he was talking about as all my debts were being paid monthly without default and I had never had contact with or from arrow global he stated it referred to a credit card debt from 2003 and I was in default from 2004.
I don't know anything about this, but he says I acknowledged the debt in 2004. I have nothing that relates to this and so I asked for written proof, since I was working away a lot of the time between 1997 and 2006/7.
He said paperwork - i.e. the offer of a reduced settlement figure and notice of the assignment of the debt to arrow global were being sent out to me but I should take advantage of the offer and make a deal.
I refused and said I cannot acknowledge a debt I know nothing about so please send a true copy of the original debt agreement or I will not discuss this with you. He said I could have a copy of the agreement, which did not need to show my signature, but would have to pay £1 for this.
I said I wanted everything in writing, and had requested no telephone calls or contact other than in writing and he said I was being unreasonable as he had explained everything and covered my points and I was wrong.
I said I don't accept that - how can a default notice be placed on my report without someone contacting me about the debt first - and I had received no contact.
He said he would get his manager to deal with me and I should expect a call later today.
I feel browbeaten and slightly threatened - being told I accepted the debt in 2004, when I have no memory of that and nothing in writing is very worrying.
Where do I stand and what advice can anyone offer me please.
I am responsible and do make monthly payments and all debts I have. Can I be made to pay for something I know nothing about?
Help please, as I worried by all this.:beagle:
Today I spoke on the telephone to someone at Bryan Carter Solicitors who called to offer me an early repayment reduction and that it refered to my debt with Arrow Global. When I said I didn't even know what he was talking about as all my debts were being paid monthly without default and I had never had contact with or from arrow global he stated it referred to a credit card debt from 2003 and I was in default from 2004.
I don't know anything about this, but he says I acknowledged the debt in 2004. I have nothing that relates to this and so I asked for written proof, since I was working away a lot of the time between 1997 and 2006/7.
He said paperwork - i.e. the offer of a reduced settlement figure and notice of the assignment of the debt to arrow global were being sent out to me but I should take advantage of the offer and make a deal.
I refused and said I cannot acknowledge a debt I know nothing about so please send a true copy of the original debt agreement or I will not discuss this with you. He said I could have a copy of the agreement, which did not need to show my signature, but would have to pay £1 for this.
I said I wanted everything in writing, and had requested no telephone calls or contact other than in writing and he said I was being unreasonable as he had explained everything and covered my points and I was wrong.
I said I don't accept that - how can a default notice be placed on my report without someone contacting me about the debt first - and I had received no contact.
He said he would get his manager to deal with me and I should expect a call later today.
I feel browbeaten and slightly threatened - being told I accepted the debt in 2004, when I have no memory of that and nothing in writing is very worrying.
Where do I stand and what advice can anyone offer me please.
I am responsible and do make monthly payments and all debts I have. Can I be made to pay for something I know nothing about?
Help please, as I worried by all this.:beagle:
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