Transcom/Arrow Global - unknown debt

fermi

Oh, and be aware that these companies will often find a convenient "payment" made less than 6 years ago so claim debts are not statute barred.

When pressed though, 90% of the time it turns out to nonexistant, or was the payment made by them when they bought the debt.

Don't let them bluff you if they claim this. Deny that you ever made one if you didn't, and ask for proof of it that they would seek to rely on in court.

cheekyweegit

Another to add to the collection, got my 2nd letter today for a debt I have no idea about £269.xx.

No reference as to what it is for.

I'll leave it a week or so before deciding what to do or do I write now?

A little worried about my credit file as I'm considering purchasing my house maybe next year.

diddldonna

Need to sort my statute barred letter out, i would have thought that if i had a debt that it would have shown on my credit rating?

fatbelly

diddldonna wrote: »

Need to sort my statute barred letter out, i would have thought that if i had a debt that it would have shown on my credit rating?

Not necessarily. If it was defaulted more than 6 years ago, it would no longer show. Not all debts are recorded on your files anyway - depends what it was.

If you don't recognise the debt, send a prove-it, not a statute barred letter

diddldonna

fatbelly wrote: »

Not necessarily. If it was defaulted more than 6 years ago, it would no longer show. Not all debts are recorded on your files anyway - depends what it was.

If you don't recognise the debt, send a prove-it, not a statute barred letter

Where will I find a copy of these type of letter, thank you.

fermi

Prove it letter ---> https://forums.moneysavingexpert.com/discussion/2607247

fatbelly

OK, links added to my last post now.

diddldonna

How id everyone getting on with the letters and this company? any updates? ive not heard anything.

trip103

We've recently received a number of pre-recorded messages on our home phone requesting we call Rockwell Debt Collection Agency re an outstanding debt. We've ignored all the calls and have now received a letter from Rockwell stating my husband owes Arrow Global Guernsey Limited £165.40 - the original lender being Shop Direct (Carval).

It's claiming that if we don't respond or send at least a token payment within the next 14 days they may pass our account to their specialist recovery agents Fenton Cooper!

My husband and I have absolutely no debt other than our mortgage. Our current home was bought as a reposession - could it be that the house has debt attached to it from the previous owner?

Is it worth sending the prove it letter off or shall we just wait to see what happens. I don't want to respond as it may encourage them to keep trying to chase whereas if we ignore it they may just go away?

What would be your recommendation?

fatbelly

trip103 wrote: »

We've recently received a number of pre-recorded messages on our home phone requesting we call Rockwell Debt Collection Agency re an outstanding debt. We've ignored all the calls and have now received a letter from Rockwell stating my husband owes Arrow Global Guernsey Limited £165.40 - the original lender being Shop Direct (Carval).

It's claiming that if we don't respond or send at least a token payment within the next 14 days they may pass our account to their specialist recovery agents Fenton Cooper!

My husband and I have absolutely no debt other than our mortgage. Our current home was bought as a reposession - could it be that the house has debt attached to it from the previous owner?

Is it worth sending the prove it letter off or shall we just wait to see what happens. I don't want to respond as it may encourage them to keep trying to chase whereas if we ignore it they may just go away?

What would be your recommendation?

As they've actually made the allegation in writing I would reply with a prove-it. Keep us posted with their response.