Arrow/Restons claimform - old MBNA debt

[bja100]

Hi

So update as follows:

I received my SAR documents back from MBNA 2 weeks ago. This included a copy of my digital credit agreement I signed online.

 

I have just received (today) my SAR documents from Arrow Global. Point 1 of the notes says:

"Original signed agreement and terms - this is not personal data which we process in your case. You may be entitled to a copy of this documentation if you mae a request under the consumer credit act 1974"

 

I definitely sent them this CCA request the same day I sent the SAR?

 

Do I just sit this out or remind them?

 

Thanks

bja100

[dx100uk]

I have just received (today) my SAR documents from Arrow Global. Point 1 of the notes says:

 

 

you mean CCA?

[dx100uk]

oh I see sorry was on a small screen

that's strange.

did the cash the £1PO too

[bja100]

Hi

Yes I definitely sent the £1 postal order with the CCA for Arrows..

[Bazooka Boo]

Wait until it turns up, if it does.?

[bja100]

Hi guys

 

OK heres the thing - my financial advisor has said settle all my remaining accounts to get my credit rating sorted for buying a house in 3 years time.

 

However, Arrow (and Opus Cards) have yet to send me proof of anything, therefore what do I do? Just keep waiting this out? Problem is if this goes on for months, I am unable to get a mortgage.

 

Cheers

Ben

[Bazooka Boo]

Then your financial advisor is misguided.

 

Settling your accounts will NOT improve your credit file/rating/score.

 

Once a default has been placed on there, then there it sits until its sixth birthday where it will auto drop off, paid or not.

 

If arrow/opus have yet to supply you with the CCA, then you can place a notice of correction against the markers on your account to the effect that the accounts are in dispute creditor has failed to supply legally requested documentation.

 

IMO you would need to show at least three of four years of good credit history to even get a look in at a mortgage nowadays.

 

Was this your own independent financial advisor, or the banks?

[dx100uk]

sack that advisor.

 

 

waste of money

might as well burn it

the good it will do your credit file

 

 

dx

[bja100]

Tahnks for this info.

 

 

Yes arrow opus are yet to supply, do I just request experian/equifax to do this for me?

 

 

They are saying that the lenders need to put these markers on for me?

 

Independent.

[bja100]

Hello again

 

Experian have come back with this. What should I get them to add?

 

Thank you for your contact received on 26 February 2016

 

*Arrow Global Limited (Account started 26/09/2008)

*Newday Ltd (Account started 14/10/2008)

 

I am sorry to inform you that we are unable to add the statemnet you have provided as it may defame the compnay.

 

To help you with this, I’ve drafted an alternative statement for you to consider:

 

"I Mr .... would like to explain about the default accounts started 26/09/2008 and 14/10/2008. As to the best of my knowledge, I was not aware of the late payments and I believe I was not in receipt of any legally requested documentation."

 

If you’re happy with the above, please let me know and I can get this added for you. If not, please feel free to re-draft another statement and send this to us to take a look at.

 

If you still want me to use your original statement, please let me know and I’ll send it to the Information Commissioner for a ruling.

 

Alternatively, if you want, we can add the following standard dispute statement to your report:

 

"The consumer has disputed the accuracy of this entry. Given that this data is disputed, please take care if making an assessment of any kind that may include this data."

[Bazooka Boo]

"The consumer has disputed the accuracy of this entry. Given that this data is disputed, please take care if making an assessment of any kind that may include this data."

 

I would go with that statement.

 

''Defame the company'' I've heard it all now, see what I mean by CRA's and DCA's are in each other pockets?

[bja100]

I know, unreal!

Thanks

[bja100]

No word from Arrows on my CCA proof.

 

Opus have now come back with my SAR info.

It includes a CCA however it just looks like a print out of the terms

- no signature etc!

 

Should I start another thread for Opus?

 

Also what do I do about claiming all these charges once I've added them all up?

[dx100uk]

opus?

they are nothing to do with arrows nor mbna

is this a diff debt?

 

 

dx

[bja100]

Yes I have various

 

MBNA/Arrows

Opus Cards

Natwest

Quickquid (now PRA Group)

[dx100uk]

its always best to have a thread for each 'debt/issue'

[bja100]

Hi guys. I got my CCA information back from Arrow Global about 11 months back. Then I heard absolutely nothing until last week, they have sent me a letter threatening court action (from Restons Solicitors).

What should I do now?

[Guest]

is it a proper letter before claim, or a vague 'may' do

credit card or loan, when was the last payment

[bja100]

Can you tell me if this is vague or proper? I've blurred my personal details

 

It was an MBNA credit card.

I dont know whewn the last payment was,

I think it was 52 months back,

the default was registered on 30/06/2012 showing 8 missed payments

restons discount letter.pdf

[dx100uk]

Ignore it

Its a discount letter

 

Next one will be they are dropping the case

 

2 this last 10 days already

[bja100]

OK again thanks for your help

[bja100]

Hi again

A county court claim form arrived this morning from Northampton county court business centre.

What should I do now?

Ben

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**

 

Please fill this out

[bja100]

Name of the Claimant ? Arrow Global Guernsey Limited

 

Date of issue – 20 April 2017

 

What is the claim for –

 

1.The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and MBNA dated on or about Sep 26 2008 and assigned to the Claimant on Aug 17 2012

 

2.Partculars a/c no - XXXXXXXXXX

Date - 18/11/2015

Item - Default Balance

Value - 7984.39

Post Refrl Cr - NIL

 

What is the value of the claim? 7984.39

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card

 

When did you enter into the original agreement before or after 2007? After (Sep 2008)

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Arrow Global

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? I don't know

 

Did you receive a Default Notice from the original creditor? I think so but I can't remember as it was years ago

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure

 

Why did you cease payments? Got into massive debt problems and couldnt afford the payments

 

What was the date of your last payment? 20/4/2012

 

Was there a dispute with the original creditor that remains unresolved? Not that I'm aware of

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan?

Yes, I actually entered a DMP some time in 2012 for a number of months.

Yes I told MBNA many times about my financial problems.

[dx100uk]

so if you were in a DMP your last payment cant of been jan 2011?

 

you have the statements from MBNA go look?

 

dx