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Thread: Westcot / Rockwell/ Arrow Global help plse

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    Default Westcot / Rockwell/ Arrow Global help plse

    Hi there,

    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.

    Thankyou.

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    Default Re: Westcot / Rockwell/ Arrow Global help plse

    Can I jsut bump this please if you dont mind ?

    Has anyone any advise that they may be able to offer here please ?

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    Default Re: Westcot / Rockwell/ Arrow Global help plse

    I think its up to Rockwell to prove to you they can collect and not the other way around
    Had all of this and still on going with CAP 1 3 DCA asking for payment at the same time now its back with the Cap 1 after about 18 months of doing the rounds
    and its still up in the air
    I think we worry too much I know I do as all my other debts with Cashflow dont cause me any problems

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    Default Re: Westcot / Rockwell/ Arrow Global help plse

    Thankyou Winner for replying, I do appreciate it. So do you think that I should continue to pay Westcot for now and sort out the dispute with payments and then send a prove it letter to Rockwell maybe ? I am unsure as to where Arrow Global even come into this.I am so confused.

    My main reason for worrying is that I dont want three companies all trying to claim a slice of the pie as it were !

    Thankyou.

  5. #5
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    Default 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.

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    Default 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

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    Default Re: Westcot / Rockwell/ Arrow Global help plse

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

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    Default 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

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    Default 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.

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    Default 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

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    Default Re: Westcot / Rockwell/ Arrow Global help plse

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

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    Default Re: Westcot / Rockwell/ Arrow Global help plse

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

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    Default 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 .

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    Default 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.

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    Default Re: Westcot / Rockwell/ Arrow Global help plse

    Arkell v Pressdram springs to mind.
    I am not a lawyer, nor do I pretend to be a lawyer.

    For sensible legal advice http://www.lawsociety.org.uk/choosingandusing/findasolicitor.law

    For FREE legal representation, go to the National Probono Centre

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    Default 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 ?

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    Default 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.
    I am not a lawyer, nor do I pretend to be a lawyer.

    For sensible legal advice http://www.lawsociety.org.uk/choosingandusing/findasolicitor.law

    For FREE legal representation, go to the National Probono Centre

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    Default 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 .

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    Default 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 ?

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    Default Re: Westcot / Rockwell/ Arrow Global help plse

    Put the kettle on...

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    Default Re: Westcot / Rockwell/ Arrow Global help plse

    Quote Originally Posted by JammyDodger41 View Post
    Back again. I have heard nothing from anyone and consequetly paid nothing on this debt since July 2012.
    The Statute Barred clock is ticking!
    Quote Originally Posted by JammyDodger41 View Post
    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 ?
    Chances are, the account is being passed to another DCA. No point in doing anything till you hear from someone. Let sleeping dogs lie...

    ...I haven't heard a peep from anyone for a year now!

    Financial Institutions gambled and caused global economic meltdown, then they were bailed out with our tax money. We consumers are still expected to pay the debts we incurred as a result of their actions. It's time to fight back.


    I don't give advice, just offer guidance and useful resources




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    Default Re: Westcot / Rockwell/ Arrow Global help plse

    So just sit back and wait............ ?

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    Default Re: Westcot / Rockwell/ Arrow Global help plse

    Thankyou Flaming Parrot, I was jsut a bit concerned if another DCA got involved I would be in even more of a pickle, not knowing where or who had the debt.

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    Default Re: Westcot / Rockwell/ Arrow Global help plse

    41
    You seem to be new to this and have no idea what you're dealing with!

    Last year I had 3 DCAs chasing me over a small electricity bill that I settled in 2011, including the one I settled the bill with. These people are hopeless muppets who will do anything if they think there's a chance of easy money. They thrive on threats and rely on people being afraid of them.

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    Default Re: Westcot / Rockwell/ Arrow Global help plse

    Quote Originally Posted by JammyDodger41 View Post
    So just sit back and wait............ ?
    That's exactly what I've been doing… not heard from anyone for a year!
    Quote Originally Posted by JammyDodger41 View Post
    Thankyou Flaming Parrot, I was jsut a bit concerned if another DCA got involved I would be in even more of a pickle, not knowing where or who had the debt.
    Debts get passed round DCAs until they gets sold. You'll know who's chasing it when you hear from them. When a debt is sold rather than just farmed out for collection you will get a notice of assignment (NoA). You cross that bridge when you come to it.

    Financial Institutions gambled and caused global economic meltdown, then they were bailed out with our tax money. We consumers are still expected to pay the debts we incurred as a result of their actions. It's time to fight back.


    I don't give advice, just offer guidance and useful resources




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