Arrow now got merged Midland bank debt from 1997!!

[citizenB]

Do you know if there was any payment protection insurance on the flexiloan

Do you know if there were any charges applied to the account ?

[wilbyhilby]

Sorry I have not replied to these posts but I didn't realise there were any fresh ones and I was waiting for the next salvo from Rockwell which arrived on Saturday.

(two and a half weeks after the last one which threatened "immediate action" if not replied to within ten days).

 

citizenB, I don't think there was any protection plan on the loan and I have no idea about any charges, all I have is a final bank statement that closes the Flexiloan account and just says "transferred". which when I added the amount of that onto the other account (overdraft), it came to the total amount of the original debt.

 

I am seriously thinking of following your advice on the letter, but I will have to think hard as I am not very good at that sort of thing.

 

This is the latest letter I received from Rockwell,

 

"Following our previous correspondence we have been trying to contact you to resolve the matter of your outstanding debt.

 

We have been asked to consider your individual circumstances and to find the best possible way forward for both you and our client.

 

So long as we are managing your case for Arrow Global Limited we can guarantee you that, in respect ofthis particular debt:

 

No debt collectors will visit your home

You will not be subject to any legal action, or incur legal fees or costs

No interest will be applied to your outstanding balance

 

However, to continue managing your case, we must show our client that we are in contact with you and that we are working together to find a resolution

 

If our client takes your case back from us, they may then consider the options available to them to recover the amount owed; these options may include those detailed above.

 

Time is of the essence, so to avoid such action please call us right away. lf you would prefer us to call you then please email or write to us with your phone number, making sure you include your reference number as stated at the top of this letter.

 

Yours sincerely,

Collections Manager

ROCKWELL DEBT COLLECTION AGENCY ."

 

Calls may be monitored or recorded

 

ROCKWELL DEBT COLLECTION AGENCY is a trading name of Tessera Credit Group LLP

Registered Address 5th Floor Maitland House, Warrior Square, Southend-on~Sea, Essex, SS1 2JS Q

Registered in England

Authorised and regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (amended 2006)

 

I must admit it is a lot milder than I expected and now I wonder if I should again wait and see what happens as it looks like if they don't get a reply they will hand it back to Arrow and then if I get a threat from Arrow I could then send a prove it letter, which I suspect from what I have been advised here will cause them some problems. As I said before, I had never heard of Arrow before the first letter arrived some weeks ago.

[dx100uk]

std begging letter

 

let it run

 

dx

[fletch70]

I think that you need to get that letter off to HSBC and personally I would copy in Rockwell and AG. If you need help drafting the actual letter I am sure it will be forthcoming but CitB has pretty much done it for you , all you need is to add the dates in and tidy up the ending .

 

As for the letter from Rockwells, lovely isn't it with that not so thinly veiled threat (we are very nice but if it has to go back to those nasty people at AG who knows what awful things might happen) . Remember this is how these people work, lie, twist, abuse, cause worry and of course lie.

[wilbyhilby]

I have just received this Rockwell letter today after the last one saying they might hand it back to Arrow Global

 

We have been trying to contact you to discuss the matter of your outstanding account with Arrow Global Limited.

 

As we have previously advised we want to work with you to find a resolution that is both fair and affordable for you.

lf we have not spoken to you, your account may be passed to our specialist recovery agents, Fenton Cooper.

 

We understand you may be experiencing financial difficulties and we would encourage you to contact us so we can

discuss the options available to you. Please call us on 01903327004 or write to us at the address above. We can call

you back at a time that is convenient to you. Please ensure you quote your reference number in all

correspondence.

 

One of the options that may be available is a discounted settlement. We may be able to negotiate with Arrow Global

Limited on your behalf to reduce the balance owed. If you are in a position to make a settlement payment your

credit file will be updated to reflect it has been partially satisfied and you will no longer be pursued for the

remaining balance.

 

We know you may not be in a position to repay a discounted balance, however if your circumstances change in the

future and you would like to discuss settlement options, please callus on the number above. If you would prefer to

discuss payment solutions or simply speak to someone about your account we are here to help.

 

Our aim is to help you clear your balance in a way that is affordable and works for you. We do not encourage further

borrowing at high interest rates, such as Payday loans or credit cards to repay your balance. Furthermore we

would not want you to be in a position where the repayment of this account leaves you unable to pay your priority

debts or bills.

 

Yours sincerely,

Karen Faulkner

Collections Manager

ROCKWELL D BT COLLECTION AGENCY

Calls may be monitored or recorded y

ROCKWELL DEBT COLLECTION AGENCY is a trading name of Tessera Credit Group LLP

Registered Address 5th Floor Mailland House, Warrior Square, Southend-on-Sea, Essex, SS1 2JS

Registered in England No.OC376978 cs

Authorised and regulated by the Financial Conduct Authority for accounts formed under the Consumer

Credit Act 1974 (amended 2006) i J‘ g

 

 

They now threaten me with their "specialist recovery agents" Fenton Cooper.

 

My question is this: Do I again ignore it and wait to see if I get contacted by Fenton Cooper and if so, send them a prove it letter, or do I now send a prove it letter to Rockwell.

 

Any input would be gratefully received, it doesn't look as though they are going to go away even though I haven't so far acknowledged any of their communications!

[wilbyhilby]

I've just noticed that these Rockwell letters seem to be coming at regular monthly intervals?

[dx100uk]

pers i'd ignore them now

 

dx

[dpick]

Standard garbage from Rockwell if you do not reply with a payment then you have not contacted them (letters and call from you with no money are ignored) then the computer spits out the next letter in the series. If you are with them long enough you will start to get the original letter from them again.

 

 

dpick

[wilbyhilby]

A quick update, I may be tempting fate here but after the letter from Fenton Cooper on 9th July, which I again ignored, there has been nothing else so far. (Now two months).

 

So, fingers crossed, they might have decided to give up.

[wilbyhilby]

Just got a new letter today from a company called "Capquest"

(referring to the Arrow Global account that Moorcroft stiill occasionally send a letter about)

 

assuring me that if I get in touch they are very caring and considerate and experts in their field, and would very much like to help me come to a satisfactory payment plan.

 

So now I've had Moorcroft, Rockwell, now these, all after the same account which is supposedly an Arrow Global a/c who I have never had an account with.

 

It must date back to the original Midland account that I started this thread with, but as I said I have no Idea how Arrow became involved some 12 or more years after the Midland a/c was closed.

 

Just wondered if anyone knew of this new lot Capquest.

[dx100uk]

Prob just inherited the lemon debt on a bought phishing list

 

Ignore

 

Dx

[Bazooka Boo]

Definitely ignore, it's coming up to christmas and they want some free money for their mince pies.

[wilbyhilby]

Great, I'll do just that, ignore! Thanks.