Rbs-nautilus C/card

[icepop55]

Hi to all on this SITE?

 

Can someone on this this site HELP.

 

RBS Nautilus(ShellVisaCard) has assigned the outstanding balance to a DCA named 'Arrow Globel Ltd' who has past it on to a appoined DCA calling themself 'Transcom UK' trading as;

 

Credit&Business Services Ltd-St Albans.

 

I am wanting to find out who there are and if anybody has had dealings with any of the above companies

 

Please response to any of my requests.

[icepop55]

Please do someone know how I response to RBS?

[maroondevo52]

Hi, icepop55.

 

In the last few months, i've been getting phone calls and letters from

Transcom UK. They always leave messages on my answering machine. I'm still not sure what they are phoning about. I know it must be an old debt,but can't remember what or from who. I'll have to give them a call. I'll get back to you if I find out any more.

 

Regards.

 

Scott.

 

[icepop55]

Hi Scott

 

Thanks for you reply.

I await what you find.

[rory32]

I'll have to give them a call.

Phoning DCA's is usually a complete waste of time. The only thing they are interested in is payment.

 

I have had quite a few dealings with Arrow. They're not the worst DCA but they're not the best either.

 

Icepop can you give some more details regarding the account? When was it taken out? Have you been making reduced payments? Are you still making payments? Have you asked for a statement of account? Have you asked for a copy of the credit agreement? Are there are a lot of charges on the account? If so roughly how much do you think they will come too?

[icepop55]

Hi rory

 

Glad for you to intervene on this account. My appreciation.

I'll address your questions as asked.

 

Account open approx Feb/Mar 2000.

 

Making reduced payments since Sept 2006 through DMP by CCCA.

 

Yes. I've only now been contacted by 'Arrow'.

 

No! I last recieved a statement from RBS 'Nautilus' Nov 2006 £6738.28

Last statement payment on DMP with 'CCCA' Started at £6334.06 now £6280.60

Arrow statement now August 2007 £6696.70

 

I am waiting to CCA both RBS & Arrow unless I hear to the contrary.

 

The charges are £96.00 and will in time be asking for them to be repayed.

[rory32]

Okay there is no point in reclaiming any of the charges until you know whether they have a copy of the credit agreement or not. Send off the CCA request by recorded delivery, enclose a £1 crossed postal order and do not sign the letter. You only need to send the CCA request to Arrow, they have a legal obligation to pass your request onto RBS. By sending it to Arrow you also keep them in the loop and they should (but might not) leave you alone until a copy of the agreement is produced.

 

In case you don't know the CCA template letter is here http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html template N.

[icepop55]

Thanks rory

 

Will send to 'Arrow' a CCA today.

[icepop55]

Hi All

 

To date I have NOT heard nor recieved anything from both 'RBS-Nautilus' or 'Arrow'.

Sent RBS-Nautilus last week a reminder.

[icepop55]

Hi all

Long time no hear.

I do need somebodies input on this PLEASE>>>>

Just received a letter from RBS informing me that my account is no longer with them as it has been sold to ARROW. I know that?

I contacted RBS because I wanted them to refund back charges. In effect their say it has nothing to do with now and therefore contact ARROW so there.According to RBS there have no legal right to respond to the issues I have raised?

I have CCA them a long time back and still not had a answer.

Where do I stand ???? and what do I do next.

[rory32]

You don't need to do anything. The account can not be enforced unless they come up with a copy of the credit agreement which would now seem unlikely.

[icepop55]

Thanks Rory

 

So therefore can I still reclaim my charges from RBS or not. And as I paying througt the CCCA on they DMP,do I now suspend all payments to ARROW?

[rory32]

I would suspend the payments. Please be aware though that CCCS will not like you withholding payments to Arrow. The charges I would not be overly bothered about at the moment as they are only a small amount and the account can't be enforced anyway. Was it a SAR the you sent RBS?

[icepop55]

No S.A.R. was asked for because I already had the information in hand.

[icepop55]

Hi to all,

 

It seems ages since anything has happen but,I did receives a letter from COPE'S SOLICITORS on the 20/02/08 informing their intent of court proceedings? on behalf of 'ArrowGlobal'.

 

Do tell them to ............ because they still not complied to the 22/08/2007 letter requesting credit agreement.

 

Please advise????

[locutus]

I'd suggest writing to DCA saying that you've paid your £1 requesting the CCA and they have neglected to send you a copy of an original signed credit agreement. If they peruse this in the courts you will defend this, and as the timeframe for them sending the CCA is passed you regard this debt as non-existent, and you expect the courts to agree. See if that rattles their cage a bit. As far as you reclaiming charges, proceed business as usual

[icepop55]

Thanks locutus

Have written to the solicitors in question informing them of serious breach regarding 'CCA'.

I await response before tackling 'Arrow'.