I don't know if this can be read or accepted by CAG! my last attempt was not! but just to say that i have yet another reply from Arrow, admiting they still cannot supply a copy of the documentation from the original creditor!! seems to me they are losing their bite! It is very tempting to state to them that if they cannot prove they have documentation i refuse to accept thier word that i must pay them! ( after all the threats harrasment etc.) any thoughts much appreciated they are still phoning of course! regards Ro

Hello dx. Happy new year to you and to all reading this,-Sorry for delay, (health problems again) The reply as follows from arrows = date 15-12-2014. Thankyou for your letter, passed for our attention as the assignees of the above account, we acknowledge your request for documentation pursuant to the consumer credit act 1974. We will now process your request for documentation from the originating creditor (i thought they should have already done this!) and will revert in due course, All collection activity will be suspended pending provision of the documentation, your payment of £1-00 is returned, I must admit this breather has been benificial to me! no further reply, But note that they still phone every day! which i do not answer! regards Ro

Sorry, a couple of things dx! the letter i had is from Arrow solicitors, wilkin chapman, had no account on! which i thought it should have? it had only their reference no! should i send to them or direct to AG? Ro

Many thanks dx for your help, i will do as you suiggest and update as soon as i know anything. Regards Ro

sorry dx, just to clarify, Yes it definitely states--arrow global ltd. ( LENDER) above my name! we continued to pay monthly payments to original creditor mbna, (originally virgin.) and ignored Arden, moorcroft, Arrow, etc.etc. mbna is not mentioned on the page, however it is mbna that we have continued to pay ever since. we made no agreement with anyone but MBNA regards ro

Thanks for reply, On the top copy, it reads my name, address, birth date, credit card, card no. xxxx xxxx account start 2006, opening balance amount= £12,898, payment frequency,= monthly. date of default = 30/09/2011, default balance £12, 898! regards ro.

Thankyou dx, i have actually got credit report! A lot of ok's, also a lot of df,s. but only to arrow! it appears arrow global ltd, took over the credit card from MBNA ! could you tell me if there is anything i can do next please. i don't want to be forced to sell the house, also i still have PPI claims to sort out! (which has caused many of the problems! i have now) regards ro

So sorry for not updating thread,! i had to beg and borrow to get another PC! To bring this up to date, my health has gone futher downhill. However this matter was apparently passed on to Arrow Global in Guernsey, who have now got Wilkin chapman solicitors to write to me stating a large amount! has been assigned to britanica recoveries! but also states our client would like to work with me to agree an affordable repayment plan to avoid the issue of legal proceedings! We have been paying the original company MBNA. on a regular basis as suggested by CCCS and have not missed a payment! They are closing in again, Any advice please? very gratefull, Ro

My son has been renting a 2 bed house for 18 months, Told by La, at start, that he can do whetever he likes in Garden decor etc, Now he has been given 2 months to vacate by Jan30th! 2014, =2 months notice! (He has wife and baby) unfortunately he had a work accident and has a broken foot! This means he will have to apply for Housing Benifit! He cannot yet find anywhere else to go, My question is, Can the landlord specify a date? or is it a fact that Land lord cannot force them out, (at such short notice) if they have nowhere to go? (as yet)Any advice much appreciated, Ro

Could someone clarify what these sentences on statements, actually mean please, bit confused! These relate to credit card agreements, one with Abbey, in 07, but i believe should be sent to mbna?The otherAbbey national 03, should also be sent to mbna? Please correct me if i am wrong! what is=Special cash interest? also. =posted retail interest? also.=posted cash advance fees? also =Other interest? also =posted credit insurance feesThankyou for any advice, regards Ro (sorry cannot add spaces for some reason!)Regards Ro

Hi citizenB, May i ask if any banks have contacted you as yet? mine have not! Regards Ro

Mike, Am having probs with BG, CAN I SEND A COPY OF MY REPLY TO YOU PLEASE, i would like an opnion?if this is allowed! Ro

Thankyou for your time Becky, Purple Sue, Miraculous i know! but he has actually found his P45, and on his own!Regards Ro

My son 35, Has been on benifits for sometime,Not his choice! he has finnaly been able to get a job,and started work today, He has reported this and stopped benifits, However he does not have a P45, Without a P45 he cannot be paid at the end of the week! Can anyone tell me how to obtain a P45 urgently please. Regards Ro

AOL headlines, The City watchdog has confirmed it is in talks with banks about potentially imposing a cut-off point for people to complain about payment protection insurance (PPI) mis-selling.The Financial Services Authority (FSA) said it had been approached by the British Bankers' Association (BBA) to discuss the potential for a time limit in return for the banking industry funding widespread advertising to raise awareness and ensure people know how to complain. Reports have suggested the deadline could be as early as May 2014 but a spokeswoman for the FSA said that no time limits have been pencilled in at this stage and discussions are still in their very early stages. The FSA said it would need to be convinced that the proposals are in consumers' best interests before anything like this were to happen. There will be no changes to its rules without a full public consultation, said the FSA. About £13 billion has been put aside by financial institutions to compensate customers for mis-sold PPI policies and the scale of the scandal continues to spiral beyond expectations.The FSA's statement said: " Our key priority is to ensure consumers are protected, so the FSA board would need to be convinced that any proposals would be in the interests of consumers. We have had initial discussions and are prepared to consider the merits of this and other options. A key consideration will be the potential to get compensation to more consumers, more quickly."The statement said the FSA will continue to hold discussions with the BBA as well as talking to consumer groups. It said: "No changes to existing FSA, or future Financial Conduct Authority (FCA), rules would take place without a full public consultation."Condemnation came from consumer groups as speculation mounted over the proposals earlier this week. Martin Lewis, creator of MoneySavingExpert.com, said previously that it would be "immoral" to put a deadline in place as early as next summer.Which? chief executive Peter Vicary-Smith said: "It's in everyone's interest to draw a line under this scandal and time limit cut-offs already exist for PPI claims." Before even thinking about a new time bar, the banks should be proactively contacting their customers and making it as easy as possible for people entitled to a legitimate refund to claim back their money, without any hassle

As i understood it, The banks were supposed to be contacting everyone, regarding mis-sold payment protection insurance! So looks like that is not going to happen! i am still waiting for them to follow up that announcement!

Hi guys, i have details of a new [problem] warning, that i would like to pass on to GAG members, However i have copied this, but because of a new printer i can only send it to an email address to be put in the correct place, The only other way would be to re-type the complete page, can one of the senior officials give me an email address to use please? Regards Ro

Thankyou you for that Vic, I.m back again, after a bit of a breakdown, also my pc packing up along with the printer, i am hoping to get back to sorting things out, Just to update recent events, Arden have apparently given up, possibly because i continued to pay MBNA and refused to pay them, and they passed my case on to Arrow Global, l still plan to pay to MBNA, The reason being, it was MBNA who took some of my income from my small business, by way of mis sold PPI, that money would have been re-vested in my business. However Because of thier actions i am now the one with a poor credit rating! They should pay me back my money, From Mis-sold PPI, to enable me to pay them back for the damage they have done to my business! Therefore i will tell Arrow Global the account is in dispute with MBNA! ps. i am trying to get my thinking back on track, it is taking time, i would be gratefull for any input or advise please,Regards Ro

Thanks for that info Deebee, i am only Retired! So guess that cannot apply to me, Santander have increased Thier Interest rate on my mortgage, up by another £55 per month! no way i can pay that, have signed up with CCCS for advice.Thankyou also Martin That letter may help too.regards Ro

Thanks for this info S-G1, locutus, i will start making some changes in the future, The immediate problem i have is getting back my microsoft word, i was part way through using system restore when screen came up with system 32 files missing, or similar! My main PC is an ADVENT, which come with 5 installation/repair cd,s which are created when the machine is new, in theory i should be able to get my P C repaired back to a previous date, with the cd's, however i dont have the confidence to do this, i do need another Hard Drive, fresh install, and think i will have to take it to a pc guy, i have so many important ducuments i cannot risk losing,However i recently saw a post from Coniff i think , about re-installing windows repair or update 'over the programs! using the number off the side of a pc, ! which would be the best option, but again no confidence, I think the damage done to my PC was probably self inflicted by downloading speedypc a divice manager, and mobile phone, programs, one of which had babylon, and failing to realise my back up drive was not working properly.unless i can magig back the system 32 missing files!which would be good if i could! Regards Ro

Thankyou for your help S-G1 that did do the trick ! sadly i think the damage had been done, i have been trying to prepare a new hard drive, as i knew mine was on it's way out, when i came to run the machine it will only show -system 32 file missing and a black screen, i have a new hard drive but it was a bit too quick for me and caught me out! so it's decision time, i have been using Xp, but wonder if there is a better system, chrome? firefox? any suggestions welcome guys please, my main worry now is all my letters etc on microsoft word, which are not replaceble! would anyone know if i can get these back? i am using a spare pc at mo, and my backup drive is playing up as well, Thanks again SG1 spot on advice! regards Ro

Apparently this is a nasty toolbar. that will not go away! has anyone experience of this, i think it downloaded with ATI! How to get rid? any advice please, Thanks ro

Thankyou for your reply Victoria, folks. i apologise for holding up the thread, i just can't handle it at the moment! no matter how hard i kick myself, i just cant seem to cope with it, I was ripped off by the banks and I/R. for many years, being S/E they caused the problems, i have to now try and sort it out! and i get people like arden to deal with! i have never phoned them! they have in fact stopped phoning me altogether! but i also had two rather confused letters, a few weeks ago now, however i have the view, that if the adder appears to be dead! still best not touch it! Sadly i cannot cope with PPI reclaims at the moment either, i may have to sell my home, and may need further councelling! Oh the joys of being S/E, all my working life! and now being retired! Regards Ro

Thankyou very much citizenB, No they have appear to have ignored that letter, so i will send It again, They appear to be a bit confused! sending 2 letters with the same date, one suggesting that they will accept any offer i care to make! (which to me appears that if i do so, that i am accepting thier Account No! from which i feel there would be no going back! ) The other a final demand! I will continue to pay my payment to MBNA. and see what they come back with. thanks.regards Ro

Thankyou so much for your reply V much appreciated, regards Ro