Hi all

I got in a lot of debt trouble 5 years ago.

I managed to negotiate full an final settlements with all but one - MBNA.

I've moved 4 times since then and they never caught up with me.

Out of the blue I received a letter from Restons Solicitors acting on behalf of Arrow Global, who apparently own the debt now.

The amount is £7,984.39

I am about to send a SAR and a CCA to Arrow Global.

What should I do otherwise?

Also what sort of F&FS would they offer me now

- part of me just wants to get this off my back but obviously if I can string it out or fight it I want to.

Thanks

Ben

CCA arrows but see below

sar to the ORIGINAL CREDITOR.

when was the last time you paid anything on this?

or used the card?

Hi Thanks for your help with this

Last time I paid was 4 years ago during a debt management plan that I had for about a year.

The card I used it 5 years ago but not sure.

Do I send the SAR to MBNA who were the original creditor?

Yes

OK I'd send the CCA request to arrows as well

Sign the sar and read the full thread regarding past addresses

Do not sign the CCA request

OK I've sent these off today.

How do I read about the options available to me in terms of settlement?

Should I send in an offer?

Why?

So the debt has been proved enforceable??

Dca's are not baillifs

And have no such legal!powers!!

Dx

I guess it hasnt been yet, until I have all the documentation.

I know that Arrow Global definitely bought the debt though.

I just need to be patient

Hi dx

So I got my first response from MBNA directly, in response to the SAR and CCA

but they have sent me documentation about an old loan I took out on 2 September 2006.

This loan was settled and never defaulted.

On the CCA I specified the credit card 'VISA' and the last 4 digits,

along with all my previous addresses I could remember.

What should I do as they havent provided me with the VISA card CCA etc

Ben

Dont do anything...they are in default of your legal request...and until they can comply they cant enforce the agreement.

Regards

Andy

Have I given them enough information to find my credit card agreement and related personal data?

Also what do they have to provide me - a photocopy or scan of the agreement?

If you have used our template and quoted the account number in question...then thats all you can provide and completes the legal request.

Photocopy...microfiche or even a reconstituted version.

Andy

Got 4 letters back from MBNA this morning.

Each saying they've received my SAR and CCAs for 4 different MBNA accounts

- even though I only asked for the 1 Visa account.

All say up to 40 days to respond.

Arrow Global yet to respond.

Does this mean the legal action will be held until both get back to me?

what legal action?

there is none...

they sent you a threat-o-gram

read it properly

it does not say WILL anything.

as long as you sent arrows or restons a CCA request

until or unless THEY reply with an enforceable agreement and all the correct T&C's required

they cant do anything.

2 letters back from MBNA

Re SAR

Standard 40 day letter

Re CCA

'As your debt was transferred to arrow global we have forwarded your request to them. They should send the response to you. Any further queries please contact them'

Thoughts?

we never said send the CCA to mbna anyway...

Oops oh well

Hi guys

Small development - I received my SAR information back from MBNA, a bunch of stuff including a copy of the original credit agreement (its a tick box signature as was done online).

Do you want me to put any of this SAR online to view?

Still nothing back from Arrows which I assume is what I'm waiting for?

as post 13

whatever mbna sent you, you keep quiet about

any PPI any penalty charges?

dx

No PPI but loads of overlimit and late default sums (£12)

Start adding them all up!

17 X £12 = £204

Also there are 2 more accounts to come from MBNA from other cards/loans I've had over the years so will be lots more charges! Sorry if I am asking questions that are already answered on here, but is there a time limit you can request charges back from?

pop them in this

each one on its own rew.

put their in raThis second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that fos will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitution is claimed.

CISheet v101.xls

te in cell d15

Haven't heard anything from Arrow Global since I sent the CCA and SAR there - do I wait for the 40 days to expire before getting onto them again?

Thanks

Yes they have 40 calender days in which to send you the SAR, they have 12 + 2 working days to supply the CCA.

You sent the correct payments for each?

You do nothing until they respond, unless they fail to supply the SAR then you report them to the ICO.

Who did you send the SAR too? MBNA?

the sar is back and dust to/from MBNA

arrows had 12+2 working days to reply to the CCA

if they'eve yet too

and the deadline has passed

then you do nowt bar stop paying them

if you ever were.

dx