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Arrows, Capquest, moorcroft and HSBC managed loan/OD debacle


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Right OK.

 

So moorc@p flogged it on to Cr@pquest and failed to tell them that you had requested the CCA, typical cash cow account!

 

Do nothing, you have the 'signed for' receipt of Moorcr@p receiving your CCA request, this IMO is all you need, did they cash the £1 PO/cheque?

 

You're in the puerile game of letter tennis, until you ignore their idle threats they'll simply keep on stringing you along hoping that their lame empty threats will intimidate you enough to pay money you don't owe.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 months later...

today I've received a letter from Arrow stating "a change of agency"

- I've not made any payments or contacted them at all except to request the CCA.

But I believe this must be statue barred by now?

 

 

As the account was apparently taken out in 2008 (01/2/08).

There's more information on this letter

- apparently it was a HSBC personal loan

(I really have no recollection of ever taking a loan out with them!!).

Apparently it has now been passed to Shoosmiths LLP who "will contact me"

 

I'm so bleeding over this rubbish..... What with my hearing tomorrow I'm about to scream!

 

Any advice?

 

 

Is statute barred from inception date or default date?

 

 

I'm pretty sure I've seen from Dx that it's from inception date....

 

 

In that case this would be SB'd and I'd like to tell them so and move on....

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Because I was advised (on here - on this thread) to "not poke the sleeping dog"

 

I stand by what I've said previously I don't know what this is and I have no recollection of what this is.

 

Is now the time "to poke the sleeping dog?"

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Hi - here goes:

 

 

Compello (was HSBC Loan) £8.30

Lowell (was O2) £2.50

Lowell (was Vanquis) £1.70

MCS (was HSBC) £0.70

UK Search (was JD Williams) £3.90

 

 

I got all these after my marriage broke down and I (obviously) took what was owed by myself.

 

 

the above was 2014...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i would suggest that as someone else was dealing with things and you would not have gotten letters

that HSBC converted everything over to a 'managed loan' as they did then [use the cag search box in the red toolbar and read up on HSBC managed loan

 

 

did you ever have a bank account with hsbc too?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

you state no loan taken out then why have you not told them to prove it? as yopu have never taken a a HSBC loan!????

 

Because it simply encourages the little darlings and you then enter the tedious game of letter tennis, prove it letter is so 80's!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks, Baz - quick question.... national debt line have advised me to send a prove it letter. They also say that the CCA I sent way back in 2013 was an acknowledgment of the debt. Is that true??

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NO NO and NO

 

 

its unlike them to make so many mistakes..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I've gone through all the letters received from Arrow - Moorcroft - Westcot - Capquest and now Shoosmiths (letter before action received from them today).

 

In 2015 I got a letter in response to my s78 request from Moorcroft stating that they acknowledge my request and they've requested the documents and until they receive them all collection action is suspended... but I've continued to get letters from Westcot - Capquest etc...

 

Today I get a letter from Shoosmiths stating my "payment" options etc.

 

Should I send another s78 request to Shoosmiths reminding them of the Moorcroft letter back in 2015?

 

Not sure I am able to go through the Court merry-go-round again...

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no shoosmiths are a solicitor not a creditor.

who are their stated client.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

says their client is arrows

so since 2015 its been sold.

I would not be entering into any letter tennis

nor sendanything.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

it was sold by Arrow to Westcot in early 2016 then to Capquest in late 2016 only to be back with Arrow now who've instructed Shoosmiths? All very confusing...So who should've responded to the s78 request?

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nope..

 

 

capquest are arrows as are shoo's

 

 

wetcloths don't buy debts they simply chase for 'a client' this time being arrows.

 

 

but its a pointless anyway..

 

 

all you've done is done what they wanted you to do..panic.

thinking its going up some kind of escalation ladder

its not

its all the same DCA just using differing names

probably exactly the same printer...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ofcourse

the only reason this is all going on is its very near to SB date [august]

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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