Arrows & HSBC credit Card 'debt'

[PGH7447]

just sit back and wait for the next letter or another pondlife to surface, at which point you send the bemused letter from the templates section, good luck

[Lapchien66]

What a tidy little thread this! DCA effectively hoodwinking it's 'client' surfhair, then getting greedy and demanding more. Surfhair can't afford more, finds this site and kicks them into touch. Beautiful , just beautiful. Surfhair, don't forget to ask for you £1 back.

[surfhair]

HI Guys

Since my last post Rockwell have attempted to phoned me around 25 times, I made sure I did not speak to them on any of these occasions well today I received the following letter:

Notice of recovery Action

Fenton Cooper is a specialist debt collection agency. We have been instructed by our client to collect recover this outstanding balance on their behalf.

Read this notice carefully and follow the instructions and reply immediately.

Failure to take the above action immediately may resulting the following actions:

1 A DEBT COLLECTOR MAY CALL AT YOUR HOME

2 A COURT JUDGEMENT / DECREE MAY BE REQUESTED

You should be aware that any court costs awarded will be added to your debt

Your faithfully

Fenton Cooper

By the way it is important to note that this company just happens to have the exact same address as Rockwell, my question is what should I do next I live with my parents so I assume they would not be allowed to call upon their house, does anyone have any advice on how I should proceed.

Thanking you in advance

[spamheed]

HI Guys

 

Since my last post Rockwell have attempted to phoned me around 25 times, I made sure I did not speak to them on any of these occasions well today I received the following letter:

 

Notice of recovery Action

 

Fenton Cooper is a specialist debt collection agency. We have been instructed by our client to collect recover this outstanding balance on their behalf.

 

Read this notice carefully and follow the instructions and reply immediately.

 

Failure to take the above action immediately may resulting the following actions:

 

1 A DEBT COLLECTOR MAY CALL AT YOUR HOME

2 A COURT JUDGEMENT / DECREE MAY BE REQUESTED

 

You should be aware that any court costs awarded will be added to your debt

 

Your faithfully

 

Fenton Cooper

 

By the way it is important to note that this company just happens to have the exact same address as Rockwell, my question is what should I do next I live with my parents so I assume they would not be allowed to call upon their house, does anyone have any advice on how I should proceed.

 

Thanking you in advance

 

They are Rockwell with a funny hat on :o)

 

Please note the careful use of words such as May in their letter,

ie.

They may send someone around who has no more authority than the ice cream man,

 

or

 

They may take this debt that they have already conceded cannot be enforced in court, to .....erm court, where they wont be able to enforce it.

 

You can either

ignore them

Tell them to go forth

send them a letter pointing out that the account is subject to a dispute (s77/78 Request) and until that dispute has been resolved they are getting nothing

[surfhair]

Thanks Mate, puts my mind at ease somewhat, i'm wondering what new name they will use next. Its worrying having them phone all the time but from what you say this sounds like they are just trying to use another scare tactic on me thank god for this excellent site.

[spamheed]

If you are confident enough to deal with them, answer their calls and simply refuse to go through any security questions, they will (by law) be compelled to terminate the call. otherwise, listen to their opening spiel and simply tell them to put it in writing and then hang up, it really is up to you.

 

They want to get you into a protracted telephone conversation so that they can use their "tactics" lol and get you to make a payment of some kind, avoid this unless you are entirely comfortable with dealing with rude and aggressive people

 

Being something of a part time urologist, I like to take the pee, so ask them your own security questions, confirm their name, dob, address and shoe size, great grandmothers maiden name, you get the gist have a laugh at them because once you realise that they read from scripts and really are pathetic, they aren't scary at all

[surfhair]

Cheers i'll make sure to post any further developments.

[jimbo45]

Hi there

It is NOT UP TO ANY DCA to say how much you have to pay (or not pay) as the case may be.

 

ONLY A COURT can decide.

If you ALREADY have an agreement to pay 1 GBP a month then that's IT --if they don't like it --- tough ladies accroutrements.

 

Its up to THEM to go to court and demand more which in your case they certainly won't get.

 

Remember in any DEBT situation no matter how hopeless it seems ALWAYS TAKE CONTROL rather than letting someone else decide.

 

The whole DCA is a STINKING ROTTEN BUSINESS which really deserves to be ended at once.

 

Banks etc lend money often to people they shouldn't have done and then when the borrower gets into difficulties --often through no fault of their own --jobs moved offshore, death, illness, family breakup etc etc. they charge HORRENDOUS FEES and offer no help whatsoever to people who would be prepared to pay something.

 

To re-iterate--YOU say how much yo can pay --NOT THEM.

 

If they don't like it it's up to THEM to go to court which they won't do if you are already paying something.

 

Cheers

jimbo

[surfhair]

Thanks Jimbo,

I was unaware that they had to go to court in order to change the payment amount, this now makes me realise why they told me the offer of a £1 was no longer acceptable as they were clearly trying to attempt to goad me in making some new offer due to the demand of full payment my only regret is that I didn't know about this website when they first contacted me as I would have cca'd them straight away.

[spamheed]

Thanks Jimbo,

I was unaware that they had to go to court in order to change the payment amount, this now makes me realise why they told me the offer of a £1 was no longer acceptable as they were clearly trying to attempt to goad me in making some new offer due to the demand of full payment my only regret is that I didn't know about this website when they first contacted me as I would have cca'd them straight away.

 

They can "demand" higher payments at any time, however the only way they can "make" you pay more is via the courts, this whole business is based on negotiation and threats, it doesn't matter how much you offered to pay, within a very short time they would be back "demanding" more. since the agreement has already been breaced only you are in a position to decide what you can afford to pay and without a court order they cannot force you to pay more

[surfhair]

Hi Guys,

i really hope you can help me.

 

As you can see from the previous posts i had an issue with Rockwell and after a period of silence from them

(after following the advice given by this forum) i finally recieved a letter saying requesting payment from Arrow global. I ingorned that letter and recieved a letter from someone called Wescot credit services LTD two weeks ago( i ingorned t

 

hat letter). However, today i recieved another letter from them stating I have 7 days to pay or a door step collector will visit my home.

 

As i live with my parents i am really worried about this.

 

Can they do this and what should i do as i have no money to pay.

[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.

[surfhair]

thank you DonkeyB.

 

Yes i recieved a notice of assignment in Dec 2011 so quite a while back.

 

I was unsure of how they were able to sell a account that was in dispute.

 

I will send Wescot the same letter I sent to rockwell.

 

god bless you for your help.

[renegadeimp]

http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

have a read. basically if they come calling, tell them inw hatever language you like, to leave immediately, or they will be removed by force. If they still wont go, record them usign a camera phone and call the local police as some unknown person is calling at your home demanding money with menaces.

[surfhair]

Thank you Renegadeimp I shall do. Certainty caused me a lot of stress the thought of them calling here.

Do you think it would be ok if sent them a copy of that letter together with the request for a CCA

[renegadeimp]

Thats what they rely on. remember, they have no rights at all. Just make sure you get that letter sent to the new owner asap, so if they try anything you can prove it has been in dispute for years. Send the letters by recorded delivery so they cant say they didnt receive them

[surfhair]

thank you shall send them recorded del in the morning. I really appreciate the help i might actually sleep tonight now.

[renegadeimp]

Theres nothing to be worried about. Even if they were stupid enough to even consider legal action, it's easily defended.

 

One thing to remember. If rockwell have ever been near the debt, you can be sure it is 99.99% unenforceable. They only deal in lemon debts that nobody else will touch.

[surfhair]

Thanks

[DonkeyB]

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

[dx100uk]

is this debt showing on your CRA file?

 

see below

 

dx

[surfhair]

Hi i signed up with noodle and the information was not showing in my financial account information. This section did show all the other cards that i have.

[dx100uk]

do all your old addresses show?

 

dx

[AndyOrch]

Topic open

[surfhair]

Hi friends,

I had a debt of 4,000 pounds some 15 years ago with the HSBC

after years of paying massive amounts of interest on the credit card i defaulted and agreed to pay £1 per month.

This debt was then sold to various companies who harassed me rockwell, Arrow and Fenton Cooper to name a couple.

With help from this forum i CCA'd them and they were unable to produce any cca

they also acknowledged they could not enforce any credit agreement through the courts and as of 2010 i didn't pay another penny. 

A few days ago after 10 years of silence i received a letter from Arrow informing me of the debt.

Can i ask anyone's advice as to were i stand with this?

over 10 years have passed and i really thought i'd heard the last of it.

Many thanks for your help.