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

RAS

As I keep saying, go speak to your local MP. And check you've made a formal complaint, not just tried to negotiate a deal. If you have and you don't like the answer escalate to the ombudsman.

sourcrates

Now you complain to the ICO, and get this corrected.

fatbelly

The 'complaint' organisations are FOS and ICO. Both will want you to have first complained to the company concerned, and we do now have an email contact for them.

Then you can pass on their answer or if 8 weeks have passed, their non-answer

Technically FOS deal with Consumer Credit Act debts and ICO deal with marking of credit files

hereagain22

peasofmind said:

peasofmind said:

hereagain22 said:

peasofmind said:

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??

I agree - I don't see how this can be legitimate. It is so complex - so many companies involved and zero clarity or contact with people but just adding info the credit agencies. I have complained in my email that this is providing inaccurate info to the agencies as they have not made contact with me so how can they say I am missing payments? They have never informed me of owing them any money lol! They sound like a really dodgy operation and I have asked them to clarify who is who - so many company names. I have sent the letter signed for to AGG so see if that is delivered. I am giving two months and then taking it to the ombudsman. I have asked them to remove the 6+ months of missed payments as that is not accurate.
I have had no response to my email to AG Massey which was sent on Weds. Dodgy AF and I am so angry that they have been posting on all our files without making contact. 
 

sourcrates

hereagain22 said:

I agree - I don't see how this can be legitimate. It is so complex - so many companies involved and zero clarity or contact with people but just adding info the credit agencies. I have complained in my email that this is providing inaccurate info to the agencies as they have not made contact with me so how can they say I am missing payments? They have never informed me of owing them any money lol! They sound like a really dodgy operation and I have asked them to clarify who is who - so many company names. I have sent the letter signed for to AGG so see if that is delivered. I am giving two months and then taking it to the ombudsman. I have asked them to remove the 6+ months of missed payments as that is not accurate.
I have had no response to my email to AG Massey which was sent on Weds. Dodgy AF and I am so angry that they have been posting on all our files without making contact. 
 

Unfortunately this kind of behaviour in the debt collection world is not uncommon.

Mis-information, the use of shell collection companies, bad data handling, claiming contact was attempted when it wasn`t, threatening to take the kitchen sink, and long periods of radio silence, I could go on.

All regular occurrences prior to FCA intervention, however in more recent years, most companies are at least more compliant, but the odd one, like in this case, still just messes with your head somewhat.

hereagain22

sourcrates said:

hereagain22 said:

I agree - I don't see how this can be legitimate. It is so complex - so many companies involved and zero clarity or contact with people but just adding info the credit agencies. I have complained in my email that this is providing inaccurate info to the agencies as they have not made contact with me so how can they say I am missing payments? They have never informed me of owing them any money lol! They sound like a really dodgy operation and I have asked them to clarify who is who - so many company names. I have sent the letter signed for to AGG so see if that is delivered. I am giving two months and then taking it to the ombudsman. I have asked them to remove the 6+ months of missed payments as that is not accurate.
I have had no response to my email to AG Massey which was sent on Weds. Dodgy AF and I am so angry that they have been posting on all our files without making contact. 
 

Unfortunately this kind of behaviour in the debt collection world is not uncommon.

Mis-information, the use of shell collection companies, bad data handling, claiming contact was attempted when it wasn`t, threatening to take the kitchen sink, and long periods of radio silence, I could go on.

All regular occurrences prior to FCA intervention, however in more recent years, most companies are at least more compliant, but the odd one, like in this case, still just messes with your head somewhat.

It is terrible that they can still do this and I am fuming! 

I am involving Experian at every opportunity - sure they are absolutely sick of me now and they just keep saying that the data is not theirs, they cannot change it, but I am making it clear to them that I have had no contact from this company and so they should not be able to post multiple missed payments. Transunion have suppressed the record for me so I am frustrated that Experian will not do the same. All they can do is put a note on to say that I am disputing it and they just say that when I have evidence I can send it to them. I just keep saying no I have no evidence as zero contact!! 

If they had contacted me and set up a payment plan then fine I would've been annoyed at a new £600 debt springing up but I would have just dealt with it and starting paying. I am so annoyed at how they have managed this. They have time to report it to the CRAs but not to actually write to us? 

The_Third_Base

These guys are a nightmare...

Going through the same process at the moment - as mentioned previously, the CRA's won't do anything apart from TransUnion who did remove it - but they just went to Experian and put it on there - Experian won't do much except take their word over yours.

I have found the following way useful ;- 1) Contact original debt provider and raise a DSAR (if they respond, you should hopefully get the notice of assignment to AGG and more importantly the default date on the account. (normally 3-6 months from last payment) If it's a credit card you should be under CCA rules - the default date is important as you could be statute barred if over 6 years - as AGG can't legally take you to court in any case, well let's just say the likelihood of them winning is slim an they know it! 

1a) If you do the DSAR via the ICO website - this saves you some time later - because if the original debt provider doesn't respond in 30 days you MUST raise a complaint via email to them directly on the 31st day, and if still no response after 2 weeks later, lodge this complaint with the ICO to possibly claim compensation.

That in the very least will get some form of response from them as they know the ICO has some teeth!

You can after 8 weeks of no response or satisfactory outcome, contact the Financial Ombudsman lodge a complaint with them and claim again - there are many cases listed under FO decision database where many have claimed up to £350, just because they original debt provider was unwilling to supply you with the accurate information you needed to sort out your credit file. 

2) Simultaneously raise a DSAR with AGG (Because they are the current DATA Controller) - again through the ICO so there is a record and repeat the process as above - AGG don't usually respond - and although it takes time - eventually once you have formally got to complaint stage (remember to keep your emails) and once the Financial Ombudsman get involved - there is usually a financial compensation towards you and more importantly you can prove whether the debt exists or not. You need the paperwork to see If it is statute barred - under CCA rules it should fall of your credit file anyway - Remember the debt still exists and AGG can still chase you for it - but they cannot enforce it - an offer - maybe something low will appease them to leave you alone. They bought it for pennies so the chances are they would accept something to clear it off.

RAS

Data Subject Access Request.

The AGG or parts of their spider's web of companies bought up millions, possibly billions, for old debts. They appear to have sold bonds by which the buyers funded these purchases and are paid out depending on how much AGG and crew extract from the debts. As far as I can understand their websites and structure.

I keep saying it but get hold of your local MP and explain what is happening to you. Because it is happening everywhere.

hereagain22

The_Third_Base said:

These guys are a nightmare...

Going through the same process at the moment - as mentioned previously, the CRA's won't do anything apart from TransUnion who did remove it - but they just went to Experian and put it on there - Experian won't do much except take their word over yours.

I have found the following way useful ;- 1) Contact original debt provider and raise a DSAR (if they respond, you should hopefully get the notice of assignment to AGG and more importantly the default date on the account. (normally 3-6 months from last payment) If it's a credit card you should be under CCA rules - the default date is important as you could be statute barred if over 6 years - as AGG can't legally take you to court in any case, well let's just say the likelihood of them winning is slim an they know it! 

1a) If you do the DSAR via the ICO website - this saves you some time later - because if the original debt provider doesn't respond in 30 days you MUST raise a complaint via email to them directly on the 31st day, and if still no response after 2 weeks later, lodge this complaint with the ICO to possibly claim compensation.

That in the very least will get some form of response from them as they know the ICO has some teeth!

You can after 8 weeks of no response or satisfactory outcome, contact the Financial Ombudsman lodge a complaint with them and claim again - there are many cases listed under FO decision database where many have claimed up to £350, just because they original debt provider was unwilling to supply you with the accurate information you needed to sort out your credit file. 

2) Simultaneously raise a DSAR with AGG (Because they are the current DATA Controller) - again through the ICO so there is a record and repeat the process as above - AGG don't usually respond - and although it takes time - eventually once you have formally got to complaint stage (remember to keep your emails) and once the Financial Ombudsman get involved - there is usually a financial compensation towards you and more importantly you can prove whether the debt exists or not. You need the paperwork to see If it is statute barred - under CCA rules it should fall of your credit file anyway - Remember the debt still exists and AGG can still chase you for it - but they cannot enforce it - an offer - maybe something low will appease them to leave you alone. They bought it for pennies so the chances are they would accept something to clear it off.

Thank you for this detailed plan. 
Can I check where are you up to in this - have you received any response from them/anyone?! I am really frustrated at Experian, they just keep sending me the same copy paste response about the data being the lender's not theirs. 

I have checked the debt that I think this is and this AG Massey company have told Experian it is - an old Vanquis credit card, the account was closed by Vanquis in 2021, it has never been defaulted on my credit file. The current AGG on my file is also not showing as a default, just loads of missed payments. 

I am really desperate to sort this out as I am hoping to apply for a mortgage in the next couple of years so really can't have this hanging over me  

I have sent a prove-it letter so should I also do the DSAR as well?

Just looking at the ICO website - am I reporting a breach first of all? Then following up with a complaint on day 31 via email. Then 2 weeks after raise a complaint on the ICO site.

* just not sure how to do the first stage via the ICO site if you can help please - the DSAR request, I am reading through the site but not sure how to do this bit. 


So just to get it clear:

DSAR with Vanquis via ICO website.
Complaint to Vanquis after 31 days if no response - then complaint via ICO after 2 weeks from then

DSAR with AGG via the ICO site
Complaint to AGG after 31 days, then complaint via ICO 2 weeks later.

Have I understood?

Thanks for your help! 

hereagain22

RAS said:

Data Subject Access Request.

The AGG or parts of their spider's web of companies bought up millions, possibly billions, for old debts. They appear to have sold bonds by which the buyers funded these purchases and are paid out depending on how much AGG and crew extract from the debts. As far as I can understand their websites and structure.

I keep saying it but get hold of your local MP and explain what is happening to you. Because it is happening everywhere.

Sounds all very dodgy. I am not sure how they can get away with this kind of thing these days!! 

I am not sure how helpful my MP would be but I can give it a try