Westcot / Rockwell/ Arrow Global help plse

[JammyDodger41]

Re: Westcot / Rockwell/ Arrow Global help plse

Back again. I have heard nothing from anyone and consequetly paid nothing on this debt since July 2012. Arrow, Westoctt adn Rockwell have all gone qiuet. Should I do the same ? Sit tight and wait for them to get in touch with me ? I am slightly nervous about doing this, but I wouldnt know who to pay anyway !

Does anyone have any thoughts on my next move please ?

[JammyDodger41]

Re: Westcot / Rockwell/ Arrow Global help plse

Thankyou !!I have already done as Labman suggested in my letter to them back in June and yesterdays letter from them was in repsonse to this. I didnt wnt to enter into too much communication with Rockwell until the Westcot situation was resolved, but maybe then I should ask Rockwell for a copy of the original agreement as you suggest. I havent ever actually asked Westcot for that, I just started paying them as MBNA told me it had been passed to them. I am still quite new to all this as you may have guesed so still learning the ropes and correct way to handle things ! Thankyou for your help .

Re: Westcot / Rockwell/ Arrow Global help plse

No - do as Labman suggested.

It might also be fun and/or profitable to request a copy of the original agreement, per section 78 of the Consumer Credit Act 1974 - link. As the original creditor was the Morons Bank of North America, the chances are that they cannot or will not comply.

[JammyDodger41]

Re: Westcot / Rockwell/ Arrow Global help plse

Errrm Ok Clever CLogs, Thankyou !! So do I assume I am writing a plain and simple Foxtrot Oscar letter ? I was thinking there maybe should have been some form of legal type jargon I should include ?:tinysmile_hmm_t2:

Re: Westcot / Rockwell/ Arrow Global help plse

Arkell v Pressdram springs to mind.

[JammyDodger41]

Re: Westcot / Rockwell/ Arrow Global help plse

Ok back again. This is still ongoing. I have made June and July payments to Westcot at the agreed amounts of £36.00. They have still not responded to my letter of the 15th June or the follow up letter. In the meantime Rockwell sent a letter which I received yesterday the contents of which read "We have referred this case to our client for their advices but would ask that you supply us with any proof of your balance query so that we may investigate further "

Could you please advise me on this ? I dont feel that I should be having to provide Rockwell with anything . I have received nothing in writing from Arrow Global nor Westcot stating that the Account has been passed onto Rockwell and the dispute re the balance with Westcot remains. Could someone please advise how they think I should respond to Rockwell with regards to their letter please ? Many Thanks.

[JammyDodger41]

Re: Westcot / Rockwell/ Arrow Global help plse

Quick Update

Rockwell have responded to letters mentioned above to say that they have put the Account on hold whilst they also get in touch with Westcott re the disputed balance. In the meantime Westcott have failed to respond or even acknowledge my letter so far .

[JammyDodger41]

Re: Westcot / Rockwell/ Arrow Global help plse

Great all done. Letters went off to both of them yesterday. Thankyou again .

Re: Westcot / Rockwell/ Arrow Global help plse

I'd reply as per last paragraph of post 5.

[JammyDodger41]

Re: Westcot / Rockwell/ Arrow Global help plse

I have posted a letter to Westcot and also paid them the £36.00 for this month. Should I send Rockwell a template Prove It letter at this point or just a standard pleasant further to our conversation blah blah blah letter. ie we wont pay you until we establish your right to collect the debt and also that the balance is in dispute with Westcot , which I have already told them on the phone but wanted to follow up in writing? Thankyou

[JammyDodger41]

Re: Westcot / Rockwell/ Arrow Global help plse

Labman has come to my rescue many a time and I can honestly hand on heart say, that I have no idea where on earth I would be right now with this whole minefield ,if it wasnt for him.

I will be back with updates if that ok.

[winner12]

Re: Westcot / Rockwell/ Arrow Global help plse

Hi Jammy
To confuse us is there best option I still get totally confused its a mine field
Labman is a stalwart(hope you dont mind Labman) he always helps me out good luck

Re: Westcot / Rockwell/ Arrow Global help plse

I'd still do as in post 5 just to cover your back.

[winner12]

Re: Westcot / Rockwell/ Arrow Global help plse

Hi Jammy
Arrow are the main DCA Wescot collect on their behalf or whats known as the next down
My MBNA account is with them too so just pay wescot as usual

Re: Westcot / Rockwell/ Arrow Global help plse

If the account was agreed with Westcot, you should continue to pay Westcot. I would be inclined in your letter to state that you can prove from your bank that payments have been made to and received byWestcot. Would they please send you a statement of account (a) to confirm in writing that no payments have been received, and (b) to establish the correct balance.

Rockwell have no right to demand anything from you. They need to prove their entitlement to collect the debt, and then you can negotiate a DMP with them. The whole point of Cashflow is that it puts you in charge of your own DMP, so don't be bullied. At the end of the day, any DMP arrangement can be cancelled at any time by either side anyway,so it is more a semi-formal gentleman's agreement than something which is cast in stone.

I would also write to Rockwell advising that you are establishing the exact situation with Westcot at present, so will not be dealing with them, unless they can send you clear proof of their entitlement to be collecting this debt, in which case the balance is disputed anyway, so you cannot do anything until that has been resolved.