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Wilkins Chapman for Arrows. Claimform old MBNA card debt- Help


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Hi Guys,

 

I hope you are all well, and still fighting the good fight :)

 

Once again, I seek your help on behalf of someone else.

 

Attached is a copy of the letter from the above company.

A notice of assignment was received a few weeks ago.

WC were told, by e mail, that the person concerned didn't live here.

They sent one back saying that, as far as they are concerned, they do.

 

Roll on to yesterday when this arrived.

 

There is a brown envelope with the word ''defendant'' in the window, which I suspect is the court letter.

 

This account defaulted in April 2008 for around £6000.

 

I seem to recall in the past that Arrow offered a discount if this account was settled,

but my partner, following advice on here, ignored the letter.

 

 

Now this has arrived.

 

 

She is still at work, so I am trying to get things in motion for her before she comes home.

 

 

Any suggestions as to how to proceed with this? She is so close to it being SB.

 

 

Any help will be very gratefully appreciated.

 

 

Regards,

 

 

Buncrana

 

I should add that this is a credit card debt and that there is no CCJ against it, never has been.

 

 

Given the time that the card was issued, 2001, I also suspect that there are charges etc levied on the card before the default.

 

 

She was also paying it off through the CCCS, but due to various circumstances, this fell by the wayside.

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ok leave as be.

 

that'll be a claim form yes

 

have you got all the statements and the agreement

 

when was this card taken out

when was the last payment

 

if this is to do with the 'fraud ' of her other half

forging her sig in your other threads

 

then it needs to be exposed.

 

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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ok leave as be.

 

that'll be a claim form yes

 

have you got all the statements and the agreement

 

when was this card taken out

when was the last payment

 

if this is to do with the 'fraud ' of her other half

forging her sig in your other threads

 

then it needs to be exposed.

 

dx

 

I think this may be one of her genuine ones DX, but I don't suppose the ''he made me do it'' defence would stand :(

 

 

He was very manipulative.

 

 

There are no statements and no agreements. Hasn't been for many years, only lots of fishing letters at our two addresses.

 

 

She had to leave the marital home in a hurry, so a lot was left behind.

 

 

The first we knew about this was the NOA a couple of weeks ago. Up until then, I was able to fob them off.

 

 

Now this has come from Northampton :(

 

Ps, she was in hiding so to speak, for a few years, ex still doesn't know where she is.

 

Card taken out 2001, last payment 2008.

 

 

Defaulted in April 2008

 

Hi Guys,

 

 

Mrs B is just in.

 

 

It is the claim form.

 

 

I can scan and post if needed.

 

 

N9A and N9B are included.

 

Having had a quick look through other threads, should we CCA or SAR this?

 

 

Or should we send a ''prove it'' letter?

 

 

Now that the courts are involved, it raises it up to a new level for us. Neither of us have any experience in dealing with the court system.

 

Having had a quick look through other threads, should we CCA or SAR this?

 

 

Or should we send a ''prove it'' letter?

 

 

Now that the courts are involved, it raises it up to a new level for us. Neither of us have any experience in dealing with the court system.

 

Anyone?

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cca poss

 

you could sar the original creditor get everything

but that will not prob be returned until after the case.

 

you need to ack the claim using the id/password on MCOL site within 5 days first mind!

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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cca poss

 

you could sar the original creditor get everything

but that will not prob be returned until after the case.

 

you need to ack the claim using the id/password on MCOL site within 5 days first mind!

 

Thanks for that Dx.

Once we acknowledge,where do we go from there?

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Hi Guys,

 

 

Hope your Monday is better than mine just now :(

 

 

A quick summary of where we are.

 

 

Card taken out in 2001 through MBNA.

Last payment made via CCCS in 2008.

According to credit report, defaulted in April 2008.

She left marital home in a hurry in 2009.

No contact with ex, other than through solicitor since then.

 

 

Fishing letters have arrived, including ones offering discount, which makes me suspect that all is not well with the paperwork.

Docs posted by Northampton on 5th Jan, received Saturday.

 

But now that Northampton are involved, where do we stand with time limits for CCA's? Is it worthwhile sending a CCA request?

 

 

Is it worthwhile involving solicitor?

 

 

Any advice/help very gratefully appreciated.

 

 

Regards,

 

 

Buncrana

 

Ps, there has never been a CCJ on this account.

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you cant have 2 CCJ's

so until they get judgement if you don't defend this claim there not one at all.

 

have you ack'd the claim via MCOL?

 

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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you cant have 2 CCJ's

so until they get judgement if you don't defend this claim there not one at all.

 

have you ack'd the claim via MCOL?

 

dx

 

 

Will do it later today, haven't got the paperwork with me DX, unfortunately. Forgot to lift it this morning :(

 

 

Once the claim is acknowledged, what happens next?

 

Claim is for credit card bill.

 

 

If I remember correctly, failure to make payment.

 

Mrs B just sent the details through.

 

 

Defendant has failed to make payment in accordance with the agreement and default notice has been served pursuant to the consumer credit act 1974.

 

 

Will acknowledge now.

 

Logged on, do I go for AOS, or one of the others?

 

 

Sorry guys, very novice here, never done this before :(

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Yes just acknowledge for now.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

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Having read it through, is the AOS the best one? That would give her more time to get the CCA sorted out.

 

Yes just acknowledge for now.

 

Sorry Andy, yours came through as I was typing :)

 

Do I click on:

Defend all of claim, or part of this claim?

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You submit your defence by the due date

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

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or lack of one.

 

when you get home do the following:

 

scan up the PoC EXACTLY as it appears on the claim form.

 

get a CCA request off to wilksis

get a CPR 31:14 off to Wilkins

 

can you also get ahold of a copy of her credit file.

 

make SURE all her addresses show

and that all her names are showing.

 

then see if then debt shows.

 

.**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

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'll start doing that now :)

 

Hi Dx,

 

It does show on her credit report from May 2013.

 

Report as follows:

ARROW GLOBAL LIMIT...

 

 

Credit card / S...

Default

£6kish

 

24/02/2013

ARROW GLOBAL LIMITED

Entry Number: | Account Updated to: 24/02/2013

Name:

 

Address:

 

Date of Birth:

Account Type:

 

Credit card / Store card

 

Started:

 

30/08/2001

 

Current Balance:

Default Date:

 

30/04/2008

 

Default Balance:

 

I think that's everything. If I've missed anything, please say.

Apologies if this isn't up to standard, I'm not very good with high technology :)

 

Ps, only address flagging up with Arrow is the former marital home. Our current address does show for a couple of other things.

 

Just been reading through the CPR 31.14 letter, that is quite a powerful piece. Well done guys for coming up with that :D

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so default date 04/08 not sb'd either

 

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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Share on other sites
so default date 04/08 not sb'd either

 

dx

 

Unfortunately not DX, very close though, hence the reason for the sudden chasing.

 

 

Everyone, thank you for your help so far :)

 

 

Both letters now printed and will be sent tomorrow :)

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  • 4 weeks later...

Hi Guys,

 

 

The letters were delivered and so far, one response has been received and that was from Wilkins.

 

 

I'll type it out verbatim.

 

 

''We acknowledge receipt of your letter dated 13th January 2014. We can confirm that we will request that our client obtains a copy of the agreper your request.

 

 

We can confirm that our client will need to obtain these documents from the originating creditor and therefore it may take up to six weeks for us to obtain the documents.

 

 

Please be advised that we will agree to an extension of 14 days from the date we serve you with the requested documents to file your defence.

 

 

We will refer to you once the documents have been received.''

 

 

As of today, 5th Feb, we still haven't received them, but once they arrive, I'll seek your advice.

 

 

I still suspect that there will be a multitude of charges on this account and possibly PPI.

 

 

Should we wait until we receive the documents before reclaiming this?

 

 

Regards,

 

 

Buncrana.

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oh dear going to court without even having the paperwork...naughty

 

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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oh dear going to court without even having the paperwork...naughty

 

dx

 

 

 

If I read you correctly Dx, does that mean that they should never have been near Northampton then?

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hoping to sneak through an unchallenged claim

and get a judgement by default.

 

saves money not bothering to get the paperwork

 

we don't need to we'll just fleece the debtor 'cause they know no better.

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 months later...

Hi Guys,

 

It's been some time but Wilkins Chapman have sent a letter.

 

I'll type it out verbatim.

 

''We write further to our letter dated 17th January 2014

and can confirm that the document request is still being processed.

 

We apologise for the delay in obtaining these documents and will provide these as soon as possible.

 

Please be advised that we will still allow a 14 day extension period f

or you to provide your response once we have served the same.''

 

Now I'm a bit concerned that almost four months later

they still haven't come up with the relevant paperwork.

 

Also, from what I can see, this becomes SB on 30th April,

or did that go out the window when the MCOL went through??

 

Any advice on how to progress with this, or should we just sit tight?

 

Thanks in advance,

 

 

Buncrana

 

Just been reading through some other threads on this crowd,

seems there are very few that are complimentary about them :)

 

Should we SAR MBNA on this?

 

Having spoken to herself, it seems there may be a load of late charges applied to the account.

 

Ps, just being trying to access the MCOL site,

but using the password and e mail address provided,

we can't get in.

 

Is the site time restricted, as in if you don't access it within a certain time, you can't?

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