Transcom Worldwide & Arrow Global

LeLLe

Hi there,

Sorry if i've posted this in the wrong place.

This morning i received a letter from TW on behalf of AG telling me they will be taking further action against me tomorrow (!) if i fail to pay the outstanding balance of £159.53. It doesn't say what the debt is for and i have no memory of what it could be for.
They say the next step would be to come to my house and collect the debt personally, which obviously, is quite frightening.
Does anyone have any idea what i should do? I'm wary of phoning them as i know some companies will use that as me acknowledging the debt as they are ruthless b*ggers!

Any advice is appreciated.

bargainbetty

You phoning them cannot be legally held up as you acknowleging the debt, so forget that. They require proof that a payment was made within the last six years as 'acknowledgement'.

If there is an address, write to them today, sending the prove it letter, send it signed for or special delivery to you can prove it was received. First things first - make them prove the debt they are following up is yours.

If they send a collector in the meantime, tell him to sling his hook before you call the police. He has no more legal rights than the postman, and you can revoke those too.

There are templates on the national debt helpline page, or do a search on here. Add a paragraph about revoking their implied right to visit your home or workplace. Advise them that you will not make any appointments for them to attend and any attempt by them to attend without such appointment will be considered trespassing and reported to the police as such.

Good luck

Tixy

As bb said above

Reply with this letter

Letter when you know nothing about about the debt - AKA "Prove it" letter

and the paragraph from here - http://forums.moneysavingexpert.com/showpost.php?p=23635529&postcount=60

LeLLe

I'll get that letter sent off ASAP. Thanks for your help x

Darud777

Hi - I have posted this is a similar thread but just thought I'd see if there is a better response to this more recent thread.

I also received a letter from Transcom/Arrow out of the blue (I think it might be to do with the recent electoral roll submissions for voting - I know it doesn't update until October, but I literally moved to my address a month ago and sent off the form on my door step for the upcoming electoral roll update etc), judging by the looks of it they are sending loads out at the moment! I've already sent off the required prove it letters this morning and revoking the right to visit me. 4/5 years ago I had another debt collector asking for the same debt but again I sent them proof that it had become a CCJ (with about 1/2 years of it to go before coming off my credit file) and they went away - I thought that would be the end of it debtor. Seems someone is selling off my debt to other companies when they realise they have bought a dud debt as the CCJ has been signed and served now fortunately for me (bad financial control as a teen and early 20's student)!

Annoyingly though, the letter was dated 31st July, I received it on the 10th August with the deadline for action date being the 10th August!! All seemed a bit dodgy but when I looked back through my records, the amount was recognisable from a debt in 2002 (unfortunately I even had the mis-pleasure of having it as a small CCJ for 6 years, but that has been gone from my credit file for almost 3 years now)!!!

I can understand little miss k's concerns, wife gave birth 2 months ago, and we are in the process of getting a mortgage acceptance offer and I'm nervous enough about that without this going on (all the credit cearches have been done, just underwriting it against our payslips and paper work and waiting on house valuation coming back ok)!!

As it was a debt that I technically didn't pay off circa £150 (it was a hotly disputed debt too, not just me not being bothered to pay it - catalogue - returned the item but they kept on adding admin fees etc for it not being paid for or being returned when it had been), but I "served" the 6 years of having it as an unsatisfied CCJ, it's all disappeared from my credit file now of course, I take it that there isn't much this new debt collector can do, being that the last debt collector from 4/5 years ago gave up chasing it when they had proof that it had already become a CCJ? Or now that it is no longer a CCJ, can they chase it again or worse still, apply for it to become a CCJ again?

Apples2

Are you saying you had a ccj against you which you have never paid?

Darud777

Yes it was a disputed debt, catalogue company claimed they never received the item that I had sent back. All amounted from a small purhcase with admin charges to a much bigger figure. Being a poor student I was never going to be able to pay it (when I shouldn't) or have the money to fight it. Took the CCJ on the chin, never paid it and left it go until it disappeared from my credit report over 3 years ago and have had no problems since - perfect credit score and rating since then. Then this letter comes out of the blue - but I see everyone is getting them from Transcom/Arrow and probably from Littlewoods' debts.

Apples2

Allly wrote: »

I'm so confused where this debt has come from?!

Plus the letter is addressed to someone else?! Is this a scam?

Seriously :T:T

Duke203

Allly wrote: »

Plus the letter is addressed to someone else?! Is this a scam?

No, you're now 'it' in the game of ebay tag. You need to find someone else to pass the letter on to otherwise you lose the game.

Don't forget the Thanks button

gb12345

Allly wrote: »

Plus the letter is addressed to someone else?! Is this a scam?

Send them the money and then take the other person to small claims court to claim it back.