Arrow/Shoosmiths - 14 Day warning of Court Proceedings - HSBC Card debt

[airtomoreira]

I'll try to keep it brief but succinct:

 

I've received various bog standard letters from Shoosmiths on behalf of Arrow Global, about a HSBC Credit Card debt they bought from the Bank in 2014.

 

 

I have taken no action with regard to these.

Shoosmiths have however today tried to up the ante by threatening Court Action unless they have my proposals for repayment within 14 days.

 

Is it appropriate, at this stage, to send a CCA Request letter

(and am I correct in sending it to Arrow Global, who are the owners of the debt, and not HSBC, the original creditor?

The letter from HSBC that I have, dated July 2014,

states that "Arrow Global is now the owner of the account").

 

 

Should I also request that Arrow Global advise Shoosmiths not to take any further action until / unless my CCA Request has been complied with?

 

 

Should I further write to Shoosmiths, advising them of the request that I have made of Arrow Global?

 

This debt was previously (2012) being handled by CapQuest, on behalf of HSBC.

I sent a CCA Request at that time.

CapQuest acknowledged that they were unable to provide copies of the relevant documents.

 

 

Should I advise Arrow Global / Shoosmiths of this fact, or is it better to keep my powder dry at this stage?

 

If the above course of action is not the correct one for me to take,

I'd be most grateful if you could point me in the right direction!

 

Many thanks

 

Airtomoreira

[theoldrouge]

when was the account first started

when was your last payment to anyone regarding this ac

[airtomoreira]

Oldrogue - in answer to your questions, account opened probably 12 - 15 years ago, can't be any more certain than that. When was the last payment...again, I can't be sure. There's a possibility that the debt could be statute barred, but I'm looking at it from the point of view that it's not. If the way ahead is not as in my original post, then it's something I'd look at further.

[AndyOrch]

Thread moved to the appropriate forum.

 

Regards

 

Andy

[theoldrouge]

just send a cca request to shoosmiths, if you think they are serious

 

did they actually say we will issue in 14 days

 

or just an if or maybe type letter

[airtomoreira]

It's a "we will issue Court Proceedings". Had it been "may", I would have ignored it

 

Send the CCA letter to Shoosmiths? I thought it should go to the owner of the debt, Arrow Global?

[theoldrouge]

no sorry, cca request to Arrows as you said

[dx100uk]

this same debt I assume see post 42

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?167422-Help-needed-re-Letters-from-Eversheds

[airtomoreira]

No, not the same debt at all.......the link to which you refer is about a Halifax / HBOS account. I don't see the relevance of mentioning it here?

[dx100uk]

silly me I was on a small screen same starting letter for the creditor mind:lol:

[airtomoreira]

dx100uk - I'm puzzled as to why you would take the time to look back seven years at a previous thread of mine, but not take the time to post an answer to the questions that I posed at the beginning of this one, yesterday?

[dx100uk]

I'm an info gatherer

I make sure that there is not previous threads with more info

that way those in the know can give a better answer with a wide picture.

 

the issue of the CCA has been answered

and TBH..makes little odds to if/if not they do issue a claim.

 

it wont stop them

.

rectums do what they want when they want regardless to if a debt is enforceable or not.

all they and any DCA is after is a rubberstamped undefended default judgement.

 

 

when did yo last pay this debt?

 

there are loads of threads here about them that you might have read

or should.

 

 

dx

[airtomoreira]

Thank you for that. I have read through lots of similar threads, however I'm sure that I'm not alone in wanting some reassurance about my own individual circumstances. I appreciate that this is no doubt very frustrating for those "in the know".

 

Your comments about the actions of DCAs are most useful. If they are, as you say, looking for rubberstamped, undefended judgements, then surely the fact that I am sending a CCA letter to them will alert to them to the fact that, if they do decide to proceed, I am very likely to challenge their claim if they are unable to comply with my request, and they would be foolish to take it any further?

[dx100uk]

my pers view is don't send anything

if you've never responded to date to any of them

 

 

when did you last pay/use this card?

 

 

what info is on your credit file..default date etc?

[theoldrouge]

May make them think twice, however defending a claim is a relatively straightforward process providing you adhere to all the court deadlines

nothing to be too worried about

If they were to issue, but cannot provide the agreement they more often than not discontinue at the disclosure stage

[airtomoreira]

dx100uk - Thank you for your personal view, however, from the above, I take it that you are not one of those who are "in the know"? As such, your opinion does confuse me, as it seems from other similar threads that it is never too soon to send a CCA request letter!

 

There is nothing at all on my credit file about this account.

 

As mentioned above, I cannot be sure if there have been any transactions on the account in the last 6 years or so. The statute barred route is one that I may explore, but as I'm not sure if it would work or not, I'd prefer for now to go down what appears to be the tried and tested "show me the proof" road.

[airtomoreira]

oldrogue - thanks for that. Seems that, from what you are saying, I either CCA them now, or if they issue a claim. May as well do it now and save the hassle of defending a claim.

[dx100uk]

why not ring cap1 and ask!

 

 

if the debt is SB'd

then don't do anything

 

 

SB defence will kill any claim dead.

 

 

they are then as I thought, on a phishing trip.

[airtomoreira]

dx100uk - Cap1? The original debt was with HSBC, but was sold to Arrow Global in 2014. Which one would I ring? HSBC would no doubt say "nothing to do with us any more, guv", and Arrow would no doubt say "no idea, we only took it over in 2014, we don't have those records"?

[dx100uk]

sorry yes hsbc.

 

no harm in asking

 

I would suspect that as this is not on your credit file

so is more than 6yrs defaulted and has been removed under the ico rules

good chance it is sb'd

 

that's why I went looking

its all very well sending silly letters

as happened on that thread I wrongly mentioned

 

that s prob why they tried the SD route before

the unnecessary letter tennis

they could see there might be a chance

 

don't fire your arrows till you need to

 

gather the required info first

THEN decide.

 

dx