Debt company asking for proof of adress

fatbelly

Is this who you're writing to?

This is their listing on the csa website

Arrow Global Limited

Services: Debt Purchase

Contact: Mr Zach Lewy

Email: zlewy@arrowglobal.net

Website: https://www.arrowglobal.net

Telephone: 0161 242 4495

Address: Belvedere , 12 Booth Street , Manchester , M2 4AW

fermi

Not sure if this guy is still a compliance officer, but.....

[FONT=&quot]Tim Corcoran[/FONT]
[FONT=&quot]Legal & Compliance[/FONT]
[FONT=&quot][EMAIL="name@arrowglobal.net"]tcorcoran@arrowglobal.net[/EMAIL][/FONT]

its_only_a_game_show

Hi guys

I have sent the letter to them stating for a reply within 7 days and have had no response. Can anybody forward me a typical template letter to which i should send to the OFT if this is the next step?? Or does anybody suggest i send a letter saying i do not acknowledge the debt but as i need it removed i will pay half as i am running out of time to apply for my mortgage now and i have been sending them letters for over 4 months now. Cheers in advance as usual.

fermi

Did you email your complaint to the compliance officer above?

its_only_a_game_show

Hi guys they have emailed me back with a alleged ‘account number’ and basically said that the agreement with orange was not regulated by the consumer credit act 1974, because of it being a service agreement for air time.

They stated they are under no obligation to provide documentation . The evidence is payments which i made? Don’t know how to respond to this but getting extremely frustrated so i am thinking of sending the following letter saying i will pay a percentage . see below . i can’t see this going another way. If the do remove the default will it completely be wiped out?
[FONT=&quot] [/FONT]
[FONT=&quot]Date:

Re: Account Number XXXX-XXXX-XXXX-XXXX[/FONT][FONT=&quot]

Dear Collection Manager: [/FONT]
[FONT=&quot]This letter is in response to your [letter / call / credit report entry] on [date] related to the debt listed above. I wish to save us both some time and effort by settling this debt.[/FONT]
[FONT=&quot]Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.[/FONT]
[FONT=&quot]I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher.[/FONT]
[FONT=&quot]I am willing to pay [this debt in full / $XXX as settlement for this debt] in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of $XXX payable to [Collection Agency] in exchange to have all information related to this debt removed from all of my credit files.[/FONT]
[FONT=&quot]If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of [Collection Agency]. The letter will be treated as a contract and subject to the laws of my state.[/FONT]
[FONT=&quot]As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt. [/FONT]
[FONT=&quot]Please forward your agreement to the address listed above.

Sincerely,

Your Name[/FONT]

BlushingRose

I don't understand why you're considering making a payment to them if the debt is not yours?

fermi

Ejits. :mad:

Write back stating that you have never had this Orange account, and that they are reporting false and defamatory information to the credit reference agencies.

Require that they removed the false information in accordance with the Data Protection Act.

If they wish to report a default then they MUST be able to back this up with original evidence that you owed the debt, and that you defaulted.

The point is, they must have SOME documentation/evidence to back up the default, otherwise they are in breach of the Data Protection Act.

So...

(1) Complain to Arrow in writing. See page 19 onwards of this link: http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/credit_explained_leaflet_2005.pdf

- Explain that you have never had this orange account, so the information recorded is false and defamatory.

- That you require it's removal and compensation, otherwise you will complain to the Information Commissioner and consider legal action to order it removed.

- Give them 14 or 28 days to remove the information.

(2) Lodge a formal dispute against the default via whichever credit reference agency you see the default on.

Hits them from 2 directions at once.

(3) Send a copy of the above complaint(s) via email to the company compliance officer.

To: [EMAIL="tcorcoran@arrowglobal.net"]tcorcoran@arrowglobal.net[/EMAIL]

Hits them from a 3rd direction.

fermi

its_only_a_game_show wrote: »

but getting extremely frustrated so i am thinking of sending the following letter saying i will pay a percentage . see below[FONT=&quot][/FONT]

(1) Why pay a debt that isn't yours? If you pay it, then that is saying that it is yours, which means they won't remove the default.

(2) That letter refers to USA acts and regulations. Nothing to do with UK debt. Bad bad idea to send.

Please read the proper OFT guidelines on debt collection regarding disputed debts.

https://forums.moneysavingexpert.com/discussion/3558031

its_only_a_game_show

thanks guys this is great, is there a template letter anywhere stating that i Require they removed the false information in accordance with the Data Protection Act.?