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Debt managers services
mandygrace
Posts: 8 Forumite
Hi, I received a letter a couple of months ago about a debt with Arrow Global who I believe are collecting on behalf of a catalogue. I disputed the debt and they have written back to me today saying our client has advised they are unable to provide any documentation regarding this account, the balance remains outstanding
My question is if they cannot provide any documentation can they still chase this and secondly the date of default is March 2008 so over 6 years ago, would it be statute barred? I haven't acknowledged the debt in any of my correspondence but would the fact I've written to them change this?
TIA
My question is if they cannot provide any documentation can they still chase this and secondly the date of default is March 2008 so over 6 years ago, would it be statute barred? I haven't acknowledged the debt in any of my correspondence but would the fact I've written to them change this?
TIA
I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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Hi mandy
I believe there is a "Prove it" letter template on this very website that could be used in this scenario? I will find the link and post it here if no one else does in the meantime.
If they have no paperwork it is likely to make their job harder, yes. Whether the debt is statute barred has less to do with when the account officially defaulted, and more to do with when payments were actually first missed.
Regards
Dennis
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
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