is this a valid cca? MBNA for my alliance and leicester credit card

[Alphageek]

You could try and adapt the one I sent to Yorkshire Bank.

[msowing]

You could try and adapt the one I sent to Yorkshire Bank.

 

Thanks Alphageek

[msowing]

Well Arrow Global has been quiet for over a year.

However today I received a letter from First Revenue assurance saying that they are collecting on behalf of Arrow Global.

 

The letter says

 

"After conducting numerous searches through a variety of different sources we beleive you are residing at the above address. It is vital that you act quickly to resolve the matter below.

Your file has been passed to First Revenue Assurance from Arrow Global LLC with instructions to recover the outstanding balance of xxxx.xx in full.

We are instructed to report non-contact, or failure to pay our client along with recommendations on how to proceed. If you do not take action to resolve this matter immeditately, our client may commence legal proceedings.

Successful Legal action may hinder an individuals ability to obtain future credit or a mortgage

Litigations costs are usually payable by the debtor

Application for an attachment of earnings order or earnings arrestment payable direct from your current or future employer".

Then it goes on to say how to pay.

 

The last I heard from anyone was fredricksons last year when they said they were acting for Arrow. I sent them a CCA with £1 and heard nothing back.

 

First of all I havent moved so why they say they had done searches to find me has got to be complete rubbish.

Id like to see them make an attachment of earnings order too I am on carers allowance.

 

Do I send First Revenue a proof it letter or a bemused letter (or both)?

[msowing]

Hi

Hope everyone had a lovely Christmas.

 

I could use some advice on what to do please.

 

I received a letter from Arrow Global on Christmas eve saying that they were representing First Revenue Assurance. They had enclosed a copy of the agreement that is on my first post and a newly printed one [which was not in my SAR bundle] which is an MBNA agreement which they have just added my name and address to but it is not signed nor is there a place to sign it. The charges are £12 [mine were £25 in 2003] and the interest rate is the current one 24% [mine was 15% I beleive when I opened account]. Also mine was an Alliance and Leicester Card so how can send an MBNA agreement? MBNA didnt take over Alliance and Leicester until 2006 I believe.

Arrow Global have said they have sent what I asked for so now pay up in full but I am to pay First Revenue not Arrow Global, but I never asked for anything from Arrow. I sent First Revenue a letter back in Sept telling them that Fredricksons had failed to respond to my CCA request back in Aug 2008 and I have still not heard anything from them.

I also had a letter back in June 2008 from MBNA saying that they had sold the debt to Equidebt [only I was told that the letter was incorrectly executed], so I am now very confused on who is collecting and who owns the account.

 

Anyone have any ideas on what to do now please? I could really use some help on how to respond to the letter.

Thanks in advance

[Huff&Puff]

Did you ever formally put this alleged debt into dispute? If so, send the "bemused" letter. All letter templates can be found here:

 

The Consumer Forums - Debt collectors

[msowing]

Did you ever formally put this alleged debt into dispute? If so, send the "bemused" letter. All letter templates can be found here:

 

The Consumer Forums - Debt collectors

 

Thanks Huff&Puff

 

Yes I did formally put it in dispute back in Feb 2008 but they just keep on sending [only now its not as often as it was]. I hadnt heard anything since Aug 2008 until they sent in Sept 2009. I also sent the bemused letter back in Sept., thats when they came up with the alleged agreements a few days ago. Their letter says this time if I dont pay they are going to litigation.

Will try the bemused letter again both to Arrow and First Revenue.

[Huff&Puff]

No, don't bother. If they won't take any notice of the bemused letter, simply report them to Trading Standards and the OFT. I wouldn't bother communicating with any DCAs any more, it's plain that they don't have an agreement.

[msowing]

No, don't bother. If they won't take any notice of the bemused letter, simply report them to Trading Standards and the OFT. I wouldn't bother communicating with any DCAs any more, it's plain that they don't have an agreement.

 

Thanks Huff&Puff.

Wont send them anything but will report them.

[msowing]

I have today received a letter from Arrow

 

I sent them a copy of the letter end of Dec 09 regarding the debt being sold to Equidebt[i know I wasnt to do anything].

They have written today to say that the letter is invalid as MBNA put they wrong account number on it [i never noticed that] and so therefore is in no way related the the debt they ae collecting. I only have one account though.

 

They gone to say they beleive the agreement complies with the statute and we intend to pursue payment of the debt. You have remedy available to you by way of applying to the court for the appropriate declaration. In the absence of any such declaration and/or notice of application for the same, we will pursue the action previously adviced. If any.

 

Anyone know what to do next please?

Thanks in advance

[msowing]

I have looked at my SAR again last night and I actually found the account number that Arrow says is invalid. It is on a printout sheet and is written as ''Conversion Account 4916 xxxx.

 

So does that mean Arrow cannot chase it? How do I reply to Arrow?

 

Also MBNA never actually issued a DN they threatened often but never ever sent one nor did they send a Termination letter. The last letter I actually had from MBNA was that they had sold account to Equidebt and that was in June 08.

 

I'd also like to know how Arrow got hold of paperwork when the account was supposedly sold surely MBNA should no longer have any of it and passed it over to whoever they sold account to [i didnt know they also kept a copy]

 

Im confused. What do I do next? If anything.

 

Sorry to be niave and a nuisence.

Edited January 15, 2010 by msowing

[Huff&Puff]

Don't do anything. By continually writing to them, you are just giving them more opportunities to threaten you some more You have several clear defences if they were stupid enough to chance taking you to court, so just get on with the rest of your life

[msowing]

Don't do anything. By continually writing to them, you are just giving them more opportunities to threaten you some more You have several clear defences if they were stupid enough to chance taking you to court, so just get on with the rest of your life

 

Thanks Huff&Puff.

 

Will ignore from now on.

[msowing]

Hi

Well its been over a year but Arrow Global Guernsey Ltd have now written but I dont quite understand the letter. It says

 

]MBNA have advised that this account was previously sold to Equidebt. MBNA subsequently repurchased the account and it was assinged to Arrow Global LLC, notice of the assingment pursuant to the Law of \property Act 1925 was provided to you on or around 27/06/2008. The account was then the subject of an intra-company transfer and notification of the assignment to Arrow Global Guernsey Ltd was sent to you on or around 21/03/2011.

We trust the above clarifies the ownership of the above account.

 

No it doesnt im afraid. Im confused. Firstly can they buy back the account and now who owns it??

 

Thanks in advance

 

[/size]

[steven4064]

Arrow Global Guernsey Ltd own it now

[msowing]

Arrow Global Guernsey Ltd own it now

 

Thanks Steven

 

Will now write to them to say that I have no income only Carers Allowance. Should I enclose an Income and Expenditure sheet even though it hardly seems worth it for £55 a week?

[Tootles1971]

I don't think I would tell them anything. This has been burbling around for several years and if they were able to do anything about it, surely they would have done so already?

 

Wait for more knowledgeable people to add their thoughts, but I don't think you have to respond with your income. If anything, I would suggest a "prove it" letter........

[steven4064]

I would write to Arrow Global Guernsey Ltd under s77/78 of the CCA 1974 and ask for a copy of the agreement and a statement of account for the alleged debt. See if than come up with something. Many of these companies buy batches of debts without the proper documentation.

[msowing]

I would write to Arrow Global Guernsey Ltd under s77/78 of the CCA 1974 and ask for a copy of the agreement and a statement of account for the alleged debt. See if than come up with something. Many of these companies buy batches of debts without the proper documentation.

 

Thanks you again Steven will send it tomorrow.

[msowing]

I don't think I would tell them anything. This has been burbling around for several years and if they were able to do anything about it, surely they would have done so already?

 

Wait for more knowledgeable people to add their thoughts, but I don't think you have to respond with your income. If anything, I would suggest a "prove it" letter........

 

Thanks for that Tootles will do as Steven has advised then I will wait and see what they come back with. I agree I would have thought they would have taken more action if they could.

[msowing]

HI

Received a letter today from Arrow Global saying that they had received my CCA request. However they do not own the account [they said in they're last letter they did] and will pass the request on to the owner and have suspended the account while they wait for the paperwork.

Oh and dont contact Arrow again as Westcot are dealing with it for them and i'm to contact them from now on. Never ever had a letter from Westcot regarding the account so how am I supposed to contact them.

 

Will sit back and wait for they're next letter.

[steven4064]

Sounds like the usual confusion. So you have MBNA, Arrow and Westcot - none of whom apparently own the debt - could be interesting - only the owner can talke you to court