New debt added to credit file from AGG - no idea who they are!

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Comments

  • sourcrates
    sourcrates Posts: 31,199 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    I sent an email to capquest asking using a prove it template.

    Here is the reply

    Good afternoon,

     

    Thank you for your email.

     

    Our records indicate Capquest is no longer an administrator of this account and we do not have access to the credit file reporting. Thus, we are unable to deal with your request. The current administrator is Arrow Global Massey. Can you please contact Arrow Global Massey directly as they should be able to look into this for you.

     

    Direct Line +44 (0)113 823 3993

    Email contact@agmassey.com

    Web agmassey dot com

     

    There you go, all the people sending me messages, asking me for this companies details,  please take note of this.
    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
  • hereagain22
    hereagain22 Posts: 90 Forumite
    Fifth Anniversary 10 Posts Name Dropper
    I sent an email to capquest asking using a prove it template.

    Here is the reply

    Good afternoon,

     

    Thank you for your email.

     

    Our records indicate Capquest is no longer an administrator of this account and we do not have access to the credit file reporting. Thus, we are unable to deal with your request. The current administrator is Arrow Global Massey. Can you please contact Arrow Global Massey directly as they should be able to look into this for you.

     

    Direct Line +44 (0)113 823 3993

    Email contact@agmassey.com

    Web agmassey dot com

     

    Are they the same as AGG booth title? 

    🙈
  • hereagain22
    hereagain22 Posts: 90 Forumite
    Fifth Anniversary 10 Posts Name Dropper
    I sent an email to capquest asking using a prove it template.

    Here is the reply

    Good afternoon,

     

    Thank you for your email.

     

    Our records indicate Capquest is no longer an administrator of this account and we do not have access to the credit file reporting. Thus, we are unable to deal with your request. The current administrator is Arrow Global Massey. Can you please contact Arrow Global Massey directly as they should be able to look into this for you.

     

    Direct Line +44 (0)113 823 3993

    Email contact@agmassey.com

    Web agmassey dot com

     

    I sent an email to capquest asking using a prove it template.

    Here is the reply

    Good afternoon,

     

    Thank you for your email.

     

    Our records indicate Capquest is no longer an administrator of this account and we do not have access to the credit file reporting. Thus, we are unable to deal with your request. The current administrator is Arrow Global Massey. Can you please contact Arrow Global Massey directly as they should be able to look into this for you.

     

    Direct Line +44 (0)113 823 3993

    Email contact@agmassey.com

    Web agmassey dot com

     

    Have you tried this ag Massey company yet? 

    Can you pls update us if you hear anything. 

  • fatbelly
    fatbelly Posts: 22,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    edited 12 March at 4:21PM
    Arrow Global Massey Limited is an Arrow Global Group Company, registered in England and Wales (08612076). Registered office Belvedere, 12 Booth Street, Manchester, M2 4AW. Arrow Global Massey Ltd is authorised by the Financial Conduct Authority under FCA number 718325.

    It does seem that this may be the way in to this mess of a company: 
    contact@agmassey.com
  • RAS
    RAS Posts: 35,069 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 16 February at 4:48AM
    That is the same address as used by multiple companies within the Arrow Global Group. There are literally dozens of nested companies each of which has as it's "persons with significant control" another Arrow Global company. They often share current or past directors, some of whom were also directors of Crapquest or Intrum companies before Crapquest was "spun off" a few years ago.

    According to Arrow Global's website most consumer debts were sold off in May 2023 and both Arrow and the "new owners" have appointed Crapquest to administer the debts. It doesn't confirm who the new owners are nor whether the entire portfolio was sold to one "new owner" or whether there are multiple "new owners".

    So one director I'm looking at right now has 5 current and one resigned directorships with either Intrum or Crapquest and was a director of Arrow Global Limited until 31 May 2023. All those companies use Booth Street as their registered address, although that doesn't mean they engage in any collection business at that address.
    If you've have not made a mistake, you've made nothing
  • hereagain22
    hereagain22 Posts: 90 Forumite
    Fifth Anniversary 10 Posts Name Dropper
    Just as an update on my side - nothing further received from transunion. I have checked my experian account and this is also posted on there under this AGG company so I have also raised a dispute with experian to see what happens.

    I am not sure whether to send a prove it letter to AGG at this general manchester address or should I wait and see what experian and transunion come back with? I also need to check equifax to see if it is on there. This is really not fun. 
  • hereagain22
    hereagain22 Posts: 90 Forumite
    Fifth Anniversary 10 Posts Name Dropper
    Does anyone know where we stand - if this company have bought a debt and are posting multiple late payments from last year but haven't made contact. How is this fair? Is there anything we can do? 
  • I sent an email to capquest asking using a prove it template.

    Here is the reply

    Good afternoon,

     

    Thank you for your email.

     

    Our records indicate Capquest is no longer an administrator of this account and we do not have access to the credit file reporting. Thus, we are unable to deal with your request. The current administrator is Arrow Global Massey. Can you please contact Arrow Global Massey directly as they should be able to look into this for you.

     

    Direct Line +44 (0)113 823 3993

    Email contact@agmassey.com

    Web agmassey dot com

     

    Are they the same as AGG booth title? 

    🙈
    I got an email from them and they said 
    « Dear Sir

    We refer to your email dated 14 February 2025.

    This account was previously owned by Vanquis Bank Ltd and was being master serviced by Capquest Debt Recovery after their appointment by AGG Booth Title Limited.

    AGG Booth Title Limited have appointed us, Arrow Global Massey, as master servicer.

    The default will remain on your credit file for 6 years from 16/09/2022.


    This was an account from 2014 that I had included in my own BR in 2023 and that I was discharged from in 2024.


    What i can’t understand is how they can suddenly appear on my credit  report as an. Open and in Default account - and place me on 6 years default from 2022??

  • RAS
    RAS Posts: 35,069 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If you sent them a Prove It letter, I can understand the response. 

    Did you tell them you are a discharged bankrupt? If not, do so now and provide the details on the Insolvency Register. Any response other than, "OK, we're closing your file", complain.
    If you've have not made a mistake, you've made nothing
  • I sent an email to capquest asking using a prove it template.

    Here is the reply

    Good afternoon,

     

    Thank you for your email.

     

    Our records indicate Capquest is no longer an administrator of this account and we do not have access to the credit file reporting. Thus, we are unable to deal with your request. The current administrator is Arrow Global Massey. Can you please contact Arrow Global Massey directly as they should be able to look into this for you.

     

    Direct Line +44 (0)113 823 3993

    Email contact@agmassey.com

    Web agmassey dot com

     

    Are they the same as AGG booth title? 

    🙈
    I got an email from them and they said 
    « Dear Sir

    We refer to your email dated 14 February 2025.

    This account was previously owned by Vanquis Bank Ltd and was being master serviced by Capquest Debt Recovery after their appointment by AGG Booth Title Limited.

    AGG Booth Title Limited have appointed us, Arrow Global Massey, as master servicer.

    The default will remain on your credit file for 6 years from 16/09/2022.


    This was an account from 2014 that I had included in my own BR in 2023 and that I was discharged from in 2024.


    What i can’t understand is how they can suddenly appear on my credit  report as an. Open and in Default account - and place me on 6 years default from 2022??

    I pushed them to remove the open account status from Transunion and as it was part of my Bankruptcy I am sorry to say, they also updated the status of the default to settled, but only because I pushed them to acknowledge that this was over 10 years old and owned by multiple other debt companies. So my default from 2014 now starts from 2022.

    The elephant in the room is here is how can a default be kept active for over 10 years by these companies? Is it legitimate to sell the debt to another holding within the same group and restart the clock. Surely this is making a joke of our rights somewhere??
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