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Luul82

H&M credit account now with Arvato Financial Solutions

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Hello,

 

I signed up for a noddle credit report,

I have one default maker on my report.

 

I had an H&M credit account which I stupidly defaulted on,

the amount is £120.00 and the default date is 11/04/2013;

it’s been sold to Arvato Financial Solutions.

 

I do want to pay the debt off in full but I really don’t want to pay it to Arvato Financial Solutions.

 

I was going to write or email H&M and ask them to buy the debt back off Arvato Financial Solutions, so I can pay them (H&M) directly.

 

I will also inform H&M that full payment will be made on the condition, that H&M promise in writing to remove the default marker off my credit report.

 

I just wanted to ask, if this is a correct way to resolve this debt.

If not I would be extremely grateful for any advice.

 

Many thanks

 

Ps: I know this forum is fantastic and has helped thousands of people, so I made a tiny donation to show my appreciation.

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Arvato dont own the debt... :) They wont do anything. :)

 

So ignore them. As for H&M you can try and send a F+F on the condition they remove the default

If not then they dont get paid :)


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi Fkofilee,

 

Thank you for your response. I appreciate it

 

What is a F+F?

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Oh thank you ��.

 

I will email H&M today. I will post the draft email here, I would appreciate it if you could please read it and tell me whether it’s appropriate.

 

Many thanks

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Hi Fkofilee,

 

Here is the draft copy of my email, to H&M

 

Dear Sir/Madam,

 

I am emailing you in regards to a debt I incurred, with a monthly payment H&M account which was open in 2011;

the account went in to default in April 2013.

 

The outstanding debt is £120.00.

I am only prepared to make the full and final payment of the outstanding amount, on the condition that H&M removes the default marker off my credit report; I want this condition to be verified by written communication.

 

I would be grateful if you would please, forward my email to the relevant department or person.

I expect a written response from you, within the next 14 working days.

 

Yours sincerely

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Whoa!!

 

You're only 12 months away from it being removed from your file anyway, and that letter will reset the clock, giving them another six years to harass you.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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