Arc Europe debt collector for credit card debt

by Scarlet Tiger Thu Jan 02, 2020 2:20 pm

Hi

I've sent the three letter process to Arc Europe who keep coming even after the estoppel notice.
They claim only to be collecting for Nationwide and not to have purchased the debt.
They include a letter from the Nationwide saying my 'complaint ' has been given a final response
and that it is still outstanding.
Do I just send them a bill now as they have sent another letter?

Thanks!!

by **Mrblue2015** Thu Jan 02, 2020 3:23 pm

Hi,

Have you been sending the letters for DCAs or for Debt Purchasers? How much is the alleged debt for? DON’T reveal the full amount, just round up to the nearest £1,000.

Don’t worry about final demands etc. Nationwide will eventually sell on...

by Scarlet Tiger Thu Jan 02, 2020 6:34 pm

Hi

Thanks for your reply.
Not sure what DCAs are, I just sent them the standard letters for debt collectors.
Alleged debt around the £4000 mark.

I've used the letters before with the same debt years ago, then this.
Nationwide used a different collector back then.
These lot are saying they haven't bought the debt but are just acting
on Nationwides behalf.

by **daveiron** Thu Jan 02, 2020 8:16 pm

Hi,
When was the account opened & what was the default date ?

by **Mrblue2015** Thu Jan 02, 2020 11:10 pm

Scarlet Tiger wrote:Hi

Thanks for your reply.
Not sure what DCAs are, I just sent them the standard letters for debt collectors.
Alleged debt around the £4000 mark.

I've used the letters before with the same debt years ago, then this.
Nationwide used a different collector back then.
These lot are saying they haven't bought the debt but are just acting
on Nationwides behalf.

DCA: Debt Collection Agency. The letters for DCAs are different to the letters for Debt Purchasers.

It’s important you select the correct letters:

https://goodf.forumotion.com/f37-new-letters-process

And as you say, it’s just another collector so use the following letters:

https://goodf.forumotion.com/t1163-new-alternative-letters-for-dca-s-acting-as-agents

by Scarlet Tiger Fri Jan 03, 2020 6:47 pm

daveiron wrote:Hi,
When was the account opened & what was the default date ?

Hi,

The credit card account was opened in April 2013.
Last payment made was February 2016.

Thanks for the reply.

by Scarlet Tiger Fri Jan 03, 2020 6:58 pm

Mrblue wrote:
Scarlet Tiger wrote:Hi

Thanks for your reply.
Not sure what DCAs are, I just sent them the standard letters for debt collectors.
Alleged debt around the £4000 mark.

I've used the letters before with the same debt years ago, then this.
Nationwide used a different collector back then.
These lot are saying they haven't bought the debt but are just acting
on Nationwides behalf.

DCA: Debt Collection Agency. The letters for DCAs are different to the letters for Debt Purchasers.

It’s important you select the correct letters:

https://goodf.forumotion.com/f37-new-letters-process

And as you say, it’s just another collector so use the following letters:

https://goodf.forumotion.com/t1163-new-alternative-letters-for-dca-s-acting-as-agents

Hi,

That's great thanks.
Whats the OC in brackets stand for? 'Claiming that I owe a debt to xxxxx(OC) '
Also, do I send two notices, one to the CEO and a carbon copy to the contact name?

Thank you again!

by **daveiron** Fri Jan 03, 2020 7:43 pm

OC is original creditor ,that will be Nationwide.

Just the CEO is fine or whoever has been contacting you .One letter is all you need .remember to
send recorded delivery or at the very least get proof of posting.

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Arc Europe debt collector for credit card debt

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