And a CCA to Arrow!

Ok. I must admit don't like the tone of their letter!

Hope they're bluffing.

I'm certainly sending off for these first thing Monday am!

Dont think much about the tone of the letter, its not personal, they just want someone to fund this years Christmas party.

Santander were not the "original creditor" though, GE money were so good luck with them getting the CCA.

IF you get a claimform, we will help you deal with it, get those 2 letters sent then see what responses, if any, you get back.

doesn't mater if they aren't.

the facts are theres a lot here that is in answered

the make up of the balance and the change from it being a only allowed spending 'in-house' with said group of companies and the fact it was changed to a general credit card.

there are rules and anomalies that surround such changes one that comes to mind is the M&S charge card that changed to a credit card they failed in their duties .

lots of threads here on that.

the sar here will be the teller of tale.

dx

Thanks so much for all your support guys. Means a lot.

A little bit of background. I've had this Debt a long time, it was a Debenhams/Santander storecard, was maxed to about 5K around 2001/2002 when I was married (in my name and she spent!) then she left 

with me and the debt (and lots of others).

Long story short, interest took it up to 12K, and I paid when I could and got it down to 9K. 

I've had phases where i've made payments and had phases

where i've totally ignored the letters as they've gone from one creditor to the other (and back again).

Over the last few years going back to 2009 when i've asked for help on here Ive had some good support.

(So its been 4 years since i've come on here to post anything). The last company to have it was ARROW GLOBAL and since 2018 its been going back and forth to DRYDENS.

Today I come for some advice. I've received a letter from DRYDENS FAIRFAX SOLICITORS and its similar to a letter i've had in the past

Its a letter saying they've took over the balance and that i've no repayment arrangement in place. It also says 'our client may also be willing to consider an offer of a significantly reduced amount to settle your account'

The bit thats unnerved me that i've never seen before in past letters is 'if we do not hear from you by 11th June we will issue you with a Letter of Claim on behalf of our client and full balance will remain due'

Do I need to be worried? 

Hope you can help. Thank you so very much.
Jack Jones

When did you last pay anything?

Dx

Looks like I paid in December 2017, after getting in a bit of a tizz. I'd paid 6 payments of £80 from July to Dec.

3rd time you were told to stop payments and you didnt.

until or unless you get a letter of claim with a reply pack you ignore everyone..they are all part of the arrows group.

as long as you haven't now moved since the last time you wrote to them...cca request?? Or sar??

Dx

Thanks for your help. Yes, you're right. totally messed up there, panic got hold of me

Okay I will ignore until anything arrives. Does the letter of claim come from the court?

Yes I did actually move in 2018, after I made the last payment in Dec 17. But their mail has still found me, however i've not replied.

I did send a CCA request to some company not sure who as it was way back might even be around 2013 if I had to guess. Can't recall if I did a SAR either. I think I totally put all this out of my mind!
 

Update - I've just checked through some old papers and I did send a CCA request but it was 2009 and they came back with a photocopy of the agreement from 2001 (it was with GE money at the time). I dont think I sent off for a SAR.

Send arrows a new cca request

you must always update debt owners of a move

Letter of claim will come from drydens...

Comeback here with the full cca return to pdf if one ever comes

Thank you, much appreciated.

With the CCA, is it best to post a letter or send email?  either way I'll get on it right now. 

Should I just put my new address in the letterhead or state 'this is my new address' ?

If I get anything back i'll be back here asap. 


 

just send a new CCA request, how can you use email when you have to send a £1PO and you NEVER give a fleecing dca a free way to harrass you...

dx

OK I sent CCA request on Monday 7/6 recorded delivery with a postal order uncrossed with £1 stating on the back that it didn't go towards any alleged debt.

Wednesday 9/6, received the postal order back from Arrow with a cover letter saying they no longer charge a fee and 'we will respond as soon as we can'

Then on Friday 11/6 morning a letter dated the 10th (they said if we didn't hear back from you by the 11th) I got a letter of claim from Drydens saying 'if you do not provide proposals to repay, legal action may be issued in the county court'.  Along with 'you have 30 days to respond'. Attached is a printout of an income and expenditure sheet.

Click letter of claim follow post 2

But you obv dont issue a new cca

Thank you dx. Understood not to send for another CCA.
I've had a read through note #2, my first time seeing anything like this. Thank you for bearing with my questions!

When ticking box D, "I dispute this debt because"..recommended reason as advised from your thread, what reason should I use?
(The truth is I do owe some money from way back, it was originally 5K, interest saw it go up to 11K (so unfair), and I paid 2K get it down to £9k (as currently owed)) in my eyes, I only owe £3K.  Id rather not pay anything as my ex-wife (who wasn't in her name) spent it!

When ticking box I, "I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]" who is this, would this be Arrow?

When I've filled in the PAP reply form, i'll send it off first thing Monday morning.  What happens then, I just wait, what happens if it goes past 12 days with the CCA, or 30 days with these documents?

Many thanks
 

well ......

1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.

2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.

3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.

On 01/05/2013 at 15:18, ken100464 said:

Have read your thread again in total.

 

Your default notice states your Debenhams Gold Dual Card.

 

Our Debenhams Dual Card was one of these uprated storecards. Your CCA is for a storecard same as ours but Santander v Mayhew goes to show that they needed to get you to sign a new agreement when it was uprated. If you have a SAR which you were off to get back in 2009 then you should see the uprating in the coms log if it happened.

 

Might not be the case for you but I would be suspicious of what its saying your card was on that Default notice.

^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page

as for the PAPLOC reply,

D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.

i: delete [CC is attached to this reply form]"