Wescot are after me please help

[MumOfTwo]

4 years ago HSBC told me they were going to charge me £50 for an overdraft I didn't want or need. Told them I had just been made redundant and paying £50 would make me overdrawn and I wouldn't be able to pay it back, they told me I had to have this overdraft and they refused to close my account down (it wasn't in arrears) saying I couldn't because they want to process this overdraft. I cancelled all direct debits and found out I was pregnant and forgetting all about this. Then a year later I got a letter from arrow global stating I owed HSBC money and must pay arrow global. I got in touch with HSBC who denied me ever having an account with them stating there's no record so I would have to contact arrow global and get the information from them. I thought banks had to keep records so ignored it as they claimed I didn't bank with them so how could I owe them anything. I've just received a letter from Wescot in regards to their client arrow global Ltd - HSBC. They claim I owe them over £700 I really don't know what to do and am terrified of bailiffs knocking on my door and I don't have anywhere near that kind of money nor do I believe I owe this money

[nemesis45]

Re: Wescot are after me please help

Good afternoon, welcome to LB,

First to attempt to ease your mind bailiffs are not coming knocking at your door,

there's a long process before anything like this can happen.

Sounds like another HSBC foul up.
Is the amount claimed made up only of charges for failed DD's?

I think perhaps putting the onus of proof firmly upon Westcott and Arrow Global may be the way forward.

Here is a suggestion.

Wescott Credit Service Ltd

address as on their letter.


Date:

Ref: use theirs.


Sir / Madam,

I refer to your recent correspondence regarding an alleged debt for £700.00 arising from an account with
HSBC now supposedly owned by Arrow Global.

Please note I do not acknowledge any liability to Wescot or Arrow Global.

I have taken the opportunity to check with HSBC.

HSBC has stated that it has no record of my ever having an account with them.

Therefore I require Wescot / Arrow Global to provide unequivocal proof the I
have any liability for the alleged debt and also provide proof that they are
entitled to attempt to collect the alleged debt.
I am willing to allow 10 working days for your response after which I shall consider
the matter closed.

If you use this send by signed for post and check delivery.

BTW Arrow & Wescot are of the same group.

nem