Sainsburys bank loan - Arrow assigning it to resolvecall

[hamadryad]

I think I’ve rattled arrows cage cos today I got a letter about a Sainsbury’s Bank account from them, saying they’ve passed the account on to Resolvecall for them to visit me.

 

I’ll send arrow a cca request this afternoon.

 

H

 

[dx100uk]

you can't send a CCa for an OD debt

[hamadryad]

It’s not an overdraft.

Its for a loan through that bank.

 

H

[dx100uk]

then its not as bank account .....it's a loan

when you get anything back start a new thread about it in the lloyds forum and scan up the full cca return

 

 

[hamadryad]

Hi,

 

Had a letter today from arrow saying that they had passed the account to resolvecall cos I hadn't contacted them.

I'm planning to send a CCA request to both arrow and resolvecall.

 

We will see what transpires!

 

copy of CCA request attached.

 

H

 

[dx100uk]

had to remove your upload

1, what does the CCA request link say in red at the top..

2.its a docx file, all your personal details can be found in file/properties-info.

[dx100uk]

this would have been when sainsbury's did not have a bank so would have been finance by royal Bank of Scotland (RBS) so moved the thread to that forum.

 

just because arrows think its now lloyds owned as they took over most of the old RBS stuff is just laughable, they don't even know the OC...

 

when did you take this out save looking in your old thread

 

dx

 

[hamadryad]

Oops!

 

thank you!

I took it out in 2006, but had been paying it until a couple or 3 years ago.

Arrows say cos I hadn’t contacted them, they had passed it on to resolvecall.

I guess they are fishing then.....

 

The CCA request is in the format in the thread you pointed me to.

 

H

[hamadryad]

Well we’ll well!

 

Got a letter today from Resolvecall (who is sent copy of the cca request to as well as arrows), saying that if I didn’t contact them on the number they gave, or the email they gave, within 7 days of receipt of their letter, they would be sending someone to speak to me.

Shall I send them an ‘assumed right of access denied’ letter, or just ignore them.

 

H

[dx100uk]

never invite pointless letter tennis.

 

10 minutes ago, hamadryad said:

Shall I send them an ‘assumed right of access denied’ letter, or just ignore them

no such thing, that was a stupid idea invented by believers of freeman of the land twaddle and should never have been advised on CAG in the past, sadly we had some very poor staff then..

 

ignore, it does say WILL... read their comms carefully again..but if they do turn up, Film them on your phone, don't engage..

tell them to leave your property and never return else you'll call police 101.

 

 

[hamadryad]

It says that ‘failure to call Resolvecall within 7 days will lead to a personal visit being made by one of our representatives to your home’.

’To avoid the need for this action please call Resolvecall on 0141 212 8471’

 

I will ignore, and if they turn up film them & threaten with the police.

 

H

[hamadryad]

Got my first response back from arrow.

it did not fully comply with the request I sent, just a list of payments made.

They say that they do hold copies of statements from Sainsbury’s due to a ‘previous request for documentation’.

However, I don’t believe they have any more than just statements.

 

H

[dx100uk]

how unsurprising.  ruddy fleecers.

 

dx

 

 

[hamadryad]

I’ll just be ignoring them.

They are obviously trying to get me to start paying, but they’ve no chance now cos they didn’t fully comply.

 

H

[hamadryad]

Had a large format letter from Dryden which contained a credit agreement.

I couldn’t find my signature on it anywhere, so it’s binned!

My guess is that they are all wriggling round & trying to convince me to start paying again.

On current evidence they've no chance though.

 

H

 

[dx100uk]

its better you scan stuff to PDF here

it could have been an online sign up whereby you didn't sign anything?

 

dx

 

[hamadryad]

It’s in the recycling now.

I don’t remember ever applying on line.

I was a time when the offers came through the post regularly!

Easy credit etc.

H

[dx100uk]

well never bin stuff without scanning it here 1st

you should be aware of such, you've been here long enough

 

dx

 

[hamadryad]

Got another letter from Dryden etc saying they’ve been tasked by arrow about the ‘so-called’ debt.

They are asking for a financial breakdown again.

They are not getting that for certain!

 

H

[dx100uk]

as long as it's not a letter of claim...yep ignore them

[hamadryad]

This is about a virgin card I had once.

It’s the one that I sent the request back for when I got the letter of claim from them back in April.

I guess that they are trying it on again.

 

H

[hamadryad]

Got two letters today!

 

1. One from crapquest saying that they have been assigned the work, so what?, and 

2. One from arrow saying that they have obtained the documents I requested, and that I should email them urgently so they can send them securely to me.

They want me to include:

Name

Address

Post code

Account number!

 

They say that this is to help support their staff, in that correspondence should be by email.

 

I have it on pdf, but the file size is too big apparently!

 

H

[dx100uk]

Hope you haven't give that info?

simply an exercise to get a free way to harass you.

make them write.

 

use pdfreducer

[hamadryad]

Absolutely not!

 

I’ll check out that reducer too.

 

H

[hamadryad]

Well aren't they persistent!

 

Got a letter today from drydens referencing the same account that I sent a SAR to, (I got no response to that!), saying that I have until 12 Aug to get back to them or they will issue a letter of claim against me!

 

They say that their client may be willing to accept an offer of a 'significantly reduced sum' provided it's affordable to me.

 

It would seem that they are clutching at straws now.

 

H