Well, over a month on, continued automated messages, no solicitor letter though. Though suddenly received a generous reduced settlement offer last week. How generous that they're allowing me to pay less money that I don't owe than they claimed I owed previously. Filed under 'ignore'.

:fencing:another winner!

An update to keep you amused! This morning Wescot finally got back to me - 'as a consequence of the query you raise, the above account has been returned to our client... ...we have closed the debt' etc... So - score 1 to CAG for the advice on these forums! I also had another letter from ARC (updating the string of letters and calls I've been ignoring), claiming that Arrow Global are monitoring my credit for them, and that they can tell that I can afford to pay 'this debt', and furthermore 'they can see that you have been applying for credit' elsewhere - which is an outright lie. I had a little chuckle to myself. I'm considering going down the 'give me details' line, just to stop the bullsh/t phonecalls, but also ask for details about these alleged credit applications, as clearly either Arrow Global are lying to ARC or there's somebody trying fraudulently to obtain credit under my name. (Which do you think it is?) (Not a serious question, btw) All good sport, anyway!

Thanks, that's great to know. I know the payment will have to happen, it's just the how we go about it that's important, rather than just having it snatched like this!

Wife made initial payments, unfortunately; but would never have agreed to the amounts that were taken this week...

Oh I see, sorry - card is lloyds

BC and Egg

It's over 2 cards, roughly 5k on one, 8 on the other. How come?

That's great - thanks for that - we'll deal with the monkey-grinders!

Ok - this one's off to a bad start - unbeknownst to me, wife was hassled by Mercer a month ago, she was full of flu and agreed to a couple of account repayments over the phone - she was so ill that she can't remember the exact details. This came to light today when, instead of the £50 or so she'd agreed, they'd taken over £150 for each. She has letters from them about the 'agreement' but they don't state what the payment amounts are. I got her to cancel the bank card they're using the details for; but now wonder how best to negotiate with them, now that payment is underway. Do we wait until they can't take another payment, start ringing/writing, and then get a more sensible level negotiated (in writing, of course)? All advice greatly appreciated.

Cheers dx Only Wescot got a reply - ARC have heard/read nothing from me! have a good weekend folks!

I had a similar scenario and won a couple of weeks ago. I'd initially forgotten to pos the V5, but did so after getting a reminder. Nothing happened for a couple of months until I got a fine for failing to notify. I replied saying that I'd sent eh V5 and considered the matter closed. Heard nothing until a 'last chance' fine arrived. Replied with a similar letter along with the original letter. This was October. Again, heard nothing. 3 days before Christmas, got a summons to the magistrates court! On advice from some legal types I came up with a letter showing the timeline of events, reminding them that once the V5 had been sent I could no longer inform them of the new keeper as all the details were there. I also said that I was writing to the DVLA complaints people and my local MP, pointing out that I had tried to maintain a dialogue, which had been ignored completely. Finished off by saying that their action was disproportionate and unfair. They dropped the case on the morning of the hearing. I don't think that you have to provide the details as they were on the V5 you sent - it's not your fault if Swansea has lost them. There is no requirement of you to keep a record. I'd leave the new buyer out of it, as that might just complicate things for you. You carried out your duty by posting - there is no need to post RD. After that, the ball's in their court, as is the balls-up. Just keep restating your position.

with thanks!

Ok, I've done that and there's no sign of the bank in question appearing on it. Looking at the report leading back 6 years, I start to wonder if there's a good chance that statute barring will come in here. No CCJ's , BAI's, CIFA's

Hi Mike - nice to be here - got a nice DVLA win to post elsewhere once my fingers thaw! I thought that Wecscot went suddenly quiet. I've got a sneaking suspicion that what they're chasing is statute-barred. Though that's based on rough calculations. I guess I'd know more if/when details are supplied to me. So do I take it the next step is to request full details from ARC (CCA request?) before going on? Have to add what a fantastic job you guys do in supporting people through very disturbing times - it's amazing reading these forums to see just how people can stand up to what appear to be bullies and theives!