Arrows & HSBC credit Card 'debt'

[DonkeyB]

Well, they’re stuffed. You can, effectively, stop paying, with impunity.

 

They cannot, by their own admission, take you to court. It is, at present, unenforceable.

 

Yes, they can record a default, but they can ONLY continue to enforce the original default issued by the bank. They cannot issue a new one. The default will drop off your credit record 6 years after it was issued. You may want to check they are complying with this via your credit record.

 

They are also being economic with the truth about the assignment. Phoenix is a Luxembourg-based special vehicle of CarVal Investors, and Rockwell is merely a DCA collecting on its behalf. Phoenix should be the data controller in this instance (or its division, Tessera – there is a sub-division of Phoenix called Tessera, as well as a part of Rockwell called Tessera. I believe this is designed to deliberately confuse people).

 

So, once again, a DCA has lost its client money by being greedy when a payment agreement (albeit small) was in place. Knobs.

[DonkeyB]

Oh, and as they have not complied with your CCA request, make sure you get your £1 back.

[DonkeyB]

They can quote McGuffick all they want – they can recreate an agreement, but not for enforcement. As they have admitted.

[DonkeyB]

Interesting – looks like they have sold your account to Arrow. They should not have done this with an account in dispute. Did you receive a notice of assignment?

 

Simply write to them pointing out that, until they comply with your valid CCA request (as sent to the previous idiots), the account remains in dispute, and any further threats of action against me will be viewed as harassment and reported to the police as such, and to the OFT.

[DonkeyB]

You don’t need to send another CCA request – you have already done it. It’s their problem they have bought a lemon.