Cheers Citizen, there is no time limit in the letter. The IE I did with MBNA was by phone and unfortunately my situation is worse now than then. MBNA will have those figures somewhere I assume. Should I just sent Shoosmiths a letter saying my circumstances are the same / worse then they were when agreement was put in place? It doesn't look like MBNA are very forthcoming with documents as I am still awating default notice etc

Cheers Mike. They have not shown any cards at the moment and I thought the Estoppel rule stopped them doing that. I will not do anything at the moment

This arrangment was made before account was sold, you there Citizen

Now received letter from shoosmiths advising they will send copies of Default, Notice & deed of assignment when they receive it. They are asking for a copy of the letter from MBNA regarding the £0 arrangment and have stated this wouldn't not be for an indefinate period and have sent an income and expenditure form to fill in. They want this back in 10 days. What do you think?

Have sent that letter off, cheers Citizen. Unfortunately my situation has not changed so they will have to carry on with my payment arrangement of zilch !!

Sorry Citizen cannot see the woods for the trees, will send thst letter off 28 days after I received Shoosmiths last one

Any chance you could send me the draft letter please, many thanks

Now received letter from 1st credit saying they have adhered to Consumer Credit (Cancellation Notices & Copies of documents) Regs 1983 apply. Reg 3(2) various info can be omitted such as signature box, signature and date and creditor is only obliged to send out a generic copy.They did not know about the £1 per month agreement with OPUS and have put aco**** on hold. Andy advise please

They only said they would send a notice of assignment, chose to ignore everything else I asked for. I would imagine they think they have sent the agreement although it is dodgy to say the least. Do you think I should reply to them

Many thanks CitizenB any advise would be welcome. True they cannot get blood out of a stone. 5 years ago I never had any debt at all but alas times have changed

Just had a letter from Shoosmiths saying Arrow have done nothing wrong purchasing the debt. They have gived me another 30 days and advise I contact step change debt to sort out a plan. What do you think

Brilliant, many thanks. i will keep you posted how this transpires

Cheers, read it sounds pretty good to me. I was thinking of still defending as a unenforceable CCA but now this quaint rule of law looks inviting. I will await your further advice thanks

Cheers, yes I have the letter, this was in 2011, never heard anything else from MBNA. Next I heard at the end of last year was from Arrow to say they had bought the debt. Yes I was sticking to that payment plan and will happily stick to it for years lol. What do you think I should reply to shoosmiths now as I think they may prove enforceability on CCA

Will send SAR off to MBNA. Any advise on estoppel. I have a letter from MBNA saying my payments are reduced to £0. I thought a DCA had to honour this

I never heard anythin from MBNA until I received a letter from Arrow in December 2012 saying they had purchased the debt

There was no PPI, debt is for £9k, have not sent SAR off yet. had a letter from MBNA stating my payment plan had been reduced to £0 in 2011. I phoned them as I was made redundant and could not afford to pay, so they made that offer. I thought estoppel meant the new purchaser of the debt ie Arrow had to honour this agreement. What should I reply to Shoosmiths, cheers.

Hi My old MBNA credit card was sold to Arrow. Received a letter a while ago from Shoosmiths (acting for Arrow) demanding payment. I asked them for true copy of CCA. They have sent back a "dodgy" agreement no signatures and a copy of my original application which has my signature on. The interest rates on the application and the agreement are miles apart. I have now received a letter saying litigation will start in 7 days. The original application was in 2001. I also had a payment agreement with MBNA in 2011 of £0. I have heard of BOCBS and estoppel. Any advice please. Debt is not statute barred

Hi1st credit have told me they are about to issue a Statutory Demand (I have no reason to believe they wont after reading numerous posts) Could you please advise what to do regarding this being set aside.I have not received a default notice.I asked 1st credit for a true copy of the CCA. They sent a dummy CCA with no signatures. (Original card was with Citi pre April 2007) This was sold to opus who have now sold to 1st credit. I did have a payment arrangement with OPus of £1 per month. Is this estoppel??

Cheers dx. After reading the posts about 1st credit / connaught it does seem highly likely they will issue a SD. Attached are the forms required to set aside. Any advice what to say on them please

So if they try for a SD with the agreement they have sent me, I can apply to have it set aside as the agreement is not signed?

Not seen my file, last payment last year of £1 per month to Opus (they set up a plan until they sold it)

Exact wording says The offer of settlement will be available for 21 days until the point that a statutory demand has been issued by Connaught collections. In the event you do not respond to this letter you will be contacted by Connaught collections who will be managing the bankruptcy process on your account. If they do issue SD can I apply to set aside due to the ongoing CCA dispute?

Exact wording says The offer of settlement will be available for 21 days until the point that a statutory demand has been issued by Connaught collections. In the event you do not respond to this letter you will be contacted by Connaught collections who will be managing the bankruptcy process on your account. If they do issue SD can I apply to set aside due to the ongoing CCA dispute?

Hi dx, I sent a letter yesterday to 1st credit politely tellling them the agreement they sent was a pile of cack and did not satisfy the CCA 1974. said "the document that you are obliged to send me is a true copy of the executed agreement that contains the prescribed terms, all other required terms and statutory notices and was signed by both the original creditor and myself as defined in s.61(1) of the CCA(1974) and subsequent Statutory Instruments .Since this document does not contain the required prescribed terms it is rendered unenforceable by s127 (3) consumer Credit Act 1974 I have received another letter from 1st credit this morning (Obviously not received my letter yet) offering a 5% discount if I pay within 21 days until the point that a SD has been issued by Connaught. Should I reply to this