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marco23

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About marco23

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  1. thank you DX, i have no scanner im affraid, if its a good idea i could pick one up tomo from ASDA or somewhere tomorrow ,is their any info you require that i can read off and post on this thread
  2. HI all just to update, it looks like the credit agreement has been found, today i have received a pack containing- (1) all staements (2) a default notice of which has no figures, example- This default notice is served on you relates to account number xxxx xxxx xxxx xxxx You have not paid instalments due under your agreement. You are £xxxx.xx in arrears in order to remedy the breach ,you must pay the total arrears of £xxxx.xx (3) credit agreement which is a photo coppy of the card application, it appears to be true and dated and signed any further input from anyone would be most welcom,thank you
  3. thanks DX.. .i have dissected it over and over lol and refered back to other posts on other threads,, they have bought the debt, they are going back in the hope they may find it with the OC?, in your opinion what would you say are the chances are of it being found as its from 2004?
  4. just to update, i have received a letter this morning from Arrow Global- We thank you for your letter and acknowledge your request for documentation pursuant of the consumer credit act 1974. We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested.We will now process your request for documentation from the creditor and will respond in due course. We confirm that all collection activity will be suspended pending provision of the documents. So i assume Arrow have not bought the debt and are collecting for either another DCA or indeed the origianol creditor in this case would be Marks & Spencer. not sure to as if this is good news that they have not produced it or bad news they may be going back to M&S,Can anyone chuck some light on it for me Many Thanks to all
  5. just a brief update, i received a letter off Arrow Global Ltd however i don't think its related to the CCA request although it may have instigated them to fall in line with procedure, its a statement from 1st April 19-31st August 19, nothing like this has ever come before over the last 6/7 years, i was not sure of the original date of agreement but its on this statement as 2004 so the account is older than i thought
  6. is been getting on for 6 weeks now since the CCA request went off to Arrow Global, , they have not responded, Moorcroft who were collecting the debt have had their payments ceased on the 9th August and nothing from them either , i was wondering if this is normal, seems strange not receiving a letter from Arrow saying either were looking for it or we found it or we have not got it. i would assume after 6 weeks they cant find it so is that it nothing more happens unless in the unlikely event it pops up.. thanks in advance
  7. thank you DX they are due to be paid £5 next week sometime so i'm going cease making payment, as you say my move is not next its theirs, either put up or shut up i suppose
  8. hi all and thanks in advance for everything, The CCA request went off on the 9th and the 12+2 time has elapsed and not heard anything from Arrow Global, i was wondering what is my next step?
  9. thank you all.il follow up when/if the paperwork comes
  10. ok yes that's IF they cant produce and i think a big IF,, if they do are my options in the previous post the best route to keep it out of CC tthanks in advance
  11. OK the CCA request has gone off in the post, now if Arrow Global cant produce this then that chucks up an alternative route to the problem, should they be able to enforce the debt 'with the CCA' then what route is best to keep it out of the County Court, i can only see an increase in payments would do the trick, my main objective is not to let it go to CC or worse even a charging order because this will make the wife ill again, so an increase in the monthly payment or an offer of full and final payment at say 50% of the debt
  12. thank you,, i have no reference numbers or account number to include on the letter so should i use the moorcroft client ref number and moorcroft reference (two dif numbers) and make PO payable to Arrow Global ltd
  13. ahhhh, i just checked the letter from Moorcroft and its headed Re: Arrow Global LTD (sorry i missed that) so at some point it must have left the hands of M&S, does this change things now??
  14. yeh their not getting that London, their not even getting a response, DX has given some valuable points and i thank you all
  15. i wont be sending anymore payments to Moorcroft and shall contact the OC to pay direct. i'm quite happy to make the monthly payments but was concerned as the debt is around 9K they may go for a CCJ then a charge on property, even those i could live with but 'i dont know' do they add interest on a property charge if so then that's when it gets scary, is it still not worth doing the CCA letter? the account was opened around 2007
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