Nightwatch & Hubbys Diary of debt

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Barclaycard (2)
CSL chasing /Robersway/mkpd
started 1999
ballance £3681.29
defaulted 2002 & 2010 I have written about this but they would not answer last letter in which i pointed out I had proof of 1st default
CCA 2010 they sent a small copy of T&C that they say would have been inforce at time of signing
SAR 2012 sent micofiche copy of agreement bur T&C are illegible and only details of this account.
have sent letter pointing out that I require all info held and an original legible copy of agreement

2013 Default has been removed I contacted experian, with proof of the first default, after no joy from Barcs they said they would contact barcs and let me know the outcome,
still waiting for a reply from experian, but on checking file noticed the account had been removed altogether
08/08/2013 CCA request sent (had to send another as hubby hadn't canceled the payments)
19/08 letter from CSL, until you send the fee we cannot process your request

19/08 letter to CSL, you have had the fee you cashed it on the 15/08 the same date as your letter was typed up. you will not be getting another I suggest your accounting dept has a whip round to replace it. the original request received by you on the 09/08 still stands you have until 23/08 to send CCA or this account is in default.
03/09 still waiting#
04/12 letter from berzeks [19/11] your Barclaycard account has now been passed to Allied International credit [uk] Ltd to manage the collection of the balance outstanding on your account.You should contact AIC as a matter of urgency on 0141xxxxxxx who will discuss with your proposals for repayment of the outstanding balance on your account.

now it's a pity they didn't send this letter a fortnight ago when AIC started calling me and then the person on the other end of the phone wouldn't have annoyed me so much that I swore at him!!

phone rings true call says" you have a call from" and a sneary up his own arse voice says " Mr SMITH" and chuckles, so I took the call "hello Mr Smith, how can I help you", am I speaking to Nightwatch? that depends which Mr Smith are you? pardon, which Mr Smith are you? why does that matter? so I can say if I'm nightwatch or not! are you totally stupid? no, but you think I am because you think I believe your name is Mr Smith, well you answered the phone, yes I did and I am also recording this conversation , you can't do that with out telling me first, are you recording this call? we may well be, good then you can play this back and try and understand what is being said, I do not recognize your number, so I haven't asked you to call. I Don't like unsolicited calls from any company so please put every thing in writing and send it to me, and remove any numbers you have from your dialing system, we will phone when we like until you speak to us, as you wish, but I have just spoken to you, and told you I wont again, now Pickle off and stop chuffing wasting my time you muppet.at which point I zapped him

20/12 letter from AIC [17/12] This account has been assigned to us from Barclaycard this means CSL have cocked up
We are unaware of any reason for the non payment and we encourage you to contact our office to resolve the outstanding matter in a timely manner they have been told I've not paid, and to try and get some money from me
If you are experiencing financial difficulty please call us as we are happy to discuss your situation and how we can help resolve we're not really interested we just want to try and scare you into giving us your money, then we can have a good laugh as we talk about it in the pub later
10/01/2014 SWID letter sent
11/01/2014 letter from AIC dated 7th jan. they have been unable to come to an acceptable arrangement with me regarding the repayment of my outstanding balance.coz your not going to get one
This is MY last chance to work together with them think i'll pass, tho it was a difficult choice
It is in MY best interest to come to a mutually acceptable agreement, so please contact them on the number on the letter to discuss the matter further. or I can fill in and sign the enclosed IE form and send it back within 7 days along with an offer of payment.errrm NO
21/02 well AIC have phoned me every day this month lucky for me the truecall baffles them, but have sent off a telephone harassment letter, pointing out that in my January letter (SWID) to them that they signed for on the 13/01, it clearly states All Communication in writing only and that they are not to phone as I will log and record all calls, which WILL be used to make a complaint if nessesary

27/02 letter from AIC (24/02) thanking me for my recent letter and confirming that they will be conducting a through investigation into my concerns, Once it is compleated they will write to me again
they enclosed a copy of their internal complaints procedure, and end with a final line of.....
In the meantime,If you have any queries, please do not hesitate to contact me on the direct line number below??? my complaint was I wanted no telephone contact!!!!

28/02 letter from AIC they have upheld my complaint and have removed all phone numbers from their records. they have send me £50 for inconvenience caused

16/05 letter from Robson way, well it is typed onto a piece of paper with Barclaycard photocopied at the top, Your account has been passed to Robson way Ltd to manage the collection of the balance outstanding,
You should contact Robbers Way as a matter of urgency, they will discuss with you proposals for repayment of the balance outstanding on your account. at the moment I don't have any proposal to repay this OUTSTANDING account so won't bother to contact them
23/06 letter from RW they are authorised to negotiate repayment of the balance outstanding. please contact us to agree an affordable and sustainable repayment plan based upon your personal circumstances.

dear RW, my circumstances are as follows.
I am not allowed my own opinion on football, cannot dress myself with out my face coming into contact with the floor,door, bed, wall, as I dance around the bedroom with both legs down one trouser leg, often find I have my tshirt on inside out and back to front, normally after a few sherberts,
I am treated like a slave by my family, cooking, washing, cleaning, for up to half an hour a day at least,the rest of the day I am forced to go shopping, have a meal out, visit friends and relatives, natter with the people next door.
My life is appealing, sorry appalling, and now you come wading in with your bully boy tactics of being NICE, well thats it you've gone to far ,I am going to have to revert back to self medication, as the Dr has struck me off his list for free booze,
because of you Bargin booze are going to have a bumper year and I will be back on their staff party list for Christmas,
I hope your happy with yourselves
cheers
p.s. this account is in dispute as no CCA has been received, stop phoning as I wont answer, and my doorstep has been very naughty so is not allowed visitors for the foreseeable future. Ta Ta
SWID letter sent to RW

26/09, letter on Barclaycard headed paper with return address of Bellshill on envelope dated 19/09 they write to inform me that the account was assigned and transferred to MKPD LLP on the 10th Sept so they are now the effective owners,BUT they have appointed MK rapid recoveries as their servicing agents, so, all contact is to be made to MK RR lower down it says I should make payments to MKPD LLP
in the same envelope is a letter on MKPD headed paper telling me that they are the legal owner of the debt due,and how important it is I contact them( upon receipt of the letter) to discuss my options
I must ensure that all future correspondence and payments are sent to MKPD LLP at the address in Milton Keynes, so whats happened to MK RR? which I take it are Milton Keynes Rabid Recovery's

03/10.letter from MKRR dated 30th Sept, further to their recent communication regarding transfer of ownership they have not received my offer of payment.they want to help me and are in a position to help me clear the outstanding balance,BUT... they can only do this after speaking to me. they beg me to call them and discuss ways we can help.they only posted this one 4 days after the first so don't give much time to get back to them, do they?
until they reach an agreement to clear this balance they will continue to contact me by phone or letter so they advise that I contact them to resolve the matter, I take that as a threat of harassment!
06/10 SWID letter to MKRR.
22/10 letter from MKPD (15/10) account on hold while they liaise with the original creditor, they will get back to me. don't rush lad's
30/10 letter from MKPD (27/10) Final Response to my concerns.
They have raised my concerns with Barclays and they have confirmed that they do not have a record of an unresolved dispute on file as this was complied with when? I have only had a minute copy of some T&C that they say would of been in force when the account was opened, CSL never sent me a reply to my CCA request last year but they did cash the payment for it
they continue with what should be provided under S78 CCA ,A copy of the executed agreement (never received) any document referred to in it (er how would you know what was referred to in it, if you have never received it) and a statement of account which they say is; I owe £3,681.29 no breakdown of any payments made.

Due to the current status of my account the full outstanding balance is now due. We are currently unable to provide a copy of the credit agreement. We accept that we are therefore prevented from enforcing the agreement with you while this state of affairs continues.
Notwithstanding that we cannot currently enforce the agreement; our rights continue to exist under the agreement. you should therefore continue to pay the debt that has accrued on your account. We can and will continue to take any action short of enforcement reporting to CRA's and requesting payment from you,they refer to McGuffick v RBS (2009)
They say this completes their obligation under S 78 of the act and they request that I phone them to discuss my account
On this occasion they have been unable to uphold my claim but I do have the right to refer my concern to the FOS within 6 months

20/11 letter form Mkrr(13/11) we have still not received your offer of payment,coz i've not made one we can offer you an instalment arrangement to clear the outstanding balance, £0 a month is fine by me, we can only do this after speaking to you, won't get done then, Please call us to discuss ways we can help, stop asking for money and you won't be disappointed
if you don't contact us we may need to take further action to resolve this, have you read the last letter you sent me?

well since the last letter mkrr have tried to contact me by phone 6 times 3 times in one day on the 28/11 twice yesterday, not checked today's log yet,
now I know that they can make reasonable requests for payment as it is unenforceable till they find any paper work, but I stated quite clearly on the SWID letter i sent to them that I will not discuss any alleged accounts over the phone, all communication is to be in writing, any calls received will be logged by date and time and may be ,indeed in the past have been , used to make a formal complaint of harassment. I think 3 times in one day is harassment,
03/12/14 letter from MKRR dated 28/11/14 ,Please call us to avoid further action, further to our letter offering to help you clear this balance we have not received your offer of payment.not sent one Without your cooperation we cannot offer you any help to reduce this balance and may need to take further action which could involve litigation via the courts to recover this amount. This is something we wish to avoid so please contact us immediately so we can come to an agreement, I have a letter from MKPD that states that they cannot enforce the account as they cannot produce a copy of the agreement, mkrr have phoned 7 times in 3the last days
MKRR: must be a lonely office junior in charge as on checking our call log on the True call, they tried to call me 4 times on the 23rd and at 08,20 am on 24th (Christmas eve) maybe they were hoping to catch me before I sobered up, to get a Christmas tip off me.

JAN 2015
MKRR have sent 2 letters A FINAL WARNING and a we are sending it to KEYNES
MKDP have sent another letter saying they can't enforce as they cannot provide a copy of the agreement
Have started a separate thread here http://forums.all-about-debt.co.uk/s...392#post467392

these muppets are getting beyond a joke.

17/01 after receiving a Notice of intended legal action from Keynes. sent threat of LIt and copy of MKDP letter confirming UE,
have today 28th received a letter of apology from MKDP, see post 12#, the threat letter was a mistake as my account had not been amended to show as UE. but still asking me to phone to discuss the account .they can whistle

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S sc hubbys
started 1999
balance £1436.11
default 2006
Rockwell keep contacting us but ignored and sending payment to OC

12/04 CCA request sent
4/05 CCA received,they have sent a RECONSITUTED copy of the app/agreement form and T&C
it's a blank form with hubbys name and address typed in
will send to his Niddy ship


Missing PT letter sent
19/5, Letter from Rockwell, they are disappointing to note that they have not had a recent payment,if they don't hear from us by the 23rd may, any agreement we have had regarding the repayment of said debt will be cancelled and THEY will recommence action to recover the outstanding balance in full
If no action is taken concerning this matter the account may be passed to their 'Specialist recovery agents' "Fenton Cooper" to assess further recovery options,
I/WE have never had an agreement with Rockwell, we have been paying any payments to M&S direct
Rockwell are acting agents of M&S
have received letter dated 13/06/12 saying they have complied with the request under CCA1974 the account is not in dispute, and if I think it is I should provide full and sufficient details,
they state' there is NO requirement under section[77][78] that the original or a photocopy of the original signed agreement be provided

13/11/2012 09;20 phone call, but the caller couldn't work out how to get through truecall so all we got was "please phone Buchanan .....
13/11/12 letter from BCW, stating M&S have instructed them to recover the out standing amount, M&S are unaware of any Legitimate reason for non-payment. they would like us to contact
them so they can have a ' more thorough understanding of our financial circumstances' will send sold while in dispute letter
17/11/12 letter(dated 12/11) from M&S saying they have asked Buchanan's to take responsibility of the account BCW will contact us in due course about the overdue amount on the account
30/11 letter from BCW dated 23rd, they thank us for our recent communication and have placed a "cease all action" instruction on the account while they look into our complaint

jan 2013
16/01/13 letter from BCW(14/01) FINAL RESPONSE , they have investigated our claim and concluded our complaint has been refuted.
M&S have stated they sent a copy of our agreement by recorded post in May 2012.Therefore we will continue to pursue the outstanding balance with in the context of our clients instruction and the legitimate nature of our business.
Please contact our office directly to discuss the repayment options available to you.
17/01 letter from BCW (14/01) We wrote to you recently regarding your outstanding balance and regret to note that it still remains outstanding well seen as we only got the recent letter you wrote on the 14/01 yesterday its not given us much time to do anything
All that we ask is that you make contact with us on 0844 xxx xxxx so that we can discuss and gain an understanding of your financial circumstances. If you make contact with us our specialist advisers will be able to provide you with support (good i need holding up after a couple of bottles) and advice, they will be sympatetic to your individual circumstances, and they will help you to find the most appropriate way to take steps towards resolving and closing your account
dispute letter sent to BCW pointing out that an invallid CCA has been received and that I WILL NOT discuss the account over the phone!
29/01 letter from BCW dated 26/01. BCW are here to help. overdue debts can have a serious affect on your credit file ,they can also prevent or make it more difficult for you to obtain finance at all in the future. Make us an offer blah.. blah.. blah...NO MORE LETTERS OR PHONE CALLS. when you enter into a payment arrangement, as long as you make your repayments on time you will not receive phone calls or letters from us for a minimum of 6 months, at which point we will contact you to review your circumstances. Phone us today..
BCW received my letter on the 29/01 but they are still phoning
02/09/2013 letter from M&S dated 24th aug account SOLD to Arrow Global ltd, on 25th july who have appointed Wescot CS as their servicing agents [ now isn't that a pity] it also contains a Notice of assignment from Arrow saying they have appointed Wetcloths as their agent and that all correspondence should be sent to them and not Arrow.
will wait for wescot to contact and send in the big guns xx

well never heard off wetcloths but today we receive
02/12 letter from Morecrap, your account details have been passed to us from Arrow to act as a collection agent and we will now be dealing with your account now that is a shame so close to Christmas
it's also a pity that Morecrap only quote their own and arrows Ref numbers and not who the debt was originally with only realised it was this account by the amount outstanding
09/12 letter from morecarp. important information- possible further action in big bold capital letters I can't read it any louder so why do they do that? to prevent possible further debt recovery action we are to send a payment proposal before 12/12/13,not left us much time or telephone 0161xxxxxxx within the next 7 days, if not they may have no alternative but to recommend to their clients that they consider possible further debt recovery action against us I thought they were the *further action*

21/12 letter from morecarp re our arrow global account .As they have not received any communication from us with regards to our outstanding account, they feel we may not be in a position to meet their request to pay the account in full. SO
In order to stop them from recommending that further debt recovery action is taken they can confirm that they would be prepared to accept an affordable monthly repayment plan that we can afford to maintain. Any payment offer will be considered and POSSIBLY accepted, PROVIDED we compleat their I+E form to support our proposal BLACKMAIL
Failure to respond within the next 7 days from the date of this letter [19/12] may leave them with no option but to recomend that their client takes further recovery action we can't get a reply can someone else deal with it
Jan 2014
swid letter sent to morecarp17/01 letter from morecarp dated 13/01. they thank us for our recent letter requesting a copy of the credit agreement and point out thet under the CCA 1974 we must provide a fee of £1.00. please make the fee payable to Arrow Global who is their client, I sent a sold while in dispute letterwith the date on which the original request was made

10/04 letter from Arrow (07/04 has sc return address on the envelope) they have transferred the account to Scotcall, all communication is to be with SC
28/07 well Scotcall are eager little bunny's had a phone call off them but nothing else.
11/12/14 letter from arrow (01/12) Change of Agency, Scotcall will no longer be managing this account. Arrow still own the account but we have passed the account to Wescot , please direct all queries, correspondence and payments to Wescot Wescot were supposed to contact us last year but they never did
dec 2014, letter from wescot asking for payment

SWID letter to wescot rceived by then 22/12

Jan 2015


03/01 letter dated 31st DEC from wescot Reminder we recently wrote to you but we do not appear to have received a response from you

18/02 letter from westcot. we have written to you on several occasions asking you to contact us about this account, to date we have received no response.In an attempt to close this matter our client has agreed that we can offer you a discount to settle your account

lets see if my math is correct this will be the 3rd letter they have sent, I sent a SWID reply to the first one, which was signed for on the 22/12/14, they make no mention of it being a former M&S account only mention Arrow. I am just in the mood to send a ,I have no memory of ever having. had an account with Arrow, please check you Have the correct person' type of letter

update

[Pixie]

Re: Nightwatch & Hubbys Diary of debt

It would seem that Arrow have bought the M&S account. Have you ever had a NOA? I can't see any mention of one in the diary post.

I think I would send a one-liner saying that you replied and that they signed for that letter on 22/12/2014.

Keep an eye on this - Arrow are issuing quite a few claims at the moment.

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

account sold to Arrow on the 25/07/13, NOA frm Arrow says they instructed Wescot to manage the account but never heard of them till dec 2014, went to morecrap and Scootall 2013/14/

will send a
Dear Wetcloth,
many thanks for your letter, I have read the contents and feel that a response is in order to put matters straight.
you have sent me 3 letters now regarding the above ref number the first was on xx/12/14. you will find, if you check out your paperwork that I replied to this letter , indeed a member of your company signed for it on the 22/12/14, possibly it has been filed as Christmas junk mail as it had no payment inside it towards the xmas party, so your comment that no response to your communication(s) has been sent, is misleading
My apology's for not replying to the 2nd letter but I assumed that your department junior may of hit the wrong template button and sent it in error, in reply to my letter of the xx/12/14
As for this 3rd letter I feel I must refer you back to my reply to your 1st letter and I enclose a copy of that letter for clarity, It also means that you get a second chance to send a reply to it.
I look forward to your hearing from you
NW

[Pixie]

Re: Nightwatch & Hubbys Diary of debt

account sold to Arrow on the 25/07/13, NOA frm Arrow says they instructed Wescot to manage the account but never heard of them till dec 2014,

Yes, I can see that now

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

Nationwide cc
still with OC
start date 1998
balance£8,254.44
Defaulted April 2007
prorata payments up to date
His Nidship has deemed this thanks Niddy

27/1/12. letter rec offering part settlement if i pay 25% in 14 days, will not have to pay the rest but will only report part settleed to CRA.don't think so!!
08/2013 Don't all shout at me but realised I never sent for the CCA on this last year, nor did hubby stop the payments from his account. have done now
CCA received and sent to His Niddyship but am thinking a missing T&C is in order
all that they sent was, 2 photocopy's of a signed DD mandate dated 25/08/98 + 09/09/98, copy of signed application [think this was a flyer] with no T+C visible, leaflet of recent T+C

02/09 missing prescribed terms letter sent

09/09 letter from NCCS (05/09) in reply to my Missing PT+C, they say they have provided me with all the information relating to this account in there letter of the 20/08, and they are unable to supply me with any further information.
I have provided them with no legal basis for disputing the amount owed in respect of the account and they are not willing to engage any longer in protracted correspondence with me. If i fail to make payments to the account Nationwide will enforce the debt in accordance with the Terms and conditions of the account ( will this be the original T+C that they have not sent) I am to note that if I do not make the required payments and it becomes necessary for them to commence Court proceedings to recover the debt, they will seek costs of doing this from me. They recommend i seek advice from a firm of solicitors or CAB

04/11 Letter from K.P.R. threatening hell and high water if I don't pay Formal Demand for Payment in big bold capital letters will hide until nasty person stops shouting NW collections has passed my account to them,it is important that the debt is repaid so please call 0845xxxxxx within 7 days cutting it fine letter is dated 29/10 NW is now considering taking legal proceedings to obtain a court judgement or decree against you.
they go on to say costs would be added and that NW or one of its agents would look to enforce by one of the following options
Charging order jointly owned so only a restriction
warrant of execution will supply my own gallows
Attachment of earnings I can be unemployed at any time
Alternatively, your account may be referred to a specialist external DCA now your talking


06/11 threat of litigation letter sent
21/11 letter from nwide[18/11]they are sorry i have an issue with my cc account and thank me for telling them, they are investigating my concerns and hope to be in a position to issue their responce by 6/12, if not they will contact me to let me know, they enclose a how to complain leaflet
11/12 letter from natwide [06/12]Dear Nightwatch, you may recall I wrote to you on 18/11/2013 promising to look into the difficulties you experienced with your. /??????
My investigations are taking a little longer than anticipated because. ????????
Thank you for your patience, I should be able to send you a final response by 30/12/1899. ????

02/01/2014, letter from Nationwide [24/12/13] they thank me for my response to their letter of the 5/9/13 [missing PT]
from my most recent correspondence he is aware that i feel the debt which is currently on my CC account is UE, He can confirm that the information I requested has been sent to me which is a true reflection of my account.

He also notes that I requested them to send a photo copy of the signed CCA.When any documentation is received regarding an account they are scanned on to our electronic server, The copy sent to me previously would be the same as a photo copy of the original as per my request.
As outlined in our previous letter I have the right to refer my complaint to the FOS, should I wish to I have till the 20th Feb 2014, which is 6 months to the date of our previous final response letter. A Smith

13/01/14 letter from KPR[07/01] DISCOUNT ON OUTSTANDING BALANCE WITHOUT PREJUDICE
We are able to offer you the opportunity to settle the debt by paying a significantly reduced one off discounted sum 50p ?
The benefits to you of doing this are:
Nationwide or one of it's agents will not make a claim for a court judgment or decree against you
Legal costs will not be added to the outstanding debt
It will greatly improve your chances of obtaining future credit as we will update your credit file to reflect our amicable agreement don't want it updating, it's not showing on my credit file
Your account will be closed and the remaining balance written off
To take advantage of this offer please phone xxxxxxxto discuss what discount is available, this offer will remain open for 7 DAYS 0nly. If the debt remains outstanding you will receive a Final Notice demanding payment of the full balance why is it always 7 days, only gives me till tomorrow

25/01 letter from KPR dated 21st, FINAL NOTICE,

we recently advised you of our involvement in the recovery of your debt [jan 2012]
you failed to take the action requested in our previous correspondence

Your debt has now become a priority case and I cannot allow this to continue
You must call me within the next 7 days with an acceptable offer to repay the outstanding balance
If you do no not I will refer your account to a debt collection agency to pursue you for this outstanding debt, wonder if she has a whip??

22/02, undated letter from Nationwide,Management of your account will now be carried out on our behalf by............Fredrickson International Ltd
You will need to ensure all communications are made directly with them in the future, Will await the begging letter from Freds
07/03 have received the YOU MUST CONTACT US NOW ON 0845 xxxxxxx letter from freds, decided to wait for the next letter from freds

13/03, letter from freds dated 11/03/14, Freds have decided to go in for the kill as they have sent a LBA and they want the money IN FULL with in the next 7 days otherwise they will take IMMEDIATE ACTION, i quote
"There remains a balance outstanding on this acount and legal action is now being considered. Should it be necessary to issue proceedings in the county court (or Sheriffs Court) further additional costs will be added to the outstanding balance, they go on to list costs, and if a judgement or Decree is obtained and remains unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge the outstanding debt, do they not have to go to court and win first?
they continue, A judgement debt or Decree against you would seriously affect your ability to obtain credit in the future.
for your convenience we offer a variety of ways to pay see reverse of letter or go to fredpay.com

well the cheeky boogars have just put a new default on my credit file the original only came off in may last year!!

21/03/14 Freds have put the account on hold while they contact 'their client' and will get back to me
28/03letter to Nationwide, telling them to remove the default registered with the CRAs as they had already defaulted the account and it had only just fallen off in April/May of 2013, they were to treat the letter as a formal complaint
29/04 letter to nationwide complaining about my Ignored Formal complaint
15/05 reply to my complaint, dated 09/05, they are sorry I have had to complain, they are looking into it and should be able to give me a reply by 22/05/2014
17/05 letter from Nwide (14/05) they are investigating my concerns and will be in a position to issue a response by June 4th 2014 well at least that's THIS century
30/05 letter from Nwide (28/05) from Mr A D,
Dear Mrs nightwatch, I am writing regarding your recent complaint with Nationwide regarding your credit card. In order to fully investigate your account and your concerns I need You to contact me using the above details in order to discuss the outstanding balance and your intention to clear the debt
once you contact me I hope to be in a position to issue our final response by 4 june 2014
05/07 letter received they are removing the 2nd DN and would like to send me £150 quid, If I would like to discuss repayment of the account I am to contact Fredriksons, I have already had confirmation that this DN HAS been removed from Experian who also apologised for not getting back to me sooner
06/09 letter on Nwide headed paper, but envelope has a Walton on Thames post mark,they are letting me know that the management of my account will now be carried out on their behalf by ARC (europe)ltd, who are based in Walton on Thames. I need to ensure that all contact is is made directly with them in future'
17/09 call from ARC but they asked for a mrs nitwitcher so I said no one here by that name and hung up, number will now be zapped by the truecall
18/09 letter from ARC dated 15th, this account has now been passed to us for collection as our client has been unable to obtain payment of the outstanding amount from you
we wish to make it quite clear that unless a substantial payment is made to us within the next 10 days, along with a firm offer to clear the rest of the overdue balance, we may pass your account to our solicitors, with instructions to prepare court proceedings against you. if they are only dealing with this account on behalf of NWide is it not NWide that have to issue proceedings?
you can make secure payments to ARC 24 hours a day with your Debit or CREDIT CARD on our website or by phoning our automated payment hotline on 0845 0268889 premium rate call
22/09 SWID letter sent to ARC, added a paragraph telling them that I thought the tone of their introductory letter , demanding an immediate payment of a substantial amount, and court action should further payments not be forthcoming,was both Intimidating and harassing,with out first finding out they had the correct person.also asked if they were acting for Nwide or had they bought the account?
also made it clear that all communication was to be in writing and my number was to be removed from their data and, I did not give my permission for anyone to call at the property to discuss the alleged debt .

25/09 letter from ARC, "please note we are a debt collection agent, acting in good faith on the instructions received from Nwide, We have been instructed by our client to manage your account and we are therefore authorised to contact you in connection with the above matter and to instruct solicitors in contemplation of court proceedings where we consider it appropriate to do so.We have acted in accordance with our clients instructions and within current collection legislation and guidance, we reserve the right to produce our correspondence to any tribunal, regulatory body or investigating authority to prove our compliance and good conduct in this matter.
We are sorry to learn that you find the tone of our letter intimidating and harassing. We can assure you that this is not our intention and we are committed to resolving this matter amicably. We are unaware of an outstanding document request. Please be advised that the account is on hold, as we have passed your comments to our client and are awaiting their reply, we will contact you again when we have their reply

11/03/2015 letter from Arc dated 11/03.the enclose a copy of my signed agreement which shows I agreed to the T&C of the contract. No T&C enclosed
as they have supplied me with this document they must remind me that the outstanding balance is due and payable, they require my payment proposal within the next 30 days.
I can make payment 24/7 using my debit or CREDIT card or call their hotline on 0845 xxxxxx, they must make it quite clear that unless a payment is made within the next 30 days along with a firm offer to clear the rest of the balance, they will contact their client to obtain instructions on how to proceed to recover the debt, so it is in my best interest to contact them immediately on receipt of this letter.
They acknowledge my request not to contact me by phone and will comply with that request provided I send a payment along with a firm offer to clear the rest of the debt

well they can whistle Dixie for all I care, the demanding little sh1ts.
they have sent my application form, yes my siggy is on it but there are no T&C and there is nothing on it to say I agree or have read them before signing
under the signature box it says YOUR RIGHT TO CANCEL. once you have signed this agreement, you will have for a sh (rest is missing)
right to cancel it, Exact details of how and when you can do (rest is missing)
sent to you by post by us
parts of it look like a cut and paste job as the ends of words or sentences are missing
Any whoo will send Arc missing PT&C

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

well they can whistle Dixie for all I care, the demanding little sh1ts.
they have sent my application form, yes my siggy is on it but there are no T&C and there is nothing on it to say I agree or have read them before signing
under the signature box it says YOUR RIGHT TO CANCEL. once you have signed this agreement, you will have for a sh (rest is missing)
right to cancel it, Exact details of how and when you can do (rest is missing)
sent to you by post by us
parts of it look like a cut and paste job as the ends of words or sentences are missing
Any whoo will send Arc missing PT&C

Arc have sent me a letter saying 'In response to my recent communication, my Nationwide account has been returned to their client'

[MrsD]

Re: Nightwatch & Hubbys Diary of debt

another one bites the dust

[nanna58]

Re: Nightwatch & Hubbys Diary of debt

another one bites the dust

Hope it chokes um x

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

MNS reserve
started 1997
ballance £2333.64
defaulted 2006
prorata to date oc


12/04 CCA req sent
05/05 CCA rec Niddy says
Had not received anything from them till today 30/06, they have asked Rockwell DCA to deal with the account , I should hear from them shortly they phoned last night but were flumuxed by the truecall so left no message

28/07letter dated 23/07 from Rockwell, they have been asked to consider my individual circumstances and to find the best possible way forward for me and their client.

so long as they are managing my case for M&S they can GUARANTEE me ,that in respect of this particular debt:
NO debt collectors will visit my home
I will not be subject to any legal action, or Incur legal fees or costs
NO interest will be applied to my outstanding balance.
HOWEVER, to continue managing my case, they must show their client that they are in contact with me and we are working together to find a resolution.
If their client is to take back the case from them, they may consider the options open to them to recover the amount owed these may include the ones detailed above,
Time is of the essence and I should contact them right away to avoid such action.
08/08 another letter from Rockwell, pleading with me to contact them so that they can help me, or they may have to return it to M&S.If I have notspokento them or sent atleast a token payment within 14 days the account may be passed to their specialist recovery agents Fenton Cooper
they give me 4 ways to make my token payment(one being by debit/credit card)
In addition they have been authorised to offer me the opportunity to settle the account at a significantly reduced rate but they don't say what
the remaining balance may continue to be shown on my credit file as being in default, although their client will not continue to chase payment of the remaining sum

3/09/12 letter from Fenton cooper,It opens with Dear Madam.my account has been escalated to them for assessment and further recovery action to avoid further recovery action I must
1, Pay in full to Fenton Cooper
2, Contact their collection department

Failure to take the above action MAY result in the following actions
1, a debt collector MAY visit my home
2, a court judgement/Decree MAY be requested
any Court costs awarded will be added to my debt

Missing PT letter sent to FentonCooper
letter from FC dated 16/10, this matter is being investigated and they will contact me on recept of the information from their clients
28/10 still waiting
17/11 letter from FC they refer to my request for a copy of the CCA 1974 (s77) We enclose a copy of the executed agreement, enclosed is a copy of the signed agreement but no TC. letter continues
Having satisfied our obligation under s77, the agreement is fully enforceable and we shall continue to treat it as such. they will not be entering into any further correspondence with us reguarding the provision of copy agreements and they remind us that failure to make payments in respect of this agreement will result in further collection activities and any default may also be reported to CRA's
8/12, letter from Rockwell,dated 30/11, they have been instructed by M&S to contact me regarding my account which remains unpaid, I have 10 days to pay in full or they will take immediate action so 10 days from the date of the letter gives me till Monday, will send Missing PT letter
jan 2013
14/01/13 letter from rockwell (11/01) they are concerned that this matter remains unresolved, if they have not spoken to me or received atoken payment in the next 14 days, my account MAY be passed to fenton cooper to assess further recovery options, BUT, as a special offer i can settle at a reduced amount.
they say they have been authorised to offer me the option to settle the account at a significantly reduced amount, the remaining am mount may show on my credit file as being a default, although their client will not continue to chase payment of the remaining sum, call now to take us up on our offer and i will
save money
have my credit file updated
avoid further recovery action

13/03. letter from Rockers they write to confirm that they are no longer instructed to deal with this matter and have closed their files. I am to contact M&S if I have any queries.

15/03 letter from BCW dated 13/03, they have been instructed by M&S to recover the outstanding sum, they have also granted BCW access to my financial information held with A CRA and they will be monitoring this along with data from other sources to assess my ongoing ability to resolve this matter nosy beggers
It is imperative that I contact them to remedy the situation and so they can gain a more through understanding of my financial cercumstances, I am to phone one of their dedicated advisors,or, visit their website to set up a repayment plan/make a oneoff payment/find out if I am eligible for a discounted settlement,or send the full payment by post,
28/03 bcw regret to note that the balance on this account remains outstanding i thought that outstanding meant very good/excellent
they would like me to make contact with one of their specialist advisers who will be able to provide me with support is that with crutches/zimmer frame or just an elastic bandage and advice, they will be sympathetic to my individual circumstances, and will help me to find the most appropriate way to take steps toward resolving and closing my account when they say help me to take steps, are they talking about the pop group, coz if so i'm not taking them anywhere
April
08/04 letter from BCW Make us an offer errr stop contacting me and I'll forget you x
2014
letter dated 28th Feb from M&S they have sold my account to Arrow Global Ltd on the 5th Feb 2014 and that Arrow had instructed Wescot to collect, They kindly give me wescots Address and bank details so I can send them my payment, also included was letter from Arrow saying they now own said account and have passed it to Wescot to collect
never heard off Wescot about this account
19/04 letter from arrow just to let me know they have transferred the account to..... ROCKWELL. I am to contact them to arrange payment, they had it in the first place and didn't get one, so what do you think their chances are now?
28/04 letter from Rockwell dated 22/04, they have been instructed by Arrow to contact me, the debt is now overdue and must be paid in full with in 10 days or they will take immediate action must call them on given phone number to discuss other possible options.
I will be asked to provide a full statement of my income and expenditure in order to validate any instalment/ temp arrangement. cheeky sods they can ask they won't get
think I will wait for next threat, I'm in a can't be arsed mood

well never heard of Rockers but today I get a letter from arrow

01/10 letter dated 24/09 from Arrow. we are writing to let you know that Tessera will no longer be managing your account. The balance on the account is still owed to arrow, Wescot Credit Services ltd is currently manageing your account you should continue to make all payments and queries to them
09/10 letter from Wescot, they would like to inform me that they are acting for arrow/M&S Finan and would like me to contact them to discuss my options for repaying the balance on this account based on my personal curcumstances, these include, 1, paying in full, errm no, 2 Contacting us to agree an affordable repayment plan errm NO again as I have never had an account with M&S FINAN ,
the benefits of contacting us and agreeing a way forward are
you will not receive any further debt collection calls or letters from us regarding this account,I ignore most of them anyway so no benefit
while your account is with us you will not incur interest or fees, not paying gets me the same result, so, no benefit
you will be taking positive steps to improve your credit rating, already am as only 1 default left on CRA file, so, no benefit

30/10 letter from Wescot Arrow Global are offering significant discounts. to find out your settlement value and the savings you could make please call the above number, think I'll pass as I am already making "significant savings" by not paying anything
30/03 letter from Moorcroft, My account details have been passed to them from Arrow, could I pay them please.

now Moorcrofts letter says my Arrow account has been passed to them, I never took out an account with Arrow, I only knew it was this account because of the amount owing.
I will wait for the next letter and see what comes.
I am very tempted to send a who the chuff is Arrow ? I never opened any account with Arrow! letter

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

MNS reserve
started 1997
ballance £2333.64
defaulted 2006
prorata to date oc


12/04 CCA req sent
05/05 CCA rec Niddy says
Had not received anything from them till today 30/06, they have asked Rockwell DCA to deal with the account , I should hear from them shortly they phoned last night but were flumuxed by the truecall so left no message

28/07letter dated 23/07 from Rockwell, they have been asked to consider my individual circumstances and to find the best possible way forward for me and their client.

so long as they are managing my case for M&S they can GUARANTEE me ,that in respect of this particular debt:
NO debt collectors will visit my home
I will not be subject to any legal action, or Incur legal fees or costs
NO interest will be applied to my outstanding balance.
HOWEVER, to continue managing my case, they must show their client that they are in contact with me and we are working together to find a resolution.
If their client is to take back the case from them, they may consider the options open to them to recover the amount owed these may include the ones detailed above,
Time is of the essence and I should contact them right away to avoid such action.
08/08 another letter from Rockwell, pleading with me to contact them so that they can help me, or they may have to return it to M&S.If I have notspokento them or sent atleast a token payment within 14 days the account may be passed to their specialist recovery agents Fenton Cooper
they give me 4 ways to make my token payment(one being by debit/credit card)
In addition they have been authorised to offer me the opportunity to settle the account at a significantly reduced rate but they don't say what
the remaining balance may continue to be shown on my credit file as being in default, although their client will not continue to chase payment of the remaining sum

3/09/12 letter from Fenton cooper,It opens with Dear Madam.my account has been escalated to them for assessment and further recovery action to avoid further recovery action I must
1, Pay in full to Fenton Cooper
2, Contact their collection department

Failure to take the above action MAY result in the following actions
1, a debt collector MAY visit my home
2, a court judgement/Decree MAY be requested
any Court costs awarded will be added to my debt

Missing PT letter sent to FentonCooper
letter from FC dated 16/10, this matter is being investigated and they will contact me on recept of the information from their clients
28/10 still waiting
17/11 letter from FC they refer to my request for a copy of the CCA 1974 (s77) We enclose a copy of the executed agreement, enclosed is a copy of the signed agreement but no TC. letter continues
Having satisfied our obligation under s77, the agreement is fully enforceable and we shall continue to treat it as such. they will not be entering into any further correspondence with us reguarding the provision of copy agreements and they remind us that failure to make payments in respect of this agreement will result in further collection activities and any default may also be reported to CRA's
8/12, letter from Rockwell,dated 30/11, they have been instructed by M&S to contact me regarding my account which remains unpaid, I have 10 days to pay in full or they will take immediate action so 10 days from the date of the letter gives me till Monday, will send Missing PT letter
jan 2013
14/01/13 letter from rockwell (11/01) they are concerned that this matter remains unresolved, if they have not spoken to me or received atoken payment in the next 14 days, my account MAY be passed to fenton cooper to assess further recovery options, BUT, as a special offer i can settle at a reduced amount.
they say they have been authorised to offer me the option to settle the account at a significantly reduced amount, the remaining am mount may show on my credit file as being a default, although their client will not continue to chase payment of the remaining sum, call now to take us up on our offer and i will
save money
have my credit file updated
avoid further recovery action

13/03. letter from Rockers they write to confirm that they are no longer instructed to deal with this matter and have closed their files. I am to contact M&S if I have any queries.

15/03 letter from BCW dated 13/03, they have been instructed by M&S to recover the outstanding sum, they have also granted BCW access to my financial information held with A CRA and they will be monitoring this along with data from other sources to assess my ongoing ability to resolve this matter nosy beggers
It is imperative that I contact them to remedy the situation and so they can gain a more through understanding of my financial cercumstances, I am to phone one of their dedicated advisors,or, visit their website to set up a repayment plan/make a oneoff payment/find out if I am eligible for a discounted settlement,or send the full payment by post,
28/03 bcw regret to note that the balance on this account remains outstanding i thought that outstanding meant very good/excellent
they would like me to make contact with one of their specialist advisers who will be able to provide me with support is that with crutches/zimmer frame or just an elastic bandage and advice, they will be sympathetic to my individual circumstances, and will help me to find the most appropriate way to take steps toward resolving and closing my account when they say help me to take steps, are they talking about the pop group, coz if so i'm not taking them anywhere
April
08/04 letter from BCW Make us an offer errr stop contacting me and I'll forget you x
2014
letter dated 28th Feb from M&S they have sold my account to Arrow Global Ltd on the 5th Feb 2014 and that Arrow had instructed Wescot to collect, They kindly give me wescots Address and bank details so I can send them my payment, also included was letter from Arrow saying they now own said account and have passed it to Wescot to collect
never heard off Wescot about this account
19/04 letter from arrow just to let me know they have transferred the account to..... ROCKWELL. I am to contact them to arrange payment, they had it in the first place and didn't get one, so what do you think their chances are now?
28/04 letter from Rockwell dated 22/04, they have been instructed by Arrow to contact me, the debt is now overdue and must be paid in full with in 10 days or they will take immediate action must call them on given phone number to discuss other possible options.
I will be asked to provide a full statement of my income and expenditure in order to validate any instalment/ temp arrangement. cheeky sods they can ask they won't get
think I will wait for next threat, I'm in a can't be arsed mood

well never heard of Rockers but today I get a letter from arrow

01/10 letter dated 24/09 from Arrow. we are writing to let you know that Tessera will no longer be managing your account. The balance on the account is still owed to arrow, Wescot Credit Services ltd is currently manageing your account you should continue to make all payments and queries to them
09/10 letter from Wescot, they would like to inform me that they are acting for arrow/M&S Finan and would like me to contact them to discuss my options for repaying the balance on this account based on my personal curcumstances, these include, 1, paying in full, errm no, 2 Contacting us to agree an affordable repayment plan errm NO again as I have never had an account with M&S FINAN ,
the benefits of contacting us and agreeing a way forward are
you will not receive any further debt collection calls or letters from us regarding this account,I ignore most of them anyway so no benefit
while your account is with us you will not incur interest or fees, not paying gets me the same result, so, no benefit
you will be taking positive steps to improve your credit rating, already am as only 1 default left on CRA file, so, no benefit

30/10 letter from Wescot Arrow Global are offering significant discounts. to find out your settlement value and the savings you could make please call the above number, think I'll pass as I am already making "significant savings" by not paying anything
2015
30/03; letter from Moorcroft, My account details have been passed to them from Arrow, could I pay them please.
15/04; 08.30 am call this is a message from Moorcroft group for ........... cut off
22/04; letter from Moorcroft (dated 20/04) they have been unable to make contact with me following their recent letter. their aim is to establish with me, a repayment plan I can afford and maintain. Please send your payment proposal before 27/04 or telephone within the next 7 days
If no contact is made following receipt of their letter they may have no alternative other than to continue with further debt recovery action.
Further action may include this, or another DCA, continuing to contact you by letter or phone
We look forward to hearing from you and working with you in order to come to an amicable arrangement on behalf of our client. In certain circumstances we may also be able to offer a discount from the outstanding balance

Dear Moorcroft
you have been unable to contact me because
1, your number is blocked
2, I have not responded to your last letter
3, I can't be ar*~d,
4, I do not have an account with arrow, I had an alledged account with another company, but I have never signed any agreement with arrow.
If you think I am mistaken ,please ask Arrow to send details of when and where this agreement was made with them,
I note from your letter you have an aim, may I congratulate you on that. There are many people nowadays that walk round aimless, lost and alone so I am so glad you have one, unfortunately I am unable to help you in this cause as I think your aim is a little high. You see I too have an aim,
my aim is to not pay this account unless I have to, and then at a reduced balance.
thank you for sharing
love hugs and kisses
NW

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

M&S sc hubbys
started 1999
balance £1436.11
default 2006
Rockwell keep contacting us but ignored and sending payment to OC

12/04 CCA request sent
4/05 CCA received,they have sent a RECONSITUTED copy of the app/agreement form and T&C
it's a blank form with hubbys name and address typed in
will send to his Niddy ship


Missing PT letter sent
19/5, Letter from Rockwell, they are disappointing to note that they have not had a recent payment,if they don't hear from us by the 23rd may, any agreement we have had regarding the repayment of said debt will be cancelled and THEY will recommence action to recover the outstanding balance in full
If no action is taken concerning this matter the account may be passed to their 'Specialist recovery agents' "Fenton Cooper" to assess further recovery options,
I/WE have never had an agreement with Rockwell, we have been paying any payments to M&S direct
Rockwell are acting agents of M&S
have received letter dated 13/06/12 saying they have complied with the request under CCA1974 the account is not in dispute, and if I think it is I should provide full and sufficient details,
they state' there is NO requirement under section[77][78] that the original or a photocopy of the original signed agreement be provided

13/11/2012 09;20 phone call, but the caller couldn't work out how to get through truecall so all we got was "please phone Buchanan .....
13/11/12 letter from BCW, stating M&S have instructed them to recover the out standing amount, M&S are unaware of any Legitimate reason for non-payment. they would like us to contact
them so they can have a ' more thorough understanding of our financial circumstances' will send sold while in dispute letter
17/11/12 letter(dated 12/11) from M&S saying they have asked Buchanan's to take responsibility of the account BCW will contact us in due course about the overdue amount on the account
30/11 letter from BCW dated 23rd, they thank us for our recent communication and have placed a "cease all action" instruction on the account while they look into our complaint

jan 2013
16/01/13 letter from BCW(14/01) FINAL RESPONSE , they have investigated our claim and concluded our complaint has been refuted.
M&S have stated they sent a copy of our agreement by recorded post in May 2012.Therefore we will continue to pursue the outstanding balance with in the context of our clients instruction and the legitimate nature of our business.
Please contact our office directly to discuss the repayment options available to you.
17/01 letter from BCW (14/01) We wrote to you recently regarding your outstanding balance and regret to note that it still remains outstanding well seen as we only got the recent letter you wrote on the 14/01 yesterday its not given us much time to do anything
All that we ask is that you make contact with us on 0844 xxx xxxx so that we can discuss and gain an understanding of your financial circumstances. If you make contact with us our specialist advisers will be able to provide you with support (good i need holding up after a couple of bottles) and advice, they will be sympathetic to your individual circumstances, and they will help you to find the most appropriate way to take steps towards resolving and closing your account
dispute letter sent to BCW pointing out that an invallid CCA has been received and that I WILL NOT discuss the account over the phone!
29/01 letter from BCW dated 26/01. BCW are here to help. overdue debts can have a serious affect on your credit file ,they can also prevent or make it more difficult for you to obtain finance at all in the future. Make us an offer blah.. blah.. blah...NO MORE LETTERS OR PHONE CALLS. when you enter into a payment arrangement, as long as you make your repayments on time you will not receive phone calls or letters from us for a minimum of 6 months, at which point we will contact you to review your circumstances. Phone us today..
BCW received my letter on the 29/01 but they are still phoning
02/09/2013 letter from M&S dated 24th aug account SOLD to Arrow Global ltd, on 25th july who have appointed Wescot CS as their servicing agents [ now isn't that a pity] it also contains a Notice of assignment from Arrow saying they have appointed Wetcloths as their agent and that all correspondence should be sent to them and not Arrow.
will wait for wescot to contact and send in the big guns xx

well never heard off wetcloths but today we receive
02/12 letter from Morecrap, your account details have been passed to us from Arrow to act as a collection agent and we will now be dealing with your account now that is a shame so close to Christmas
it's also a pity that Morecrap only quote their own and arrows Ref numbers and not who the debt was originally with only realised it was this account by the amount outstanding
09/12 letter from morecarp. important information- possible further action in big bold capital letters I can't read it any louder so why do they do that? to prevent possible further debt recovery action we are to send a payment proposal before 12/12/13,not left us much time or telephone 0161xxxxxxx within the next 7 days, if not they may have no alternative but to recommend to their clients that they consider possible further debt recovery action against us I thought they were the *further action*

21/12 letter from morecarp re our arrow global account .As they have not received any communication from us with regards to our outstanding account, they feel we may not be in a position to meet their request to pay the account in full. SO
In order to stop them from recommending that further debt recovery action is taken they can confirm that they would be prepared to accept an affordable monthly repayment plan that we can afford to maintain. Any payment offer will be considered and POSSIBLY accepted, PROVIDED we compleat their I+E form to support our proposal BLACKMAIL
Failure to respond within the next 7 days from the date of this letter [19/12] may leave them with no option but to recommend that their client takes further recovery action we can't get a reply can someone else deal with it
Jan 2014
swid letter sent to morecarp17/01 letter from morecarp dated 13/01. they thank us for our recent letter requesting a copy of the credit agreement and point out thet under the CCA 1974 we must provide a fee of £1.00. please make the fee payable to Arrow Global who is their client, I sent a sold while in dispute letter with the date on which the original request was made

10/04 letter from Arrow (07/04 has sc return address on the envelope) they have transferred the account to Scotcall, all communication is to be with SC
28/07 well Scotcall are eager little bunny's had a phone call off them but nothing else.
11/12/14 letter from arrow (01/12) Change of Agency, Scotcall will no longer be managing this account. Arrow still own the account but we have passed the account to Wescot , please direct all queries, correspondence and payments to Wescot Wescot were supposed to contact us last year but they never did
dec 2014, letter from wescot asking for payment

SWID letter to wescot rceived by then 22/12

Jan 2015


03/01 letter dated 31st DEC from wescot Reminder we recently wrote to you but we do not appear to have received a response from you

18/02 letter from westcot. we have written to you on several occasions asking you to contact us about this account, to date we have received no response.In an attempt to close this matter our client has agreed that we can offer you a discount to settle your account

lets see if my math is correct this will be the 3rd letter they have sent, I sent a SWID reply to the first one, which was signed for on the 22/12/14, they make no mention of it being a former M&S account only mention Arrow. I am just in the mood to send a ,I have no memory of ever having. had an account with Arrow, please check you Have the correct person' type of letter


24/04 letter from wescot (22/04) further to my letter of the 16/03. they can confirm that they replied to my letter on the 24th Jan 2015. well I never received it so wonder which of my neighbors has seen it?
Having contacted our client they have advised that you wrote to them in June 2012 to say they had not prescribed the terms or true copy of the agreement. no I have not made a mistake this is word for word the contents of the letter wescot have sent , I wrote to M&S in 2012 arrow didn't buy the account till 2013, so is arrow their client or M&S,
Arrow sent you a letter back to advise that they have provided all that was legally require ( another mistake) and the account is not in dispute and the balance is correct and due, Arrow have never sent any such letter

well someone is telling porky's, If wescot replied to my SWID letter in Jan why have they not enclosed a copy of the letter? How can Arrow reply to a letter I sent to M&S before they owned the account? plus Arrow never reply to any SWID letters I have sent they always pass it over to another DCA

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

MNS reserve
started 1997
ballance £2333.64
defaulted 2006
prorata to date oc


12/04 CCA req sent
05/05 CCA rec Niddy says
Had not received anything from them till today 30/06, they have asked Rockwell DCA to deal with the account , I should hear from them shortly they phoned last night but were flumuxed by the truecall so left no message

28/07letter dated 23/07 from Rockwell, they have been asked to consider my individual circumstances and to find the best possible way forward for me and their client.

so long as they are managing my case for M&S they can GUARANTEE me ,that in respect of this particular debt:
NO debt collectors will visit my home
I will not be subject to any legal action, or Incur legal fees or costs
NO interest will be applied to my outstanding balance.
HOWEVER, to continue managing my case, they must show their client that they are in contact with me and we are working together to find a resolution.
If their client is to take back the case from them, they may consider the options open to them to recover the amount owed these may include the ones detailed above,
Time is of the essence and I should contact them right away to avoid such action.
08/08 another letter from Rockwell, pleading with me to contact them so that they can help me, or they may have to return it to M&S.If I have notspokento them or sent atleast a token payment within 14 days the account may be passed to their specialist recovery agents Fenton Cooper
they give me 4 ways to make my token payment(one being by debit/credit card)
In addition they have been authorised to offer me the opportunity to settle the account at a significantly reduced rate but they don't say what
the remaining balance may continue to be shown on my credit file as being in default, although their client will not continue to chase payment of the remaining sum

3/09/12 letter from Fenton cooper,It opens with Dear Madam.my account has been escalated to them for assessment and further recovery action to avoid further recovery action I must
1, Pay in full to Fenton Cooper
2, Contact their collection department

Failure to take the above action MAY result in the following actions
1, a debt collector MAY visit my home
2, a court judgement/Decree MAY be requested
any Court costs awarded will be added to my debt

Missing PT letter sent to FentonCooper
letter from FC dated 16/10, this matter is being investigated and they will contact me on recept of the information from their clients
28/10 still waiting
17/11 letter from FC they refer to my request for a copy of the CCA 1974 (s77) We enclose a copy of the executed agreement, enclosed is a copy of the signed agreement but no TC. letter continues
Having satisfied our obligation under s77, the agreement is fully enforceable and we shall continue to treat it as such. they will not be entering into any further correspondence with us reguarding the provision of copy agreements and they remind us that failure to make payments in respect of this agreement will result in further collection activities and any default may also be reported to CRA's
8/12, letter from Rockwell,dated 30/11, they have been instructed by M&S to contact me regarding my account which remains unpaid, I have 10 days to pay in full or they will take immediate action so 10 days from the date of the letter gives me till Monday, will send Missing PT letter
jan 2013
14/01/13 letter from rockwell (11/01) they are concerned that this matter remains unresolved, if they have not spoken to me or received atoken payment in the next 14 days, my account MAY be passed to fenton cooper to assess further recovery options, BUT, as a special offer i can settle at a reduced amount.
they say they have been authorised to offer me the option to settle the account at a significantly reduced amount, the remaining am mount may show on my credit file as being a default, although their client will not continue to chase payment of the remaining sum, call now to take us up on our offer and i will
save money
have my credit file updated
avoid further recovery action

13/03. letter from Rockers they write to confirm that they are no longer instructed to deal with this matter and have closed their files. I am to contact M&S if I have any queries.

15/03 letter from BCW dated 13/03, they have been instructed by M&S to recover the outstanding sum, they have also granted BCW access to my financial information held with A CRA and they will be monitoring this along with data from other sources to assess my ongoing ability to resolve this matter nosy beggers
It is imperative that I contact them to remedy the situation and so they can gain a more through understanding of my financial cercumstances, I am to phone one of their dedicated advisors,or, visit their website to set up a repayment plan/make a oneoff payment/find out if I am eligible for a discounted settlement,or send the full payment by post,
28/03 bcw regret to note that the balance on this account remains outstanding i thought that outstanding meant very good/excellent
they would like me to make contact with one of their specialist advisers who will be able to provide me with support is that with crutches/zimmer frame or just an elastic bandage and advice, they will be sympathetic to my individual circumstances, and will help me to find the most appropriate way to take steps toward resolving and closing my account when they say help me to take steps, are they talking about the pop group, coz if so i'm not taking them anywhere
April
08/04 letter from BCW Make us an offer errr stop contacting me and I'll forget you x
2014
letter dated 28th Feb from M&S they have sold my account to Arrow Global Ltd on the 5th Feb 2014 and that Arrow had instructed Wescot to collect, They kindly give me wescots Address and bank details so I can send them my payment, also included was letter from Arrow saying they now own said account and have passed it to Wescot to collect
never heard off Wescot about this account
19/04 letter from arrow just to let me know they have transferred the account to..... ROCKWELL. I am to contact them to arrange payment, they had it in the first place and didn't get one, so what do you think their chances are now?
28/04 letter from Rockwell dated 22/04, they have been instructed by Arrow to contact me, the debt is now overdue and must be paid in full with in 10 days or they will take immediate action must call them on given phone number to discuss other possible options.
I will be asked to provide a full statement of my income and expenditure in order to validate any instalment/ temp arrangement. cheeky sods they can ask they won't get
think I will wait for next threat, I'm in a can't be arsed mood

well never heard of Rockers but today I get a letter from arrow

01/10 letter dated 24/09 from Arrow. we are writing to let you know that Tessera will no longer be managing your account. The balance on the account is still owed to arrow, Wescot Credit Services ltd is currently manageing your account you should continue to make all payments and queries to them
09/10 letter from Wescot, they would like to inform me that they are acting for arrow/M&S Finan and would like me to contact them to discuss my options for repaying the balance on this account based on my personal curcumstances, these include, 1, paying in full, errm no, 2 Contacting us to agree an affordable repayment plan errm NO again as I have never had an account with M&S FINAN ,
the benefits of contacting us and agreeing a way forward are
you will not receive any further debt collection calls or letters from us regarding this account,I ignore most of them anyway so no benefit
while your account is with us you will not incur interest or fees, not paying gets me the same result, so, no benefit
you will be taking positive steps to improve your credit rating, already am as only 1 default left on CRA file, so, no benefit

30/10 letter from Wescot Arrow Global are offering significant discounts. to find out your settlement value and the savings you could make please call the above number, think I'll pass as I am already making "significant savings" by not paying anything
2015
30/03; letter from Moorcroft, My account details have been passed to them from Arrow, could I pay them please.
15/04; 08.30 am call this is a message from Moorcroft group for ........... cut off
22/04; letter from Moorcroft (dated 20/04) they have been unable to make contact with me following their recent letter. their aim is to establish with me, a repayment plan I can afford and maintain. Please send your payment proposal before 27/04 or telephone within the next 7 days
If no contact is made following receipt of their letter they may have no alternative other than to continue with further debt recovery action.
Further action may include this, or another DCA, continuing to contact you by letter or phone
We look forward to hearing from you and working with you in order to come to an amicable arrangement on behalf of our client. In certain circumstances we may also be able to offer a discount from the outstanding balance

19/05 letter from Morocroft dated 18/08 despite recent attempt to contact me no payment has been received in line with the arrangement we agreed to, with the result that your account is in arrears for the sum of £120.0

I haven't even written to them, so how can they have agreed to a repayment plan I havent made, or, how can I be in arrears for some thing no agreed? plonkers

[nanna58]

Re: Nightwatch & Hubbys Diary of debt

Come on its moorcroft,plonkers indeed x

[nightwatch]

Re: Nightwatch & Hubbys Diary of debt

forgot to say the important part at the bottom says

Please contact one of our fully trained advisors to discuss the arrears on your account .We would emphasise that if no satisfactory agreement is made with us you may leave us with no alternative but to recommence collection activity, where we may continue to contact you by letter and telephone, well that's ok then. (1)I don't answer the letters so they make their own reply's up (2) their numbers are blocked
Please would you contact us no later than 25/05/2015 think I may wait and see what happens next