Debenhams "sold" accounts to debt collectors - but zero balance

pqrdef

Haven't Santander just sold their entire store-card business?

[Deleted User]

I think they're planning to, but they have to vent some of their incompetence one final time

bingy_burge

Just as aside I worked in debenhams IT head office in taunton for 6 months on temp basis in 2010-2011. One of my jobs was to monitor their epos servers activity and keep an eye of the failures level. Santander are very effiy bunch. Their servers would go down and all debenhams card payments fail showing on the epos system and they would catagorically deny it was their servers till they were blue in the face even when we traced it to their servers. I would also get various customer complaining about the cards from not working and blaming debenhams to payments made not going through and I justed decided their card was more hassle than it wa worth as I was entitled to discount should I take one out. They seem a nightmare and I dont know why debenhams dont drop them.

pramodnegi

Arrow can try to hit you with whatever fees they like, but they're unlawful if there's no debt to collect.

It will be amusing to see if they sent you a letter asking for payment of £0 before they take action!

If you're sure the balance is zero this isn't worth worrying about, just laugh at the fools

Fruit_and_Nut_Case

matttye wrote: »

Arrow can try to hit you with whatever fees they like, but they're unlawful if there's no debt to collect.

It will be amusing to see if they sent you a letter asking for payment of £0 before they take action!

If you're sure the balance is zero this isn't worth worrying about, just laugh at the fools

pramodnegi wrote: »

Arrow can try to hit you with whatever fees they like, but they're unlawful if there's no debt to collect.

It will be amusing to see if they sent you a letter asking for payment of £0 before they take action!

If you're sure the balance is zero this isn't worth worrying about, just laugh at the fools

I smell :spam: approaching. (Not from you, matttye)

Buzby

matttye wrote: »

I doubt the T&Cs say anything about selling on a zero balance.

Exactly - which is why it is irrelevant. The customers have already given permission for the data to be shared with third parties. As there is no stipulation as to the balance owing, they can do it for ANY level of balance, even in credit.

CKhalvashi

Buzby wrote: »

Exactly - which is why it is irrelevant. The customers have already given permission for the data to be shared with third parties. As there is no stipulation as to the balance owing, they can do it for ANY level of balance, even in credit.

Which can be revoked at any time, as per the DPA mentioning 'creditworthiness' as one of the protected principles.

CK