Arrow global again....

[robbityroo]

Hi,
I got a letter from the above DCA the other day regarding an HSBC overdraft, Original Agreement Date 05 October 2007.
This I Know is BS. as I've had no dealings with HSBC since at least 2002 and have been with my current bank since then.
I checked my credit report to find a CCJ from May 2008. This is shown as satisfied from Jan 2009. This has me worried as I know nothing of this but someone must of paid it..... and it wern't me...

Iv'e sent off a prove it letter to Restons (rec. delivery) and my next action will be an SB letter as this alleged debt is over 6 years old.

As for the CCJ I.m trying to find out who filed it and for what.
Any tips/ help as to what next?

Thanks

[robbityroo]

Re: Arrow global again....

Anyone.....? :help:

[Mr Muffet]

Re: Arrow global again....

Have you checked trustonline? This should give the details of any CCJ registered in your name.

[CleverClogs]

Re: Arrow global again....

I got a letter from the above wunch of bankers the other day regarding an HSBC overdraft, Original Agreement Date 05 October 2007.
This I Know is BS. as I've had no dealings with HSBC since at least 2002 and have been with my current bank since then...
Iv'e sent off a prove it letter to Restons (rec. delivery) and my next action will be an SB letter as this alleged debt is over 6 years old.

Anyone.....? :help:

I've fixed your first post for you! :grin:

If your doppelgänger took out the overdraft with HSBC in October 2007, it probably won't yet be Statute Barred as the limitation period would only start when the account holder defaulted.

The best way might be to chase it up with the wunch of bankers with whom it started, but a "prove it" letter might stop Arrow from getting too heavy for the time being.

[Gorang]

Re: Arrow global again....

it probably won't yet be Statute Barred as the limitation period would only start account holder defaulted.

Is it different for overdrafts regarding when the statute barred clock starts to tick??

As I always thought the statute barred clock starts ticking form the LAST payment made to the account (or when the last acknowledgement is made of the account being yours) and NOT from when the default was placed on your credit files


EDIT

Sorry I am maybe just having a stupid day as after reading your post again, when you say

when the account holder defaulted

are you meaning
the SB'd clock starts when account holder defaults, ie the SB'd clock starts as soon as the last payment was made??
or are you meaning
that the SB'd clock doesn't start until the default was placed on the credit files??


EDIT 2

Sorry CC It has been a long day and after reading your post AGAIN then I am sure that you have meant and said that the SB'd clock started when the the account holder defaulted ie when the account holder missed the first payment so therefor clock starts from the day AFTER the last payment was made as that is the first day the account holder has defaulted

If that makes sense?????

I need to go to bed I think lol

[CleverClogs]

Re: Arrow global again....

Is it different for overdrafts regarding when the statute barred clock starts to tick??

I would not have supposed so.

EDIT 2

Sorry CC It has been a long day and after reading your post AGAIN then I am sure that you have meant and said that the SB'd clock started when the the account holder defaulted ie when the account holder missed the first payment so therefore clock starts from the day AFTER the last payment was made as that is the first day the account holder has defaulted

If that makes sense?????

I'd say that the clock starts as soon as there is a cause for action - in the case of an overdraft, upon the expiry of the notice period for immediate repayment of the overdraft.

That would obviously be some weeks, months or years after the overdraft agreement was signed and that's the reason the alleged debt isn't yet SB.

I need to go to bed I think lol

With whom? :rofl:

[robbityroo]

Re: Arrow global again....

Have you checked trustonline? This should give the details of any CCJ registered in your name.

I have checked with the above and it gives no details of who filed the CCJ, just dates, case no, amount (£377) And the status of satisfied.

[robbityroo]

Re: Arrow global again....

Hi all, thanks for your replies. Having rechecked my credit reports, there is no record of this account or any default recorded to any other. All that's showing is my current account, credit card and a utility acc and all are green across the board.... My rating is excellent well over 900.

Is this a case of the above wunch of bankers (thanks CC :tinysmile_twink_t2 trying it on? if so what's my best course of action when the threats start coming?

[Gorang]

Re: Arrow global again....

I checked my credit report to find a CCJ from May 2008.

Having rechecked my credit reports, there is no record of this account or any default recorded to any other.

This could be that the default was registered MORE than 6yrs ago and thus has dropped off your credit file

I know I have also got a CCJ registered against me which will drop off my credit history next year, but I have NOTHING on my history that shows of where the CCJ has came from, but I do suspect that the default will have dropped off my credit history

No doubt there will be court fees that will have been added to the debt but I have NO idea what the CCJ is for or what the original debt amount was either

I intend to just wait out the 6yrs and let it drop off, or if they come after me for the money then I will defend as I can, when/if the time comes

As my CCJ was gained at Northampton Bulk Centre and I live in Scotland then I suspect it will be slightly different for me procedure wise, when/if the time comes

[Gorang]

Re: Arrow global again....

Is this a case of the above wunch of bankers (thanks CC ) trying it on? if so what's my best course of action when the threats start coming?

I got a letter from the above DCA the other day regarding an HSBC overdraft, Original Agreement Date 05 October 2007.
This I Know is BS. as I've had no dealings with HSBC since at least 2002 and have been with my current bank since then.
I checked my credit report to find a CCJ from May 2008. This is shown as satisfied from Jan 2009. This has me worried as I know nothing of this but someone must of paid it..... and it wern't me...

Iv'e sent off a prove it letter to Restons (rec. delivery) and my next action will be an SB letter as this alleged debt is over 6 years old.

I thought that the threats HAD already started to come
I suspect that you will need to get the CCJ set aside in order to fight it but I am NOT sure if you can use the statute barred argument once a CCJ has been obtained for the debt, so I am unsure on what basis you can fight this CCJ, so please wait for others with more knowledge to comment and advise

[CleverClogs]

Re: Arrow global again....

I suspect that you will need to get the CCJ set aside in order to fight it but I am NOT sure if you can use the statute barred argument once a CCJ has been obtained for the debt, so I am unsure on what basis you can fight this CCJ, so please wait for others with more knowledge to comment and advise

I'm not even sure that one can get a settled CCJ set aside!

As for the alleged overdraft that Arrow Global (whose name suggests a prick and a ball :grin are chasing, I can only suggest taking it up with HSBC.
Their Chief Executive is one Alan Keir, managingdirectoruk@hsbc.com

One reason for the alleged debt may be ID "theft" or fraud.

[robbityroo]

Re: Arrow global again....

Hi Gordon the problem I'm having is that I don't know if the CCJ is anything to do with this alleged overdraft. According to trust onlines report if the CCJ is shown as satisfied that means the debt has been PAID IN FULL so I'm not fighting that, the amount was a lot less than Arrow are claiming is due on this alleged debt.

I am trying to find out who filed the CCJ but you have to deal with the NCBCC so I'm not holding my breath...
As I've already stated I knew of neither and have had no correspondence at all regarding either.


As for the letter, I don't really class that as a threat lol

[CleverClogs]

Re: Arrow global again....

As for the letter, I don't really class that as a threat lol

Even though you told Restons (solicitors) to prove that you owed the money?

[Gorang]

Re: Arrow global again....

I'm not even sure that one can get a settled CCJ set aside!

Thanks CC as this is what I was thinking, prob been different if it wasn't settled

Hi Gordon the problem I'm having is that I don't know if the CCJ is anything to do with this alleged overdraft. According to trust onlines report if the CCJ is shown as satisfied that means the debt has been PAID IN FULL so I'm not fighting that, the amount was a lot less than Arrow are claiming is due on this alleged debt. Then I suspect that the 2 are NOT connected BUT in saying that I would not put it past a DCA to add their own charges on top of the CCJ amount, just to try it on

I am trying to find out who filed the CCJ but you have to deal with the NCBCC so I'm not holding my breath...If the case number is not coming up with anything on trust website then I suspect that the Bulk centre will be the only other way to find out who has obtained the CCJ BUT if it has been settled then I don't know if they will still have it on record without a lot of digging, BUT I am only guessing here so I could be wrong
As I've already stated I knew of neither and have had no correspondence at all regarding either.


As for the letter, I don't really class that as a threat lol Sorry I assumed that they were making threats as DCA's normally do lol...........What is the letter saying exactly???

Hi,
I got a letter from the above DCA the other day regarding an HSBC overdraft, Original Agreement Date 05 October 2007.
This I Know is BS. as I've had no dealings with HSBC since at least 2002 and have been with my current bank since then.
I checked my credit report to find a CCJ from May 2008. This is shown as satisfied from Jan 2009. This has me worried as I know nothing of this but someone must of paid it..... and it wern't me...

Iv'e sent off a prove it letter to Restons (rec. delivery) and my next action will be an SB letter as this alleged debt is over 6 years old. I am assuming Restons are the sol's that are acting on behalf of Arrow, is that right??

As for the CCJ I.m trying to find out who filed it and for what.
Any tips/ help as to what next?

With Regards to the CCJ, if it has been settled then I would not worry too much about it but yes I can see you want to know what it was for so as above try phoning Northampton Bulk centre, give them the case no. and see what they tell you

With regards to Arrow
If Restons are acting on behalf of (which I suspect they are) then as you have already sent a prove it letter to them then I would be patient and see what comes back as a reply and take it from there

[robbityroo]

Re: Arrow global again....

CC, I'm ex MOD Police, so a letter telling me an account has been passed to Restons for processing isn't classed as a threat in my book lol. Believe me I've been threatened with a lot worse in the last 11 years...

Gordon, the letter is a notification of account transfer to new agency. It says that Arrow have appointed Restons to manage my account and all queries, correspondence and PAYMENTS (yeah right) should be directed to them.

hope this helps