I am waiting for action against me with trepidation,

I have complex mental health problems including memory loss which means I cannot recall all transactions related to matters over a year ago.

Thus, the prospect of remembering the details of DISPUTE which were raised over three years ago.

I sent many letters DISPUTING with original lender credit card, but don't have copies.

They eventually sold to Arrow Global.

They, in turn, have used a succession of collection companies , who I have ignored / returned letters unanswered.

I now wonder if original lender/credit card will be able to provide ( or even kept) my letters of DISPUTE ?

There are times when my cognitive process is greatly impaired, so I am unable to talk, write, take information in.

At other times, like right now, I can compose a short email. Any guidance gratefully received .

I think I destroyed my records last year in during a psychotic episode.

I take anti psychotics, anxiolytics, mood stabilisers and anti depressants , all of which impair my cognitive function.

Original agreement 1995

Last Payment 2011 (? needs verifying )

Default Notice possibly issued 2011 (? needs verifying )

so are arrows writing now?

is this on your credit file?

dx

Not Arrows at the moment, last company was .... Rossendales ( I returned stating "junk mail" ).

Don't know about credit file , not seen for several years.

time to visit noddle then

see below.

dx

Sorry, noddle ? Thank you for taking the time and trouble to reply.

Arrow farm out most of their collection work, so your mail will generally come from their DCAs and solicitors.

Ignoring mail doesn't much alter eventual outcome in most cases. What matters more is your status. Do you own property or have disposable income?

You can get copy of all your dealings with MBNA via a SAR but it is not likely to include mail between you and their DCAs. Technically it should do but you'd have a struggle to convince them.

Do you have a named lead mental health professional who could if necessary vouch in writing for your condition including, critically, the capacity and other issues you've mentioned?

A 1995 CCA may well be unobtainable or unenforceable, so I shouldn't worry too much if I were you

Thank you.

No property. Possible Pension Fund . Age 55.

Concerned could be forced to access,

WITHOUT fair treatment ref original DISPUTE of account.

Consider myself no fixed abode as could be ejected from current address without notice.

Afraid to do SAR as confirms current address.

Same CRA - afraid enquiry confirms current address.

Receive benefits - also OWE benefits so have deductions made until 2018.

Would have to represent myself in court

Under Consultant Psychiatrist supervision .

Could confirm medication and mental health condition

- don't really want to disclose to unregulated Companies...

Essentially , right now, have fugitive mentality. Am in hiding, ( not well hidden enough ) paranoia may be symptomatic of general condition, but doen't mean I'm wrong..

Worried that registering with noddle enables people to track me down .

.. I think I have an unpaid overdraft with a bank that hasn't tried to contact me for three years.

Register with noddle and they will update current ( however precarious ) address , and accelerate that process too.

I am happy to pay what I owe when I can but don't have the ability to fight case against charges penalties unfair interest rates

and failure to follow my instruction and refusal to reply to requests.

Because I only have occasional periods when I can write like this,

I FEAR triggering processes with Time Limits,

I've lost out because of this in the past.

have you any recollection upon the last time YOU used the card

there is very little chance of you ever having to appear in court

even if they issued a claim.

for roughly how many years have you been getting these letters chasing the money?

dx

Think card used sometime between 2009 ? Dispute with MBNA I think 2010 , letters etc since ... at least 7 different companies

Quote

Afraid to do SAR as confirms current address.

Same CRA - afraid enquiry confirms current address.

Use someone elses, even your bank and your post office will take mail.

Thank you for replying, thank you ALL for taking the trouble. Don't understand, are you suggesting registering on noddle giving my banks local branch address ?

I'm not sure what connif has in mind here, I'll leave him to clarify , but

noddle will enrol you only at an address verifiable from both electoral register and a bank card.

If you have a card, your address is already shown on CRAs *and therefore known to Arrow and its agents*, so your bunker posture will not protect you.

Moreover you will do yourself no favours as hiding is the perfect way for Arrow to start legal action against you

by sending a claimform to your last known address and thereby obtaining a default judgment.

In addition to the above , bear in mind that SAR is to MBNA not Arrow.

MBNA are not involved in the present proceedings so this is nothing to do with letting Arrow know where you are . . .

which, as I've just said, they already most probably do anyway.

I'd suggest further that if you're afraid to take this bull by the horns you check whether there is a free advocacy service in your area.

They represent ppl with limited capacity to deal with situations such as the one you find yourself in now.

sar - I did do a quote to qualify it.

Thank you very much. So even if it's a Basic Bank Account no overdraft allowed current account the address is automatically available to Credit Ref Agencies ? So even if I were to become homeless / no fixed abode / it would be the last address ?

MBNA did not ( as I recall ) give any consideration to my reasons for DISPUTE at the time, (( I can not remember detail, were not necessarily logical / rational due to mental state (eg when in bi polar mania phase ) , some would have been - eg needing precise simple chronological detail of transactions charges interest and penalties ))

I wonder therefore if they would have kept the data ?

Thank you very much indeed for your help.

Conniff , thank you very much, and I'm sorry to be so stupid, but what do you mean , ?

Many thanks

You said you were afraid to do an sar so I quoted that and said use the post office.

Sorry, I did also quote cra, they will only send to confirmed address.

ok, So I can ask for mail to be sent to any Post Office ? And they must send the information there ? I didn't realise Post Office would do that, thank you.

try noddle have you a debit card at a known registered address [same as voters?

dx

I don't mean to be rude but attempting to hide is more likely to lead to a default judgment than following the advice we're trying to offer but which you're reluctant to accept.

We won't know what data MBNA hold until you've received it.

As for CRAs, a basic bank account is unlikely to be reported. However, these days even some utilities companies report. If you want to kid yourself that Arrow don't know where you are, how come Ross are still writing to your present address?

Last known address is valid for service of court documents. Even if you're sitting under a bush in the Kalahari Desert.

I strongly recommend that you contact your advocacy service. They will deal with any correspondence in accordance with your instructions. And deal with you in a non-judgmental fashion.

dx100uk = Thank you.

Are you suggesting I register with noddle using my current address which is used by the bank for the debit card account I have

OR register with noddle using a nominated post office address ?

I'm not sure what the benefit of registering with noddle is

since I just want to avoid financial institutions

and accept that any credit rating will always be bad until my death.

Can registering help me defend any court action by MBNA / Arrow/rossen/Moorcroft/miscellaneous debt collectors

too many to remember ?

you cant register on a cra to a post office

if you've a card registered an 'an' address

use that card & that address to try and get a noddle report.

the information it has will be EXREMELY useful to all your debt issues.

dx

Oleg, I don't think you're being rude at all, thank you for your kind consideration and advice.

If court documents are served at an address but I don't get them, how can I defend a claim I don't know about ?

I'm not sure I can deal with an advocacy service even if I could find one, but I greatly appreciate your advice, thank you.

I don't mean to be rude but attempting to hide is more likely to lead to a default judgment than following the advice we're trying to offer but which you're reluctant to accept.

 

We won't know what data MBNA hold until you've received it.

 

As for CRAs, a basic bank account is unlikely to be reported. However, these days even some utilities companies report. If you want to kid yourself that Arrow don't know where you are, how come Ross are still writing to your present address?

 

Last known address is valid for service of court documents. Even if you're sitting under a bush in the Kalahari Desert.

 

I strongly recommend that you contact your advocacy service. They will deal with any correspondence in accordance with your instructions. And deal with you in a non-judgmental fashion.

Good advice above.

You need to work with an advocate that understands your condition.

You should be treated as a vulnerable debtor!

Oleg, I don't think you're being rude at all, thank you for your kind consideration and advice.

 

If court documents are served at an address but I don't get them, how can I defend a claim I don't know about ?

 

I'm not sure I can deal with an advocacy service even if I could find one, but I greatly appreciate your advice, thank you.

If they send court papers to an old address, you will not k now, they will "win" their court case via a default judgement. As you will not have updated your address with them you will find it very hard pressed to get the judgement set aside without expensive lawyers working for you.

You need to find an advocate that can help you.

dx100uk - thank you ,

but the debit card is registered at my current address,

but I haven't been in touch with a CRA for years ,

and so didn't want to confirm to them , that address,

since I assume they will REPORT the FACT that I have confirmed the address at the date I register,

and therefore may prompt both MBNA / Arrow and the other Bank who haven't been in touch about the overdraft for years,

not even to my old addresses other than to send a new card to that old address,

but not mentioning the outstanding overdraft.

I understand the logic is that I can't hide, but the fact is I can't pay ,

OR get fair treatment because I'm ( mostly, most of the time ) unable to effectively argue my case.

Best Regards.

because I'm ( mostly, most of the time ) unable to effectively argue my case.

Best Regards.

Which is why you need to find an advocate you can work with as your conditions mean you must be treated in a specific way to support you.

If you do seek and use that source of help, your creditors will take you to court based on your old address and get ccjs against you which means the life of the debt increases for another 6 years and then IF they find you they can apply to the court for enforcement.

In order to avoid that you need an advocates support to advise them of your mental health issues so they do not progress with court action. Depeneding on circumstances a good advocate might even be able to get debt written off.

I know this is not what you want to hear but I am trying to help you.

you are guessing/concluding wrongly.

your address will already be known.

it would be better for you to get your credit file

then check ALL of your old addresses are showing.

then look at what debts are there

you NEED to update your creditors that show.

IMHO you are in a lot better position to what you think you are.

once we know the fleecers that claim to own your debts.

we produce a letter to send to every one of them.

and then the matters might well end

dx