Apologies if I have posted in the wrong place. If anyone could give me any advise with my situation it would be much appreciated.
I am currently on a DMP with CashFlow which has been working well. An MBNA debt was passed to Arrow Global in January 2012 who have requested I make the agreed payments to Westcot, supplying me with their bank details and a reference number. I have being doing this each month since February for £36.00 . At the end of May I received a letter from Rockwell advising that due to nonpayment Arrow Global had passed my Account to them ( Rockwell) and asked me to contact them. The outstanding balance on the letter from Rockwell was incorrect also. I called Westcot and spoke with them, as the letter stated it had been passed onto Rockwell due to non payment. Westcot are denying receiving any payments from me with the exception of one amount of £36 in February. In the meantime Rockwell keep phoning so I have spoken with them explaining that I wasnt prepared to make payments to them when I had'nt been advised by Westcot or Arrow Global that the account had been passed on and also that I was in dispute with Westcot as to the payments made to them. Rockwell have given me until the 26th June to get things sorted with Westcot and then begin to make payments to them (Rockwell). They have also in the meantime requested a copy of the Cashflow statement and details of all of the disputed payments made to Westcot. I havent done this .
I have just spoken with my bank who confirmed that all paymetns were made and received by WEstcot and they are sending me proof of such. I have also written a letter explaining as such again to Westcot and asking that they send me something in writing confirming that they have no further interest in the Account before I begin making payments to Rockwell and also that they investigate the payments made to them and amend the outstanding Balance. I have not printed or posted this letter as yet ,as I thought it was best to post on here and see if others are in agreement if this is the correct way to handle this. I havent made a June payment to anyone as yet.
I am intending sending a copy of the Westcot letter to Arrow Global as well. I am confused as to whether MBNA has sold the debt onto Arrow Global and they are asking WEstcot / Rockwell to collect from me. Who actually owns my debt now?
Any advise at all would be greatly appreciated.