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goodfriend123

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About goodfriend123

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  1. They say that they are (quote) "varying the terms of your Credit Card Agreement". Are they allowed to do this?
  2. No, it doesn't show my account number nor the amount I am repaying each month.
  3. Sorry. I had the card since the 1990's. I lost my job due to disability in 2010
  4. I've been paying of the balance of my credit card with the Royal Bank of Scotland, paying an agreed amount every month by direct debit. I have kept up these payments without fail. I have now received a letter from them saying that they are increasing this payment to 2.5%. Previously I have filled out their forms detailing my income and expenses so they know I cannot afford the increase. Are they allowed to do this? Thanks for your help.
  5. Thanks for your help and, as suggested, I will contact FOS again. You are giving a great service - donation on it's way. Thanks again for your help, dx100uk and Stigman.
  6. OK. I'll go ahead with that. Two other points: They say in their statement (above) "Data subject requests under the Data Protection Act 1998 do not entitle a data subject to gain access to all documents ... which may be relevant to them." Is this correct? It seems a bit daft to allow firms to only supply what they like. I also paid MBNA £1.00 for a copy of my signed credit agreement as I wanted to read the terms that I signed for. MBNA said that, as they sold my account to Arrow Global, it was their responsibility. Arrow Global refused because "under sections 77, 78, and 79 of the Consumer Credit Act 1974 we are not obliged to supply copy documentation and statements when the agreement has been paid in full." (Needless to say, they didn't even refund my £1.00.) Is this correct? Many thanks for your help, which is greatly appreciated.
  7. I paid MBNA for PPI for 8 years. They knew I made a PPI claim but their insurance company refused to pay. Under their terms, the complete balance should had been paid because I am severely disabled. At the time they knew this case was going through FOS. Despite this, MBNA put me into default and sold my account to Arrow Global. I have read in this forum that it is against OFT guidelines to pass on an alleged debt that has no agreement and is in dispute. I have now won my case - their insurance company has finally paid off the outstanding balance in full. Therefore it was their own insurance company (St Andrews Insurance) that owed them and not I.
  8. MBNA sold my account to Arrow Global despite it being in dispute (FOS). After a terrible six (6) year battle with them, I won. MBNA's insurance company apologised for their "oversight" in writing but this still means that my credit rating was ruined, to say nothing of the stress, abusive phone calls etc over the 6 years for a debt I didn't owe. I want to get as much information as possible before going after compensation.
  9. I requested a SAR from Arrow Global: template removed - dx read out rules please} This morning, I received a thinner-than-expected package containing some computer printouts and some copy letters (not all I sent). Within was also their statement: Data subject requests under the Data Protection Act 1998 do not entitle a data subject to gain access to all documents they care to mention nor even to all documents which may be relevant to them. The purpose of a data subject access request is to enable the individual to check whether the data controller's processing of his personal data unlawfully infringes his privacy. It is not an automatic key to any information, readily accessible or not, of matters in which he may be named or involved. Therefore we have conducted a proportionate search for personal data relating to you. Can anyone tell me if this is correct. I wanted everything they hold about me, including correspondence between them and MBNA. Many thanks for your help.
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