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Posted: Wed Sep 22, 2004 3:34 pm Subject: ARROW FINANCIAL SERVICES

Aliases ( ? )	Arrow Financial Services
Address ( ? )	5996 W. Touhy Ave. Niles IL 60714
Phone ( ? )	(847) 557-1100 (847) 647-9538 (Fax)
Fair share ( ? )
Electronic Payment :
Paper Check :
Late Fees ( ? )
Interest rate ( ? )	%
Re age ( ? )
Acceptable Payment ( ? )
Account Numbers ( ? )	The account numbers of the company comprise of 8 digits 10 digits beginning with 0, 00, 000, 0000, 00000 and 000000.
Notes ( ? )	Arrow Financial Services is a debt buyer that buys accounts from original creditors. The number that Arrow needs to identify the customer, is the ID number located above the client�s account number on the remittance slip. If the client�s number is less than 10 digits in length, right is justified and left is filled with zeros to create a 10- digit number. They provide no benefits to clients joining a credit- counseling agency unless the account is originally with Providian. With these ex- Providian accounts, the APR is reduced to 0% and all fees are stopped. Also, if a proposal is accepted by Providian and sold to Arrow, Arrow will accept the dollar amount that was originally proposal to Providian. Providian will mark an account as charged off when it is sold to Arrow. Otherwise, for a proposed payment to be acceptable to Arrow, it must be an amount that can pay off the balance within 24 to 30 months, but can be no less than $50. If an account was sold to Arrow by any creditor other than Providian with a minimum payment amount that will not pay the account off within 24 to 30 months, Arrow will call the agency and request an increase. Once an account is sold, Arrow issues a new account number. Their account numbers are 8 and 10 digits in length. If the account number is less than 8 digits long, please add zero's in the front until it is 8 digits long. If it is 9 digits long, please add a zero to bring it to 10. They do not contribute to fair share under any circumstances Arrow Financial Services is both a collection agency as well as a Debt Buyer. They provide no benefits to clients joining a credit counseling agency except if it is an original Providian account. With Providian account, they will lower the interest rate to 0% and stop all fees. For an acceptable proposed payment, it must be a proposed amount that can pay off the account within 24 to 30 months - minimum proposed amount is $50 Their account numbers are 8 and 10 digits in length. If the account number is less than 10 digits, please add 0's in front of the account # to make it 8 or 10 digits long. The company does not contribute to fair share.

jean · Posted: Tue Jan 04, 2005 8:57 am Subject:

The CEO of this company is Jack Lavin.They generally buy your old debts for almost nothing. Then they go after the unsuspecting consumers with the usual threats of litigation, seizure, garnishment, etc.As a customer I've faced difficulties in dealing with them because sometimes they make false statements and fake orders,too.They sometime send cease-comm letters too.Having a contract with them is the toughest problem in life.So you should better avoid them.

READ · Posted: Wed Jan 12, 2005 2:23 pm Subject:

I am very hesitant of deaing with them due to the fact they are not the collection professional I have dealt with in the past. I have been FORCED to do something I didn't want to do because instead of payment being sent to them, I sent it to CitiBank instead and I am forced to pay more in intrest. they are uncooperative. What I mean is they were asked to send a copy of the payoff to Citibank and they are refusing. If they would I would have payoff of the debt. I hope I will not be SCREWED! If I am.........

Leary Consumer · Posted: Fri Apr 08, 2005 2:12 pm Subject:

Avoid Arrow like the plague! They use borderline illegal tactics, threats and intimidations to collect debts - even on people who do not owe anything. They tried to talk me into agreeing into the accepting a payment settlement offer on behalf of my husband who was not home on a debt he did not owe. They also called me several times only to hang up on me. Spread the word - avoid these sharks!

Stressed · Posted: Tue Jul 12, 2005 3:42 pm Subject: Arrow is a nightmare

This company is slimey and unethical. I really think they should be investigated because their business practices can't be legal. Not sure how to get my debt away from them.

Posted: Tue Jul 12, 2005 4:04 pm Subject:

Hi Stressed

Did you file a complaint against them at the DAs office and the FTC? If their illegal action is not reported, then they will continue with these types of illegal activities in a full fledged way. .

Please let me know if I can assist you in solving your queries.

Regards
Roxette

(VISITOR) MIKE · Posted: Sun Aug 07, 2005 3:34 pm Subject: Arrow

Hum, one of my bank of america account was sold

To them ... They reported me on the 3 credit

Bureaus + chex system ... I disputed the 4 account

And they were gone after 30 days ... Then i think

Two years (!) Later they reported me on transunion

(disputed and gone in 30 days). Thinking about it

They never contacted me. I even thought they went

Out of business because they phone was invalid ...

Posted: Sun Aug 07, 2005 6:11 pm Subject: Hi Mike

Hi Mike,

After going through different post I see that you have a lot of experience which will help others.

Please if possible spare some time and share your complete story at http://www.debtconsolidationcare.com/mystory/ . This will be of big help to many who are going through the same phase of life. Your participation will be highly appreciated.

Thanks
Denny

sully · Posted: Tue Nov 22, 2005 12:27 am Subject: arrow

these people call and call me all the time. I guess they have some old debt of mine. didnt ask, dont care. it is off my credit and i refuse to discuss anythign with them, they arent going to make it valid. I have even went as far as telling them that this isnt my phone, I have no idea who I am. LOL I dont say my name on my voicemail, but they call and call... it is recording and I am not going to call them back! They can just buzz off. Just because I cleaned up my credit. GRR!

Posted: Tue Nov 22, 2005 2:04 pm Subject:

Sully,

Just be a bit cautious while dealing with them. If you keep avoiding the calls, they can cause serious damage to you. Please have a look on how it can be done.

http://www.debtconsolidationcare.com/forums/scarycollection.html

If there is a past debt that needs attention, discuss with them and ask for debt validation. If they give you false information, you have the right to dispute it. This dispute can actually protect you from all the unnecessary legal actions.

I hope you will give a thought to it.

Regards
Roxette

Connie F Parks · Posted: Wed Dec 21, 2005 1:09 pm Subject: Arrow Financial Services

They are false and we all need to turn them in to the Atty General FTC and FDCPA.

Connie · Posted: Wed Dec 21, 2005 1:21 pm Subject: Arrow Financial Services

I filed a complaint with the Atty General of Ohio and Arrow wouldn't agree with the offer and they wouldn't send me anything with my signature. I have also filed a complaint with FTC

kad3eagle · Posted: Thu Mar 09, 2006 4:12 pm Subject: Arrow financial

Hello, I have gotten phone calls and two letters from Arrow Financial services. I told them that I do not owe this debt, as I paid it off 3 or 4 years ago with another credit agency. The proceded to scream at me , and then at my mother over the phone! I am now trying to contact the company I origally paid so that I can get these arrow people off my case!

Posted: Thu Mar 09, 2006 4:54 pm Subject:

kad3eagle,

Contact your original creditor and the collection agency who you paid the amount. Don't you have any proof of your payments, like receipts from the collection agency, check stub etc? This could help you at this situation.

Also file complaint against this collection agency that is harassing you and your family. You must know that third party debt collectors should maintain some decorum set by FTC under the laws of FDCPA. They cannot harass consumers while collecting debt. Contact BBB, FTC and AG's office of your state and report against them. Keep us posted.