No response to CCA request - Arrow Global

Scootymad

Just after a bit of advice please.

I submitted a CCA request to Arrow Global, as they recently appeared on my credit file... By the looks of it they have taken over the debt.

I sent in the initial CCA request with the £1.00 fee, to which I received no response. I have since sent in a 2nd letter stating they are in default etc, and have 14 days to respond. What do I do next, if I then don't hear from them?

TIA

happy_bunny_2

What's the debt for?

When was account taken out?

When did you last pay towards this?

You are sure its your account?

Did you send signed for?

Sorry about all the questions, but necessary for a decent response.

HB

nottoolate

why send a cca request on a debt you dont know about? should have just been a demand to prove it or remove the default

Scootymad

happy_bunny wrote: »

What's the debt for?

When was account taken out?

When did you last pay towards this?

You are sure its your account?

Did you send signed for?

Sorry about all the questions, but necessary for a decent response.

HB

The debt was for an old store card taken out in 2009

Im not sure when a payment was last made

Yes, its my account, and yes it was sent signed for

happy_bunny_2

Ok, chances are they will be able to dig up a decent CCA on a debt that recent. At some point.

Still, they haven't complied with your request, so ignore them til they do. Any further letters, remind them of their obligation to send you the CCA and to !!!!!! off til they do so.

Scootymad

So can I not pursue them any further for not responding to my CCA request?

happy_bunny_2

Scootymad wrote: »

So can I not pursue them any further for not responding to my CCA request?

You could, but why bother?

They can't do anything until they provide it.

You know its your account, so you are unlikely to just get them to go away.

what are you hoping to get out of this?

Scootymad

They are a new company taking over the debt, so I want to ensure they have the correct paperwork to take it, if not, I want them to sod off and remove the default associated with it.

nottoolate

may get them to sod off but doubt you will get the default removed

happy_bunny_2

Scootymad wrote: »

They are a new company taking over the debt, so I want to ensure they have the correct paperwork to take it, if not, I want them to sod off and remove the default associated with it.

Ok, the prove it letter would have done that.

As it is, just wait for a reply, and if no CCA just tell them its in dispute til they provide it. Then ask for proof thy own the debt, as they should have a notice of assignment.

Scootymad

Man Arrow Global are good at delaying things.

Got a letter through, with my original Postal Order attached saying that my address I've put on my letters don't match what they have on their system, even though I have spoken to numerous people recently before the letters who have confirmed my address is correct.

Where do I stand now?