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Moon phases


Arrow Global ... reared their ugly head again!

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Re: Arrow Global ... reared their ugly head again!

Post by Jinxer on Sat Nov 11, 2017 2:14 pm

And they will give a very unbiased view wouldn't they, would you bite the hand that feeds you. I know I wouldn't.

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​You will notice we say all over this site that our advice whether online or over the phone is entirely free. This is because National Debtline is part of a charity called the Money Advice Trust.

The Money Advice Trust is funded by a range of organisations including banks, building societies, water companies, energy companies, and Government. We receive funding from these organisations because they recognise that our advice helps their customers to tackle their debts effectively and sustainably.

You can read more about our funding on the Money Advice Trust website.

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Take a look at the list of where the charities funds come from HERE
Last time I ever give money to comic relief.

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Re: Arrow Global ... reared their ugly head again!

Post by Jinxer on Sat Nov 11, 2017 2:37 pm

I think a new thread should be started so the debate about statute barred can go on so as not to ruin LindyLous1962 thread any further. I hope Ian Robinson pops a few quid in your Christmas card this year.

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Re: Arrow Global ... reared their ugly head again!

Post by Jinxer on Sat Nov 11, 2017 3:13 pm

Ok thank you for making it clear. I think the poster of the thread will have a great deal of knowledge now about statute barred debt's and will be able to make an informed decision on what to do.
I would hedge my bets that that won't include acknowledging the debt or even to offer a payment plan, so to those ends National Debt Line and what they have to say will be of no consequence. So if you have more advice to add then feel free to mention it, but I think we've done the statute barred bit to death now and are not going to get any further.
How about one of these cases you attended Court for and got dismissed after offering payment, what about a new thread to discus that so you can educate me further.

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Re: Arrow Global ... reared their ugly head again!

Post by Jinxer on Sat Nov 11, 2017 3:37 pm

It has helped and you know what it's NONSENSE.
The next time you go to Court to use this scenario, please I beg you to give me a heads up so I can witness this for myself. I would travel anywhere in the Country to watch this in action.

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Re: Arrow Global ... reared their ugly head again!

Post by Tiggy on Sat Nov 11, 2017 5:26 pm

@LindyLou1962 wrote:Hi Tiggy,

I have just come across the following that was provided by previous DCA and seemed to have been overlooked! Senior moment!

Original Agreement with: Arrow Global Management Limited
Date of Original Agreement: 22/01/2007
Date of Transfer to Arrow Global: 10/05/2013

The original agreement was not with Arrow Global Limited!

Looks like last payment was made 22/10/2010 ... no payment made or offer made since then ... no acknowledgement of debt since then ...

LL Smile

The Date of the original agreement will be when you took out the credit, when a DCA purchases the debt they cannot place their own default onto your credit file they can only replace the original creditor, which is why it now says the original agreement was with with Arrow Global.

Under FCA rules a Debt purchaser is free to continue to chase a debt (unless it's in Scotland) until the debtor writes to say they believe the debt to be Statute Barred, if it is they are then prohibited from contacting the debtor again.

However, I would always caution anyone to get the date the Formal Default Notice was issued to be 110% certain it's passed the SB date before writing this type of letter.

Once a debt is statute barred it cannot be legally enforced against you.

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Re: Arrow Global ... reared their ugly head again!

Post by LindyLou1962 on Sat Nov 11, 2017 5:33 pm

Hi Tiggy,

As always a BIG thank you ... will pen a letter over the weekend and keep you up to date on events!

Smile

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Re: Arrow Global ... reared their ugly head again!

Post by Tiggy on Sat Nov 11, 2017 6:35 pm

@Quirinus wrote: It may well stay on your credit report for the rest of your life unless you make efforts to repay the debt. Being statute-barred does NOT mean the debt is extinguished.

Can you possibly type in a link to where you're getting this information from Quirinus?  

I cannot find anything that says that an unsatisfied debt remains on your credit file after 6 years, all mine fell off as soon as the 6 year date passed, but am interested to learn why this is your understanding.

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Re: Arrow Global ... reared their ugly head again!

Post by Lopsum on Sat Nov 11, 2017 6:38 pm

i suspect that he is a dca working for arrow.
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Re: Arrow Global ... reared their ugly head again!

Post by Lopsum on Sat Nov 11, 2017 6:41 pm

whats the best thing to do if they continue to try and enforce or just harass and lie ?
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Re: Arrow Global ... reared their ugly head again!

Post by Jinxer on Sat Nov 11, 2017 6:59 pm

@Lopsum wrote:whats the best thing to do if they continue to try and enforce or just harass and lie ?
I'll try and answer that, go and get a nonsense order. I don't know what one is but it maybe something in between a Tomlin order and bankruptcy, or maybe a bit like a stay or a unless order. I'm not sure what one costs though either.

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Re: Arrow Global ... reared their ugly head again!

Post by Lopsum on Sat Nov 11, 2017 7:08 pm

you havent offered any proof whatsoever of any of the rubbish you have said.
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Re: Arrow Global ... reared their ugly head again!

Post by daveiron on Sat Nov 11, 2017 7:16 pm

It seems clear its am attempt to get LindyLou to acknowledge the alleged debt.& in fairness to her this thread should be cleaned of all the crap
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Re: Arrow Global ... reared their ugly head again!

Post by daveiron on Sat Nov 11, 2017 7:28 pm

As nonsense appears to be your favorite word ,maybe you should have chosen it as your username ,seems more fitting.
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Re: Arrow Global ... reared their ugly head again!

Post by Jinxer on Sat Nov 11, 2017 7:51 pm

Is my default Statute Barred?
Although a default will be removed from your report after 6 years the lender may still pursue you for the debt, unless the debt is statute barred.

A statute barred debt is a debt which is seen as unenforceable as the creditor has not chased it in the period allowed.

If you have not made payment or signed acknowledgment of a debt in writing for 6 years in England and Wales and 5 years in Scotland then it could be statute barred.
Source

There's my reasoned argument, now go and find a link to prove it wrong with your reasoned argument.

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Re: Arrow Global ... reared their ugly head again!

Post by Lopsum on Sat Nov 11, 2017 7:52 pm

a picture paints a thousand words
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Re: Arrow Global ... reared their ugly head again!

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