Bankruptcy and Arrow Global

Glimmeroflight

Hi,



Here's the long and the short of it....... I had a debt of £3500 with virgin credit card this debt was pasted to arrow global in 2009 I received one letter stating that the debt had been transferred to Arrow Global. I immediately contacted Arrow Global "sept 2009" and set up a payment of £100 a month and a charging order was made against my property untill the debt was paid back in full (I have proof of these payments being made by DD on my bank statements). Fast forward to late Dec 2009, i receive a phone call at work on my mobile from the OFFICIAL RECEIVERS OFFICE asking me why I haven't attended my appointment with them...........?? I have know idea what they are on about and the very nice lady on the phone has to tell me that I was made bankrupt on the 13th November 2009 petitioned by Arrow Global for the debt of £3500. I had absolutely no knowledge of this what so ever I never received any correspondence with regard to the court date nothing. The official receiver checked my address details and they were completely wrong! (but I no that arrow global have the right details as they had sent me a letter back in sep when they bought the debt and i set up payment) Anyway my world came crashing down and once I'd been to see the official receiver and explained the situation also taking along proof of payments made (one payment was even taken by arrow global after they had made me bankrupt) and the agreement they told me there was nothing I could do. I tried CAB but they didn't really have any idea where I stood and I could afford to pay for legal advise.


So here we are in March 2011 and I receive a letter from Arrow global telling me that they have passed my debt of £3500

"We advise that Arrow Global, LLC has assigned all of its respective rights, title and interest in respect of the above referenced account (including the rights to receive payment of the outstanding balance) to Arrow Global Guernsey Ltd.

Please note that all current arrangements in respect of such account shall remain in pace and you should direct any queries to: Westcot Credit Services, PO Box 137........."

I've spoken with Westcot and they were unaware of the bankruptcy and asked me how I would like to pay back the debt?!

After almost a year and half of this very strange and dodgy situation making my life hell it's all coming back around. Surely I must be able to fight this in some way as I feel I've been treated very unfairly and not had any chance to of made myself heard.

Any advice would be fantastic.

Thank You sorry to ramble x x

RAS

Please go over to the bankruptcy forum here and to the CAG web-site.

king100

http://www.consumeractiongroup.co.uk/forum/showthread.php?237731-arrow-global-has-made-me-bankrupt

Thats a good read about your situation

Sparklyfairy

Omg - what a horror story! I hope the mods can move your post to the bankruptsy board as mentioned above (or you can start another post there) - you'll have a better response that way. Also, try to call the National Debt Line & see what their advisors say...just goes to show how utterly unorganised & shady these debt collection agencies can be...please tell me you're planning on filing a complaint with the FOS!!

Glimmeroflight

I've registered with the CAG web site but i can't figure out how to post to the site?
I hadn't thought about that i'll def look into the complaint process with FOS. Thank you

fermi

Glimmeroflight wrote: »

I've registered with the CAG web site but i can't figure out how to post to the site? Thank you

Click this link: http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=170

Once you've posted your story, give 42man (site team member) a PM asking them to take a look.

He was made bankrupt by a DCA without his knowledge and successfully got the bankruptcy cancelled/set aside.