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Arrow Global / Drydens Fairfax - MBNA credit card

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I had an MBNA debt which has been passed on to Arrow Global / Drydens Fairfax & have been making regular payments since June last year.

 

Drydens have been a nightmare to deal with,

 

they are abusive & incompetent to put it mildly.

 

I have now received yet another threatogram,

 

this time they have enclosed an income & expenditure form to fill in.

 

They want proof of income, bank statements & any proof of benefits,

 

and if I do not return it within 2 weeks, they will consider further action to recover the debt, possibly court action.

 

Has anyone had any dealings with these people?

 

and am I leagally bound to return the I&E forms?

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they have no rights to your personal info tell them to shut up shouting this is how i sent mine back to cabot

 

 

 

img068.jpg


PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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tell us about the original debt please

 

WHY are you paying a DCA...

 

dx


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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Oh yes Fairfax before the amalagamtion with Drydens used to insist that there MUST be a full disclosure of income expenditure, benefits etc and then would claim the xxxx expenditure was above ''court guidlines'' but there was no court order that was nonsence.You have no obligation to provide ant information at all so send the following to the Compliance Manager.

 

Ref: use theirs.

 

Sir,

 

I am in receipt of your recent letter requiring me to complete an income/expenditure statement and to supply personal financial documents, I am sure you are aware that I am under no obligation to supply such private and sensitive data, which can only be demanded by a judge, therefore your request is denied.

 

You are also aware that a repayment schedule was agreed and in place with the original creditor, the amount agreed will not change, unless current fianancial conditions improve drastically, but thank you for reminding me to check the viability

of the level of my payments, which I now beleive may have to be reduced due to the increase in the cost of living.


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Thanks all,

original debt was MBNA credit card.

 

I was put on reduced payment by them & made regular payments.

 

Then out of the blue they sold it to Arrow Global.

 

Have paid approx £150 since last June, (currently paying £20 per month) to Drydens.

 

I am slowly payaing off all my debts & will increase payments in order of amunt owed as & when money available.

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you need to do some checks...

 

do aLL your debts SHOW on your CRA file?

 

have you CCA'd EVERYONE before you started to pay them?

 

have you ALL the statements to look at reclaiming [PENALTY charges & PPI]?

 

please list all your debts.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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