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contact after 2 years

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BEAT_THE_DEBT
BEAT_THE_DEBT Posts: 2,219 Forumite
Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
in Credit file & ratings
Hi i have had a letter from arrow global and no payments have been made for 2 years. They said no extra charges have been made an it was an error not sending out statements to me. Ti be honest i though it was settled as part of my dmp?
Anyone else heard of this?

Comments

  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Check your DMP.

    And check all 3 of your credit files to see what they show.
  • BEAT_THE_DEBT
    BEAT_THE_DEBT Posts: 2,219 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    not on my credit file. I have found out it wasn't settled but why no contact for 2 years?
    Thanks in advance
  • sourcrates
    sourcrates Posts: 31,510 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    BEAT_THE_DEBT wrote: »
    not on my credit file. I have found out it wasn't settled but why no contact for 2 years?
    Thanks in advance


    Debt collection can be a very long process at times, things get overlooked, companies tend to concentrate on accounts that make them money, there is always a reason why, its also no coincidence that a lot of accounts about to go statute barred, suddenly end up with court claims.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • BEAT_THE_DEBT
    BEAT_THE_DEBT Posts: 2,219 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    I have to pay them but they don't hold the initial debt. Will they default me now if i don't pay what step change was paying?
  • Willing2Learn
    Willing2Learn Posts: 6,294 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 27 October 2018 at 5:06PM
    Hi,

    Just looking at your recent two threads. Has something happened that has impacted your ability to keep to your dmp payments? How many accounts are you struggling with?

    Edit: And yes, they can default you if you don't keep to your dmp arrangement.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
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