Jump to content

 

BankFodder BankFodder


thetroublemaker

Arrow Global CCA reply and change of agency letters.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 730 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi there all.

 

I have a question regarding my account.

 

I had a Virgin Money Account which I was paying off interest only for, for a significant time and one i had PPI on.

 

I was paying minimum payment for some time which meant interest and charges only on it.

 

My business failed earlier this year and I am only now coming out the other side with a salary again.

 

The account has been sold to IDEM and noodle gives the following information.

 

Idem Capital Securities

£ 4,471

22/09/2014 Default

Name nnnnn

Address nnnnnnn

Date of birth nnnnnnn

Account type Credit Card

Account number ******6888 0

Account start date 09/05/2008

Opening balance £ 4,471

Regular payment £ £ 1

Repayment frequency Monthly

Date of default 28/02/2014

Default balance £ 4,471

 

I am now being contacted by Westcot about it daily and in letters.

 

I would like some advice please.

 

1 - It seems I can still approach Virgin/MBNA about PPI and charges on this card as I believe i have a claim that may be valid.

Do I contact westcot and advise them that I will be contacting them or not?

 

2 - What should be my next plan?

I have no issue paying this debt off but i see all this stuff about CCA requests and SAR requests etc a

nd I am not sure what I should do, I

 

 

can ring them up and offer £200 a month not an issue.

 

3 - Do they have any legal right for me to disclose my financial details to them as in income and outgoings

- i can see from other threads that IDEM seem to think that they are in their rights to ask lots however I don't know what westcot will want from me.

 

Thanks in advance!

Share this post


Link to post
Share on other sites

the PPI reclaim would be against MBNA yes

 

if you don't have all the statements

then send MBNA an SAR.

 

as for wetcloths

 

send them a CCA request.

 

so you took this out in 2008?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hi there,

 

Thankyou for the reply.

 

I will be completely honest with you I do not remember if I took it out in 2008 or otherwise - it may have been earlier although 2008 is quite conceivable as a start date.

 

If i can confirm, i send MBNA/Virgin a SAR and I should get back a complete statement/set of statements/info from them.

 

I can then ask Westcot for the copy of the CCA they (should) have on file from me by writing to their registered office address.

 

I have already spoken to them on the phone

 

should i now stop doing that and simply communicate by letter with them?

 

Should i call them and advise of the situation that I am querying this with MBNA now and will be in touch?

 

Should i write to them regards this?

Share this post


Link to post
Share on other sites

stay off the phone writing only.

 

send them a CCA request.

 

if the credit report says 05/08 then they are usually correct.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

thankyou

 

I will get the postal orders made up this afternoon and posted.

Share this post


Link to post
Share on other sites

I sent a CCA request to Arrow regards an account on the 4th November.

 

On the 8th November I received a change of agency letter, which i have attached stating all enquiries are to be directed to Moorcroft.

 

Then yesterday I received a letter which seems to be a standard CCA response from arrow, including the phrase "we do not accept we are the creditor" which seems a bit odd as I am assuming they have bought the debt.

 

What is also of note is that in their reply the date of my incoming letter is wrong - it was dated the 4th not the 10th as they state. AND they sent me someone elses letter as well by mistake with the same dates on it - pertaining to a overdraft. Surely this is against data protection rules? Also what should i do about this letter. I can do one of 3 things i think

 

1 - nothing

2 - post the letter on with a covering note explaining it was sent to me in error

3 contact arrow from a withheld number and only give them details of the letter they sent wrongly not mine so they can resend it.

 

Either way at the moment the letter says that all collection activity will be suspended pending provision of the documents. Should I do anything else (i.e. send a SAR to MBNA) or should I wait and see if/until I get the CCA back first. The cynical me says to do the latter as if they havent got that I wouldnt want to rush to provide a signature......

 

Thanks in advance.

 

I am trying to post the letters but i dont have 10 posts. Will come and add reply after I have 10 with Photos on.

Share this post


Link to post
Share on other sites

Hi TTM

 

Arrow are the purchaser and they farmed it out to Moorcroft to try and collect...(Although it stays under Arrow)


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Share this post


Link to post
Share on other sites

wait for if/when they ever fulfil the CCA response. SAR the OC if you have concerns about the debt or need to reclaim


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

please don't

 

1 spam the forum to get to 10 posts

 

2.you don't need 10 posts

use upload to PDF

 

I've taken down your pix and redacted your name from both pictures for you

and reposted them on post 1 as a PDF.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I've merged an old thread about this debt here too for you

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

that's letter you got is the std arrows reply to a CCA request.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
that's letter you got is the std arrows reply to a CCA request.

 

And should be reported as it is misleading


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

I got the following letter today as a response from my CCA request of 6 months ago.

 

I assume this means that moorcroft will continue to pursue this debt although there is no paperwork available.

 

Is there anything I should do?

 

Should I write to them officially disputing this now or just ignore them or? ????

cca response.pdf

Edited by thetroublemaker

Share this post


Link to post
Share on other sites

Ignore

But not a letter of/before claim

 

Dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hi, thanks for the reply.

 

As that letter is saying they dont have the paperwork for my CCA request,

I assume now there is no way they can enforce this without producing the documents requested therefore just wait for SBD to roll around?

Share this post


Link to post
Share on other sites

No compliant response means you can safely ignore and not pay. They cannot legally enforce the debt through court, although they can keep an accurate record on your credit file and ask you to pay.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...