Hope I'm one of them I'll reply here as soon as I get a reply! Thanks so much!

Ok...just the whole prospect of going to court makes me ill! Other creditors have been great and understanding...just this one!

Thanks....will I just respond here when I get a reply...do u advise I speak to carter should they provide a CCA?

Arrows is just showing up as a new entry (it doesn't show the boxes with each month if you get what I mean it just says new account arrow from this month) I'm assuming it hadn't been updated. Mbnas one is showing a default from march 2011 but now has settled written next to it.

Nothing on arrow as yet default march 11 on mbna...mbna said I had to declare husbands income although they will retract that...they basically never resounded to my requests for CCA have sold the debt so now I guess it's arrow who I deal with but I haven't had anything from them...not sure if it's wise if they do produce the CCA to set up agreement or let it go down court route??

Ah thanks CCA request already sent by recorded delivery to carter with a request of statements etc...terms and conditions wre just print outs no dates etc no signatures etc. I just said I have received no details from your client of an alleged debt or account...if they send the CCA signed is it wise to deal with arrow and carter and set up an agreement. Mbna asked details of my husbands earnings etc which at the time I declared but I'm sure as its solely my debt they broke some law...it's definitely settled on my mbna account but showing new one with arrow now on my credit file. Thanks again I really appreciate the advice...

They never cashed the cheque...it's showing on credit file as settled with cc company but new one now with arrow...not that arrow have contacted me just mr carter...last payment approx year ago. Last payment was made about year ago I kept paying when and what I could till they took away the facility to do so online and then didn't tell me nZme of who was dealing with it nor despite about six requests for a CCA they didn't send it just a printed copy of terms and conditions but now signed CCA. I'm happy to set up a repayment once I get that but can only afford a small amount a month...but although mbna notified me debt was being allocated for sale to arrow I have had nothing from them. My husband is angry at how stressed I've been with it all...but after reading these I feel I may have a case as they haven't responded whether it be debt collectors or the original creditors to my request for the original signed CCA or answered my questions...no problem with other companies who are accepting low amounts each month...thanks so much for helping me!

Hi not sure if this is right place to ask but I'm having bother with carter too...basically got into trouble with mbna credit card. Made a verbal agreement with them over the phone which they retracted...they defaulted my account saying it may be sold...went down the allied credit n fredrickson route where I continued to ask for proof of the CCA and that MBNA had instructed them...nothing sent despite sending £1 cheque...now they sold my debt to arrow. I have had no letter from arrow just one from Bryan carter (I had previously heard from him before account was sold so are all these people same company)....it says I had to pay by ten days or they will take me to court...I sent a formal letter recorded delivery saying I have not heard from arrow and require copies of statements the signed CCA terms and conditions etc...worried about this court thing...will it be near my home? Do they have to have the original CCA? Advice appreciated. New to this so I need non jargon help! Thanks..

Ive checked the account and it shows in March 2011 D (default) nothing else after that date....no other companies showing in relation to debt. Thanks.

Thankyou...I'll notify you of any correspondance...many thanks.

Ok I'll check with credit reference...(which is best way to do this)...cheque not been cashed...Frederick say they are collecting on behalf of MBNA...I've already asked for a copy of the CCA from Frederickson International LTd...nothing arrived...should I send another request via recorded delivery?Many Thanks..

Thankyou for your help...I sent letters dating back to 28th April 2011...asking for a copy of the CCA and it wasnt until October they said I had to pay £1...(some of my letters I had to resend via recorded delivery...but all but one letter I have retained copies of)...They also said my wifes income was needed to be accounted for in my inital negotiations with MBNA...stating her to disclose her income and outgoings...(wasnt sure if they could do this) but when dealing with MBNA I thought anything to negotiate a repayment....however they said they had terminated my account and over April-June did not reply to my letters other than a standard letter from MBNA saying they MAY sell my debt. Allied International Credit then contacted me by letter (Mr A dickie) I refused to give any info only to ask for a copy of an agreement between myself and them....that never arrived nor did MBNA notify me of giving debt to AIC...similar letter from Frederick International...(They have continued to write/text asking me to contact them). I have again wrote twice Oct/Nov to MBNA asking for a copy of the CCA (enclosing the £1 cheque), and for a copy of notification the two companies own my debt.....(How can two companies own a debt?). I have had no replies to date....both AIC and Frederick International Ltd both say they act for MBNA...wording is very hazy...but nowhere does it state they own the debt...this was only mentioned in earlier correspondance from MBNA...they MAY sell my account.Thanks again....

I'm new to this....help pleaseCan anyone advise....I recieved a letter from MBNA (who I have had lots of hassle with regarding my account), saying my account MAY be sold. This was following a verbal agreement (nothing in writing) after falling into difficulty managing my account for me to pay £80 a month...I took out the account in 2005. Debt just over £4000....however for some reason when I rang MBNA they had no record of the agreement (surprise surprise), and I should await notification. The famility to pay online was removed and I initally received a letter from Allied International Credit saying they had the debt. I wrote to MBNA as I had no notification of this or who allied credit were and asked for an original copy of the CCA agreement from MBNA and myself. I also then got a similar letter from Frederick International Limited saying they had the debt. I again wrote to MBNA and both companies asking for a copy of any CCA. I said all correspondance should be done in writing. MBNA asked me to send a £1 cheque to get a copy of my CCA which i did...it still has not arrived...they have failed to answer why they have passed on my details to two seperate companies nor why they have not notified me of any changes to my account. Every telephone call made between myself and MBNA they deny...and I have not spoken verbally to either AIC and Frederick International...but I have had several calls and texts. I have stated until I have info I will not discuss anything with them as I dont know who they are....advice please as I'm worried and its having a negative impact on my home life.Thanks