smith partner v arrow global limited

[smith]

rossendale collections letter 20 may 2013 got it today
acting for arrow global

shes not sure if its a credit card or catalogue cca requests have been sent on her debts bfore nothin sent back her debts have bin around the block shes lost track of it

your debt as been passed to us by the above client we are instructed that you ignored previous requests
for payment and we intend to recover outstanding debt of 1187.46 immediately
unless you pay the debt amount in full within 7 days or contact us with your proposale recovery action will commence

do she send cca or a prove it letter

[labman]

Re: smith partner v arrow global limited

• Send a Prove It letter to the DCA:

Dear Sir/Madam

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I/we look forward to your reply.

Yours faithfully

[smith]

Re: smith partner v arrow global limited

• Send a Prove It letter to the DCA:

Dear Sir/Madam

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I/we look forward to your reply.

Yours faithfully

thankyou

[labman]

Re: smith partner v arrow global limited

You're very welcome.

[smith]

Re: smith partner v arrow global limited

letter from rossendales

re fs lv sale 4 owing global limited
£1,187.46

we thank you for your recent correspondence the contents of which has been noted to file

we can confirm that the outstanding balance is in relation to a mail order from phoenix recoveries uk
the agreement was originally taken out on july 1 2002 whilst you were at the address of
.............................
account no .......
last payment 20.3.208

contact this office to discuss payment of this account subsequently preventing further recovery action being taken

.................................................. ......
thinks its kays (shop direct ) mail order last payment was of £1 token payment to as phoenix was collecting on the account.....cca request was sent and paid £1 a copy was sent but it was ripped
and couldn't make it out so she didn't know it was a true copy or not
the dmp got that copy they have gone bust and payments was made to phoenix but the payments have not been taken in account still wanting full ballance..

so shall i cca a credit agreement and what other info should i ask for from rosendales collect advise please

[smith]

Re: smith partner v arrow global limited

bump for help

[smith]

Re: smith partner v arrow global limited

bumping for help

[labman]

Re: smith partner v arrow global limited

It looks from this as though you sent the letter to Rossendales not Arrow. It should have gone to Arrow Global.

Am I right? If so, you need to resend to Arrow Global, advising Rossendales you are disputing the debt with Arrow Global and to stop enforcement action while it is resolved.

[smith]

Re: smith partner v arrow global limited

It looks from this as though you sent the letter to Rossendales not Arrow. It should have gone to Arrow Global.

Am I right? If so, you need to resend to Arrow Global, advising Rossendales you are disputing the debt with Arrow Global and to stop enforcement action while it is resolved.

yes i sent rosendale the letter

[labman]

Re: smith partner v arrow global limited

Sorry - I obviously didn't make myself clear. The letter needs to be sent to Arrow Global as they are the ones who claim to own the debt. If they do, they should be able to prove ownership.

Apologies for the confusion - get Proof of Postage when you send it to Arrow Global as a minimum, you may want to send it recorded delivery for peace of mind. :tinysmile_grin_t:

[smith]

Re: smith partner v arrow global limited

Sorry - I obviously didn't make myself clear. The letter needs to be sent to Arrow Global as they are the ones who claim to own the debt. If they do, they should be able to prove ownership.

Apologies for the confusion - get Proof of Postage when you send it to Arrow Global as a minimum, you may want to send it recorded delivery for peace of mind. :tinysmile_grin_t:

cheers i will

[smith]

Re: smith partner v arrow global limited

hi is there a letter to dispute debt to rossendales collect thanks


letter of them to day demanding payment in full within 7 days tp prevent this matter proceeding further

[smith]

Re: smith partner v arrow global limited

dumping for help

[labman]

Re: smith partner v arrow global limited

dumping for help

I think you mean 'bumping' though dumping on the bailiffs is not a bad idea.

Have you told the bailiffs you are disputing the debt with the OC. If not you should write or email and tell them. Make sure you tell them in a durable form.

[FlamingParrot]

Re: smith partner v arrow global limited

I think you mean 'bumping' though dumping on the bailiffs is not a bad idea.

Have you told the bailiffs you are disputing the debt with the OC. If not you should write or email and tell them. Make sure you tell them in a durable form.

Bailiffs? :scared: Reading the posts above, there seems to be no CCJ on this account, it's a Shop Direct account owned by Arrow, where they don't seem to have an agreement to start with, let alone have obtained judgment.

Rossendales are best known as bailiffs, yes, but they are also debt collectors: http://www.rossendales.com, and I suspect in this case they are merely acting as such on behalf of Arrow.

Has a CCA request been sent to Arrow? :confused2: