Arrow global

Diamond_lover

Hi, I hope this is in the right place, please redirect if not.
My oh received a letter this morning from a company called arrow global. It says:


Dear mr ********
Here at arrow global, we sometimes like to work in partnership with organisations who offer products and services that we think may help you to repay your debt.

We want to give you the opportunity to opt out of receiving information about products or services from arrow global and or our partner organisations in the future. To opt out of any future offers please detach and return the slip below in the pre-paid envelope within the next 14 days.

Your account is currently being managed by largo collections ltd on our behalf and you should direct all queries, correspondence and payments to them.

Yours sincerely

Arrow global
On behalf of arrow global limited

---

There is a reply slip at the bottom of the letter with two reference numbers.

Both my oh and myself were declared bankrupt 7 years ago.

My question is. What do we do about this letter? We have no idea what it is concerning as we have no outstanding debt owed.

Thanks in advance

fermi

Do not reply as yet, as it is a poorly designed "fishing" letter from Arrow.

Arrow may have bought one of the debts from your bankruptcy. Creditors do sell them on despite being covered by a BR, so that would not be unusual.

Arrow also have a nasty habit of recording recent defaults on your credit files for old/expired debts, so the main thing to do is check your credit files to see if they have slapped anything on.

- If they have and it is one of the old debts from your BR, then you can force Arrow to change the default to your BR date, which would wipe it from your file.
- If they have and it is not your debt, then obviously that is false information and you could complain to get that removed.
- If nothing on your reports then I would sit tight to see if they write again with details of what they are after. You might never hear from them again if there is an error.

fatbelly

Seems meaningless to me. Straight in the bin.

Cross posted with Fermi - admittedly more helpful info in that post

Diamond_lover

Thanks fermi.
I'll get oh to check his credit file and see if there is anything on there.

I thought we were free from all this hassle and worries.

fermi

I agree with fatbelly, with just the caution that Arrow Global make a habit of screwing people's credit files with false or inaccurate entries, even when the debt is not owed. So that needs to be checked and action taken if so.

Diamond_lover

Yes, definitely. It's taken us years to get back on to an even footing. Don't want them wrecking it all.

[Deleted User]

if they are pursuing a debt that was included in a bankruptcy order, then they are technically in contempt of court. A creditor may not contact a debtor once a bankruptcy order has been made; end of story.

fermi

Not in contempt of court. But if they know that the debt is covered by a bankruptcy then they would be in breach of OFT guidelines, CPUTR and perhaps a few other things.