Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Arrows/moorcroft and old MBNA debt

    Dear Members
    I have read many threads on this particular company, history i have a MBNA debt
    9517.49 STARTED 2010 DEFAULTED JAN 2012 debt passed as follows, i am paying Payplan and have done for over 6 yearsicon at present

    DEBT PASSED BETWEEN COMPANIES BELOW
    8/6/2010 MBNA
    2012 BRITANICA
    8/2/2012 PARAGON PERSONAL FINANCE
    15/11/2012 ARROW GLOBAL
    15/11/2012 MOORCROFT GROUP
    06/10/2015 ARROW GLOBAL GROUP
    MOORCROFT GROUP 6/10/2015
    MOORCROFT 9/6/2016

    I telephoned MBNa they said they have no paperwork .
    i CCA them today and SARicon.

    The debt has passed as above through several companies .
    I have sent a CCA to Moorcroft along with a GDPRicon article 15,
    sent 25th May 2018.

    Response form Moorcoft as attached

    They acknowledge receipt of GDPRicon and confirm they are just an agency I should contact Arrow global Guernsey,

    I have reported them to the ICOicon, they send me letters so they have my data.

    just received this attached in post today .
    Please see attached letter received today,
    notice they acknowledged my CCA,
    but clever wording,
    advice please
    thank you in advance

    Attached Files

  2. #2
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    Default Re: Arrows/moorcroft and old MBNA debt

    seems like you've been playing pointless letter tennis
    all those companies listed are all owned by arrows
    so its not been sold on endlessly.

    Moorcroft don't buy debts
    they merely chase for their named client...arrows

    so little point in sending silly GDPRicon letters and reporting them to the ICOicon
    they've don't nothing wrong.

    if 12+2 working days have elapsed since CCA
    then simply cease payment

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  3. #3
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    Default Re: Arrows/moorcroft and old MBNA debt

    moved to mbna forum and retitled

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  4. #4
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    Default Re: Arrows/moorcroft and old MBNA debt

    Thank you so simply stop paying ?
    and they have no legal right to chase me ?

    Did you read the letter ?
    they word the letters differently,
    is it a tactic they are not seeking to enforce an agreement,
    only asking for payment towards the debt

    For the interest of fellow Caggers, I've done the GDPRicon for several reasons.

    The letter i send ref GDPRicon is very intensive and goes into 8 pages its a nightmare to any company that receives the letter

    1. i want them to respond which is hassle

    2. they have done something wrong they refuse to respond, they have my details thus they have my data.

    3. i have the right to be forgotten

    thank you in advance

    To me its the hassle factor for these companies, they depend on people giving up.


  5. #5
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    Default Re: Arrows/moorcroft and old MBNA debt

    Not sure where you are getting all this from
    You dont have a right to be forgotten you signed a consumer crediticon agreement read its t&c's

    As for chasing you

    They have every right to do so
    No such as illegal its not criminal its civil
    They as the creditor or representing their client the creditor can ask for payment
    You equally can ask them to go away.

    That 8 pages letter went straight in the bin

    Sorry you are sounding rather freeman of the land to me as well

    Simply ignore until/unless you get a letter of claimicon

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  6. #6
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    Default Re: Arrows/moorcroft and old MBNA debt

    hi No not a freeman of the land my apologies if i have come across that way, just doing a lot with GDPRicon article 15 work, thank you for replying.


  7. #7
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    Default Re: Arrows/moorcroft and old MBNA debt

    Ok

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  8. #8
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    Default Re: Arrows/moorcroft and old MBNA debt

    I KNOW THIS IS NOT CORRECT SITE BUT YOUR SYSTEM WONT ALLOW ME TO POST AT THE MOMENT? BUT TO HELP OTHER CAGGERS UPTO DATE ADDRESS FOR RBSicon SARs

    Subject access requesticon TEAM
    2nd Floor
    Drummond House
    1 Redheughs Avenue
    Edinburgh
    EH12 9JN

    e mail sarqueries@rbs.co.uk

    tel 0131 523 2750


  9. #9
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    Default Re: Arrows/moorcroft and old MBNA debt

    Dear members
    Received this letter today from moorcroft original debt MBNA 8/6/2010, should i stop paying outstanding debt to payplan 9545.09, thank you

    Attached Files

  10. #10
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    Default Re: Arrows/moorcroft and old MBNA debt

    Moorcroft are not the Data controller.....the clue in their letter is " Client " IE Arrow....Moorcroft are Ambulance chasers

    We could do with some help from you

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  11. #11
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    Default Re: Arrows/moorcroft and old MBNA debt

    Moorcroft are after commissions only if they are lucky to mug somebody

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  12. #12
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    Default Re: Arrows/moorcroft and old MBNA debt

    thus stop paying them ?


  13. #13
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    Default Re: Arrows/moorcroft and old MBNA debt

    yes!!
    and anyone else that fails it!

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  14. #14
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    Default Re: Arrows/moorcroft and old MBNA debt

    Quote Originally Posted by andy023 View Post
    thus stop paying them ?

    your 1st clue ---- yes

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  15. #15
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    Default Re: Arrows/moorcroft and old MBNA debt

    thank you


  16. #16
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    Default

    Hi group
    Just received this from my SARicon to mbna a load of documents but only the attached as my CCA, this is the one of the debts being claimed by moorcroft 9516.34.

    i would also like to add i am paying 1 month to this debt with Payplan.
    Would it affect my credit file if i stopped paying the 1

    thank you

    Also Arrow letters

    With the above i have paid 1.15 since 2012 , thank you

    Attachments Pending Approval
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  17. #17
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    Default Re: Arrows/moorcroft and old MBNA debt

    Its already defaulted

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  18. #18
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    Default Re: Arrows/moorcroft and old MBNA debt

    Hi dx100uk
    Please explain forgive my ignorance it has defaulted and now not showing on my credit file, show your saying the DCAicon can not pursue


  19. #19
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    Default Re: Arrows/moorcroft and old MBNA debt

    Still no sign of the agreement you requested then ?

    We could do with some help from you

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  20. #20
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    Default Re: Arrows/moorcroft and old MBNA debt

    NO just the MBNA CCA above no signatures, but the debt has been passed on that many timesDEBT PASSED BETWEEN COMPANIES BELOW
    8/6/2010 MBNA
    2012 BRITANICA
    8/2/2012 PARAGON PERSONAL FINANCE
    15/11/2012 ARROW GLOBAL
    15/11/2012 MOORCROFT GROUP
    06/10/2015 ARROW GLOBAL GROUP
    MOORCROFT GROUP 6/10/2015
    MOORCROFT 9/6/2016



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