mbna cc fraud-thief - arrows now issued claim form***Claim Dismissed***

[geord1e]

hi

 

 

I am trying to get a little advise on how to deal with arrow global

 

 

I have asked arrow global for a copy of my cca and received a letter back saying they cant provide me with a copy

saying that they are not the original creditor

 

 

I am confused because I was led to believe if they took over the debt from MBNA

they were responsible for providing me with a copy of my cca

or do I need to write to MBNA for a copy of my agreement

 

 

who is responsible for providing me a copy of my cca

 

 

any help would be gratefully appreciated

[molly13]

Hi,

 

I belive Arrow should obtain it from MBNA.

 

Did you enclose £1?

 

If it is past the 12+2 days you should send them the 'account in dispute letter'. It's in the forum library.

 

Regards

Molly:-)

[PGH7447]

arrow are chasing you so they should contact mbna, after 12+2 days send the account in dispute letter

[harrassed senior]

Sent them this:

 

http://www.consumeractiongroup.co.uk/forum/content.php?419-Letter-used-when-a-DCA-refuses-to-comply-with-a-CCA-request

 

adding in the following:

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

[geord1e]

Hi and thank you for such a quick response to my post I

arrow returned my £1.00 fee after sending the cca request

saying that they couldn’t provide me with a copy of my cca

I then sent the letter of dispute to arrow after waiting the required amount of time 12+2 working days

they replied saying that although they still deny being the creditor

they will suspend my account until further notice

what does that mean to someone like me who has no idea how these things work and

should I contact them again

[geord1e]

arrow are chasing you so they should contact mbna, after 12+2 days send the account in dispute letter

 

thank you for your prom respose

[geord1e]

Hi,

 

I belive Arrow should obtain it from MBNA.

 

Did you enclose £1?

 

If it is past the 12+2 days you should send them the 'account in dispute letter'. It's in the forum library.

 

Regards

Molly:-)

thanks molly i had sent the account in dispute letter and have been told by arrow today that the account has been suspended what ever that means

[molly13]

Geord1e,

 

I might be tempting fate here,

 

 

my OH had a very similar situation to yours a few years ago.

No CCA was ever produced and the account was put in dispute.

 

 

Arrow passed the debt to a DCA and it eventually ended up with Bryan Carter Solicitors.

 

 

BC sent hubby a letter asking him for the details of any defence he would use if they took him to court,

obviously fishing for the Agreement.

 

 

My hubby then sent a letter back saying,literally, I'll show you mine if you show me yours.

 

Next thing was a letter confirming the account had been put on hold.

Hubby stopped paying and has not heard another thing from anybody since.

In fact his Credit Reference has not even been updated for years and is now very close to being statute barred.

 

So if I was you I'd ignore them until you get anything else worthwhile from them.

 

In the meantime you will get loads of help here should you need it.

 

Regards

 

Molly:-)

[rhos123]

thanks molly i had sent the account in dispute letter and have been told by arrow today that the account has been suspended what ever that means

 

no doubt you are on the dca merry go round! you have been SUSPENDED until the next **** dca send you a pay us now or else threatogram. only a judge has any legal powers. however the dca seem to think they are indeed the judge!

[geord1e]

Thanks a lot for all the help and information I have received in such a short space of time today I received this letter from global

Dear Mr. xxxxxxx

Debt owed to arrow global limited

Assigned by NBMA account number xxxxxxxxxxxxxxxxx

We thank you for your letter dated xx/xx/xx content of which has been noted

as stated in previous correspondence

“we do not accept that we are the original creditor,

the account has not become unenforceable by law.

We can confirm that all collection activity on the account will continue

but will remain on hold pending the provision of the requested document

where do I go from here any help would be gratefully appreciated

Edited October 21, 2010 by geord1e

[PGH7447]

you go nowhere, the debt still exists but until they provide the agreement they cant do diddly, so sit back and put your feet up

[geord1e]

Can I just say a big thank you to all the people who have given me help and advice I would recommend this site to anyone in future thanks again.

[geord1e]

hi

 

 

today i received a document from arrow global saying it was my credit agreement .

 

 

it just looks like an application for a credit card would it be possible for someone to take a look at the ocument and advise me and if so how do i upload it

Edited November 15, 2010 by geord1e
image to small

[PGH7447]

too small sorry

[geord1e]

how can i make the images larger ive tried putting the link but get the error message...To be able to post links or images your post count must be 20 or greater. You currently have 7 posts.

[geord1e]

any help or advise would be welcomed

[geord1e]

hi pgh7447 any advise on how to make the images larger

[PGH7447]

http://www.consumeractiongroup.co.uk/forum/content.php?315-Aaaarrrrgghh!!!-How-can-I-get-my-images-to-disply-properly-on-the-CAG-!!!!!-by-Huggy41

[geord1e]

thanks for your help ive followed the instructions but havent got the required number of posts to upload images

[PGH7447]

read other peoples threads and offer advice to get your post count up

[geord1e]

will do and once again thanks for all the help

[geord1e]

hi this is the copy of the credit agreement sent by arrow global would appreciate anyone who may have any help in these maters taking a look tell me what they think as I’ve been led to believe its only an application for credit not an actual agreement any help would be greatly appreciated

 

[geord1e]

this is the reverse of the document

[geord1e]

i value anyones opinions or help that you can give me

[PGH7447]

OK it say application form on the front, but it does contain the relevant T&C's on the reverse

 

couple of things though

 

Did you blank out the year?

 

where did you sign it, ie in your home in a shop etc? cause they did not obtain any ID to say you was you

 

did they send you details of how to cancel, which is what it says on the bottom of page 1