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OK thank you. Will do. Last question! Is the CCA valid and forceable?

 

Enforceable not forceable :wink:

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Its an online application which are normally watertight with the usual tick box as your agreement...however most online applications from that era usually sent a further hard copy agreement requiring your signature within a few weeks of the application being processed for return to execute the agreement.

We could do with some help from you.

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yup, think this was one of those ( I do recall the signature one) but guess I would never got the option to prove it.... outch well guess I ll have to see what they get back with... as no option to pay the full amount at once ....thank you :)

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Its not really a problem unless this becomes a court claim.

We could do with some help from you.

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  • 6 months later...

Hi all,

 

Cutting a long story short

 

I used to have a CC with MBNA which (like many others I had) got into default.

I am unsure how long ago the last payment was made.

 

I got a chase up form Shoesmith “solicitors” on behalf of Arrow Global asking for a SOA and a proposal plan.

Before I acknowledge the debt with them.....I was wondering what I should do?

 

What options do I have (I am not sure if it is statute barred) but I know (they have a CCA signed by me), do they have to prove they have the right to chase the debt?

 

Is there a template which can be used at all requesting to confirm that they “own” the debt etc?

Cheers

Edited by dx100uk
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you may have a signature on the CCA but does it have all the regulated requirements?? also you must find out the correct last payment/acknowledgement etc letter you should have received stating the new owners when it was sold?

:mad2::-x:jaw::sad:
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3 threads merged

please keep to ONE thread per debt.

 

so did you get that MBNA SAR back?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx100UK,

I did sent the SAR but have not received it back yet!

Asked MBNA and still not response .

..whilst I am awaiting for it I am also trying to figure out how I can push Shoesmith away (the whole thing is sending me back years)..

 

(if MBNA passed the account to a diff debt agency guess they would only have payment and information till then)> I found old statements and no PPI at all on it

 

silly question (and prob It is..) would it be worth to send a SAR request form Shoesmith? I know it is 10£ but at least I would know ALL they have got on me etc?

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you don't need to respond

await the sar.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx. I can wait but I asked the SAR from MBNA who do not own the debt, Arrow/Shoos are the ones chasing it..... Presume asking for a SAR from Shooosmith would not bring any benefits or could it achieve anything? (would they have to declare everything they got before any potential take me to court kind of thing?)

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SAR is only worthwhile to the OC at this stage

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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