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moorcroft now Arden, & old abbey/mbna credit card + reclaiming


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I have read other posts, but have difficulty following since my brain shrunk!

 

I am just about 69.= Old!

 

I thought it best to start my own thread.

 

I had an arrangement with MBNA, Who accepted token payments for a few months, following help and advice from CCCS.

 

Wife and I do have other creditors,

All have ripped us off in the past with Mis-sold PPI, both S/E,

 

Had they not done so, we would not be in the position we are now!

 

I am trying to get into claiming these back, but it seems that before I get into that,

I have to defend us against the likes of Moorcroft, and now Arden, my first question is, should I answer the phone to Arden?

 

Am I right in thinking I do not have to make a contract with Arden?

 

I have continued paying token payments to MBNA,

They have not asked me to stop!

I have had much treatment for Stress and mental heath problems caused by Banks and Debts.

 

Any advice to start me off gratefully received.

 

Regards Ro

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The communication from Arden, what exactly does it claim. That they are collecting on behalf of MBNA or have they purchased the account - claiming that it has been assigned to them?

 

You should make a start on reclaiming your PPI without delay.

 

Was the PPI applied to loans or credit cards ? Do you have all the paperwork in connection with these accounts.

 

To make a reclaim for mis selling of PPI, you need for a loan - the original agreement that identifies the amount of loan and PPI or statements.

 

For credit card reclaims you require the statements.

 

If you do not have this information - you need to send a Subject Access Request to the company you are claiming from this will cost you £10.00 and you should be specifically requesting copies of statements but you are entitled to receive ALL data in connection with your financial history with a particular company.

 

If you have more than one account with one company, then you only need send the one Request and one £10.00. You will find a draft SAR letter in the CAG library, which is linked at the top of each screen.

 

Once you have all the information, we can help you with the reclaiming.

 

With regards to Arden if you can let us know what the letter says exactly then we can advise you on your next move.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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and quite correct

 

never ever talk on the phone about your debts

 

esp to any DCA - they have NO LEGAL POWERS

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thankyou for replies,

i have had tremendous help with PPI reclaims from ims.and others.

 

i have sent off the first one for small amount!

so i do know the process now,

 

however i had two replies from them re PPI,

 

one saying i am too late to claim,

 

the other said they are looking into it!

 

i did this smaller amount one to learn how,

 

in the meantime i have had these rather worrying contacts from Moorgate stating that the outstanding balance on my MBNA account

has been purchased by Britanica Recoveries S.a.r.l acting in the name of and on behalf of(Btitanica- Mortlake.) with a different account no!)

 

and from Arden! Who state =

 

Arden have been instructed by Moorgate Loan Servicing to recover an amount outstanding to them,

and they have assumed responsibilty for working with me to repay this amount and therefore all communication should be via them!

 

they also mention an Arden account number!

 

I am retired,

i had originally received advice from CCCS suggesting i pay a token payment to MBNA, which i am continuing to pay.

 

Regards Ro

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firstly PPI reclaims -they can never be 'out of time' so any rubbish they are sprouting about the limitations act & 6yrs is RUBBISH.

 

as for the MBNA stuff

 

if you are paying £1PCM to the OC [MBNA] then ignore them and keep doing that.

 

unless any of the little fleecers have BROUGHT the debt

[you would of have to of had a 'notice of Assignment' letter from MBNA first though]

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Thankyou Dx,

 

It seems the fleecers have bought the debt, Moorgate first, then Arden,

 

I finally realised that my token payments that i sent to mbna are reducing the total amount on the demand letter from Arden!

I was far too eager to bury some letters in the cupboard!

 

I had a FINAL DEMAND letter, so will i guess have to reply and include my correspondence from CCCS.and (hope) offer to keep the same token payments going to them,

 

If you can see any hurdles/obstacles that may pop up, Please let me know!

 

I may also have to consider Hardship route, because that is my situation!

 

following the theft of my money by the banks mis-selling PPI though have no idea as yet what the procedure would be,

 

Thanks Regards ro.

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Hi guys, I just seek another view!

the bottom line is that because of the banks behaviour, in basically taking our money from our businesses, by way of mis-selling PPI,

our businesses were put into a loss,

the PPI payments were not means tested, as any loans we had were,

 

The result of all this is that we are now being chased by the banks who caused the problem in the first place!

 

Then because of the difficulties caused, they then send the dogs i-e arden. in,

 

This has happened to millions of us of course,

and yet they still seem to get away with distroying peoples lives!

 

in any letters can i state the words stolen, thieved, mis approprieated.etc, etc,

 

or would this be (although fact) frowned upon? our heath has suffered, in the long term we may lose our home!

 

and still they get away with it! what can you say!

 

regards Ro

Edited by citizenB
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no thats libel

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thankyou Dx,

 

It seems the fleecers have bought the debt, Moorgate first, then Arden,

 

I finally realised that my token payments that i sent to mbna are reducing the total amount on the demand letter from Arden!

I was far too eager to bury some letters in the cupboard!

 

I had a FINAL DEMAND letter, so will i guess have to reply and include my correspondence from CCCS.and (hope) offer to keep the same token payments going to them,

 

If you can see any hurdles/obstacles that may pop up, Please let me know!

 

I may also have to consider Hardship route, because that is my situation!

 

following the theft of my money by the banks mis-selling PPI though have no idea as yet what the procedure would be,

 

Thanks Regards ro.

 

Hi Ro,

 

At this stage you need to keep up the £1 payments.

 

You say that you are in the process of claiming back chages and PPI payments. You must also continue with that.

 

You should also request a copy of of your credit agreement: the template letter is below.

 

Letter N - Ask your creditor for a copy of your credit agreement under the Consumer C

 

Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974

 

 

template removed

 

 

 

This letter needs to go to Arden, if they claim to own the debt.

 

You should also be asking for a copy of the letter of assignment, as you suggest that you have not had one.

 

Always deal with these people by letter, never by phone.

 

If you are sure that your current payments are being credited to your MBNA account, and Arden are accepting this, then there may be no assignment, or it is a simple assignment.

 

Vint

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Thankyou so much vint.

I was just about to send first payment to arden,

and point out that what they say about non payment, is not true!

and if they look at the balance the payments (sent to mbna) are reducing the amount,

 

I have a feeling that we are being rushed into this,

 

I see nothing wrong with continuing to pay once more to mbna,

giving us another month breathing space,

giving us time to take your advice and request a copy of our credit agreement:

 

Also I will send letter N….

 

sorry I’m a bit confused as to the two addresses,

 

the 2006 date, and also the account number mentioned,

 

should I put my account no?

change date etc?

 

Am sure this will be obvious to many,

 

But don’t want to get this wrong,

 

thanks Ro

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when did you takeout this card ro?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thankyou so much vint.

I was just about to send first payment to arden,

and point out that what they say about non payment, is not true!

and if they look at the balance the payments (sent to mbna) are reducing the amount,

 

I have a feeling that we are being rushed into this,

 

I see nothing wrong with continuing to pay once more to mbna,

giving us another month breathing space,

giving us time to take your advice and request a copy of our credit agreement:

 

Also I will send letter N….

 

sorry I’m a bit confused as to the two addresses,

 

the 2006 date, and also the account number mentioned,

 

should I put my account no?

change date etc?

 

Am sure this will be obvious to many,

 

But don’t want to get this wrong,

 

thanks Ro

 

Hi Ro,

 

That format is just the way it copies from the template, so it shoud read:

 

template removed

 

Hope this makes more sense.

 

Vint

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Thanks vint, dx,

Re PPI this was originally with abbey national from 2002,

transferred by them to mbna,around 2008,

titled on statements as=POSTED CREDIT INSURANCE FEES.

(no progress on PPI as yet, we are too busy fending off the dogs!

 

thankyou for clarifying template,

 

Vint, i was also thinking of sending all our CCCS Doc's plus the template letter re- comunicating in writing only,

no home visits etc. all at the same time,

 

i am wondering if i should send all that together with N letter& assignment letter,etc

 

Although i just realised we have got up to another month to send to arden, if pay 1 more payment to mbna now,

 

Thanks Ro

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I am assuming that it is beyond 6 years DX as MBNA have tried to convince the OP that he cannot claim PPI.

 

Vint

 

no ..... nothing to do with that.......there no time limit on PPI reclaims

MBNA know this.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks vint, dx,

Re PPI this was originally with abbey national from 2002,

transferred by them to mbna,around 2008,

titled on statements as=POSTED CREDIT INSURANCE FEES.

(no progress on PPI as yet, we are too busy fending off the dogs!

 

thankyou for clarifying template,

 

Vint, i was also thinking of sending all our CCCS Doc's plus the template letter re- comunicating in writing only,

no home visits etc. all at the same time,

 

i am wondering if i should send all that together with N letter& assignment letter,etc

 

Although i just realised we have got up to another month to send to arden, if pay 1 more payment to mbna now,

 

Thanks Ro

 

cant see any point in sending a cca request

though for the sake of £1 it wont hurt.

 

they wont have one anyway.

 

as for sending any of the CCCS stuff i'd again not bother.

 

ignore the fleecers and get on with the PPI reclaiming and p'haps unlawful PENALTY charges.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks Dx

i understand what you say,

it is alarming when arden send threatening messages on answer machine,

or by letter saying it is not acceptable that i do not pay anything,

when in fact i have never missed a payment to mbna,

 

they seem very anxious to get me to pay something to thier own account number!

 

i feel if i start to do so, it would appear to them that i accept thier account number,

causing us more problems for ourselves in the future!

 

they are annoyed that i will not pay them,

 

i am worried what they will do next!

 

regards Ro

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they can threaten all they like bet they dont OWN the det anyhow

 

can you get you CRA file please?

 

see below

noddle is free

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks Dx, will look at that later,

in the meantime i am calculating how much PPI they owe us!

 

i asm using the cis sheet, but have come to a problem,

after 66 lines it states #VALUE!

 

so i seem to be stuck now less than half way through!

 

this is password protected and i dont know the password,

or how to move it down!

 

Any advice please,

 

Thanks Ro

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you entered something wrong in the three cols for that month.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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for what?

 

what spreadsheet are you using

 

if its a credit card you use the fosrunning sheet and their int rate they charged you

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx, i am using cis sheet ( 1. xls ) i belive, is that the right one? it appears that mothly rate for card purchase, cheque, money and balance transfers. cash is 2.5292%

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unless you are going to go to court i'd use:

 

This third spreadsheet is a calculator that will work out a fos based PPI award on a Revolving Credit Account such as a credit card. It will also work out the additional 8% interest awarded where the account moves into credit as a result of the removal of the PPI from the account. Be aware that you will need ALL of the account statements for this spreadsheet to give the correct result.

 

FosRunningPPI v101.xls

 

 

and * that monthly apr by 12

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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