Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Lombard / Arrow Global/wescott

    received a lettericon from Lombard that they are handing all my details over to Arrow Global on the 5th December 2011,

    today i received a lettericon from Arrow Global saying that Westcot Credit Services will be collecting the debt on their behalf
    and any dealing regarding this debt are to be addressed to Westcott.

    The last correspondence i had with Royal Bank of Scotlandicon and their debt collectionicon agency "Arden debt managementicon"
    was a letter sent recorded saying the account was in dispute.

    Arden went quiet

    However Lombard sent me statement on a regular basis and then they sent the letter stating that they had sold or transferred the debt to "Arrow Global"

    Do i do anything at this stage or do i make the first move to Westcott stating that the debt of 1727.71 is in dispute with the Royal Bank of Scotland
    and they have bought a duff debt.

    Can they put a mark on my credit file if i don't play ball.

    Can Westcott legally chase me for the money.

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  2. #2
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Wescott Credit Services

    no they cant

    does this debt show already>

    dx

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  3. #3
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    Default Re: Wescott Credit Services

    Quote Originally Posted by dx100uk View Post
    no they cant

    does this debt show already>

    dx
    No


  4. #4
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    Default Re: Westcott Debt Collection

    phishing trip

    ignore wetcloths

    dx

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  5. #5
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    Default Re: Westcott Debt Collection

    When did you last make a payment or acknowledge this debt in writing?


  6. #6
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    Default Re: Westcott Debt Collection

    I am concerned here Chafeuer boy states he was missoldicon
    the the loan ??? If he new at this point he was not able to
    service the loan why did he accept it, imo '' only his only
    intention to give the kids what they needed'' is not
    a good or or even defencible reason for defaulting on
    the debt.
    Having now admitted he was living beyond his means.
    How can one say the creditor is at fault here.


  7. #7
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    Default Re: Westcott Debt Collection

    The Last Payment was 24/2/2010 they have not badgered me since for any payments just sent me statements without additional interest i have contested the Loan however they have issued a original of the CCA but when challenged about it being missoldicon they went quite.


  8. #8
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    Default Re: Westcott Debt Collection

    Can Westcott Touch Me is the Question?


  9. #9
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    Default Re: Westcott Debt Collection

    Personaly I think the missellingicon would have to be tested in court.


  10. #10
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    Default Re: Westcott Debt Collection

    Thank you for all your advice, one last think are they allowed to give another company all my Data? without my consent. Should i just ignore all correspondence from Wescott?

    Thanks again


  11. #11
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    Default Re: Westcott Debt Collection

    The original agreement will give them ''permission'' to share
    data in the Ts &Cs which you signed .


  12. #12
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    Default Wescot Credit Recovery

    Good Evening All...

    First of all let me give you the full run-down of my case and please do not judge me on this.

    In December 1996 i took out a loan as a very desperate new father with a young family with Lombard Bank which was 6000
    with 16.9APR which came to around 11000 with interest.

    A year later my marriageicon broke down and what with paying my child matenance i barely had the funds to live on.

    I turned to Gregory Pennington who sounded great that took all the hassle off your back and you paid them a 25 per month fee
    until i found out that they did not have your best interests at heart so pulled out of the scheme in 2010.

    The is debt is the last one i have to pay off and there is 1727.71 outstanding. Lombard passed the debt to there sister company RBSicon
    who passed it to Arden Credit Management who passed it to Arrow Global or passed it to Westcott who are the latest persuers of this debt.

    I have not paid a penny for approx 2 years. I asked RBS for them to to take the PPIicon off and they did immediately.

    I offered 600 in Full and finalicon settlement to Arden which was refused.

    Surely they would have had me through the courts by know????

    Any clues how to handle Wescot Please......


  13. #13
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    Default Re: Wescot Credit Recovery

    Sorry Forgot to say, this loan was done entirely over the phone with Lombard and no checks were done with my employer, the cheque was delivered by Courier the next day.

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  14. #14
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    Default Wescot now Rockwell for arrows chasing old lombard loan paid through greg pens till 2020

    Hi All

    Just need a bit of advice not too complicated,

    I received a lettericon from Wescott saying that there client (Arrow Global) had instructed them to withdraw the account and would not pursue the debt

    now I received a lettericon from Rockwell who are now pursuing the debt on behalf of Global
    and this debt does not and has never appeared on my credit file which is squeaky clean !

    any advice would be a great help.

    thanks everyone!


  15. #15
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    Default Re: Rockwell Debt Collectors

    Ignore them.
    Wait for something much more substantial to come via the post not some fairytale begging letter.

    What is the debt, how much, how old?


    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!
    HOW DO I START A NEW THREAD?



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  16. #16
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    Default Re: Rockwell Debt Collectors

    Hi Bazooka

    Thank you for you swift reply, the debt dates back to 1997 sadly it isn't statute barredicon as I stopped paying Gregory Pennington in 2010 as I couldn't keep paying as icouldnt afford it they were useless anyway however this debt has never been on my credit file


  17. #17
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    Default Re: Rockwell Debt Collectors

    OK, what is the debt?
    How much?
    Who is the original creditor?

    It won't be on your credit file now as defaults only have a life span of six years regardless of the state of it, ie paid or not.

    There won't be any chance of them adding this to it now.


    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!
    HOW DO I START A NEW THREAD?



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  18. #18
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    Default Re: Rockwell Debt Collectors

    Hi Bazooka Boo


    Loan was from Lombard
    No Credit Check Done all processed over the phone
    Debt 7000
    outstanding debt was 1700
    RBSicon Then followed Lombard as I think they bought them the arrow global bought the debt.
    They have been trying for 2 years now without anything more than threatening letters.


  19. #19
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    Default Re: Rockwell Debt Collectors

    OK, will ask to get you moved to the relevant forum by the site team to get more interest and advice in your post.

    So, the original debt was a Loan for 1700 off Lombard? Taken out in 1997.......last payment 2010.

    This payment was made via a fee charging dmpicon called Gregory Pennington, are their charges still 25??
    You might like to read this link regarding GP and reclaiming their PPIicon....http://forums.moneysavingexpert.com/....php?t=3810455

    The debt is now 7K, RBSicon took over Lombard who have sold it? or given it? to Arrow Global to chase.

    I do believe your being what is called, 'Cash cowed' here, basically, the murky world of debt collectionicon has been fleecing money off you for years, and as such have marked your file as 'mug awaits fleecing' and are passing it around each other so they can all have their pound of flesh from you.

    Have you corresponded at all with AG?
    What does their latest missive say?


    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!
    HOW DO I START A NEW THREAD?



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    Default Re: Rockwell Debt Collectors

    Thread moved to debt collectionicon forum.

    Thanks BB

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