Arrows/Restons claimform - 2007 MBNA card debt

[M3kek]

Hello

I received a letter from Restons a couple of weeks ago regarding a debt from Arrow regarding a credit card.

 

I sent the £1 request for details and have now recieved a letter back

saying they are ignoring my request as the letter has not been signed

 

Can they do this or do they want to lift my signature to paste it on documents

 

Thanks

[martin2006]

There is no legislation which states a CCA request must be signed.

 

Theyre lack if co operation is actually in your interests as they are refusing to comply without grounds.

 

The CCA however, should have been sent to arrow and a CPR 31:14 to restons.

 

Am i right in thinking you have received a claimform?

 

If you have please post the info regarding it minus any personal stuff.

There is a link to help with this but as im on my phone atm i cant copy it in.

[M3kek]

Never got anything from Arrow just a notification letter of Transfer of account to a new agency (Restons)

So I sent request for details of account & £1

 

Has anybody any idea's on how I should respond to this request

Thanks

[martin2006]

Ok so no claimform issued as yet from restons. My guess is there may well soon be, no need to send CPR until you receive such a claim.

In fact no need to do anything more until/if you receive a claim form.

Did they return the £1?

 

There is no evidence of any company lifting a signature

[ericsbrother]

you could play letter tennis for ever on this one

by asking for proof that they sent the letter saying that a signature was needed

as you believe that it is a forgery due to no necessity for this in any legislation.

 

Another way of responding is to place a wax seal at the end of the lette

r and see what they say then.

 

 

Use a small foreign coin as the seal if you dont have your own coat of arms.

[M3kek]

Yes they did return the £1.

I just want them to supply details of account because I don't think they have any.This dates back to

2007.

I have had my signature lifted in the past and put on an application form.

[theoldrouge]

send the cca request to arrows, should restons press the matter you can inform them that you have done this

 

who is the original creditor?

[martin2006]

Capital one i would imagine

 

Do you have evidence to support your signature being lifted in the past?

 

Irrefutable proof that this happens would be very interesting.

 

You coukd always just place an "x" for a signature and return to restons

[BazzaS]

Capital one i would imagine

 

Do you have evidence to support your signature being lifted in the past?

 

Irrefutable proof that this happens would be very interesting.

 

You coukd always just place an "x" for a signature and return to restons

 

Does CAG still offer the "anti-tamper digital signature", and do they recommend it?

 

http://www.consumeractiongroup.co.uk/digitalsignature.php

 

Are there any advantages / disadvantages to using an "out of the ordinary" signature (e.g. adding a middle initial that you haven't got that doesn't feature in the signature you would normally use)?

[The GodMother]

Does CAG still offer the "anti-tamper digital signature", and do they recommend it?

 

http://www.consumeractiongroup.co.uk/digitalsignature.php

 

Are there any advantages / disadvantages to using an "out of the ordinary" signature (e.g. adding a middle initial that you haven't got that doesn't feature in the signature you would normally use)?

 

A middle initial u don't have could be considered as fraud. but you could make your signature as a restons signature eg you us a middle initial or putting a smiley face in, not noticeable but one u would recognise.

[dx100uk]

you don't sign it end of

print your names

 

theres no legislation that says you must sign a CCA request..

 

if they have issues deciding you are the debtor

that's their problem

they shouldn't be sending speculative phishing letters

 

dx

[dx100uk]

this WAS a CCA request

[AndyOrch]

Why are you sending a section 78 request to a Solicitor anyway? Always to the creditor.

[M3kek]

Arrow stated that all communication should be through Restons.

[martin2006]

Doesnt matter what they state, restons have been appointed to bring the claim on behalf of arrow, the request for CCA goes to arrows and CPR 31:14 to restons upon receipt of a claimform.Do not sign them.

[dx100uk]

no clain issued yet

just send our std CCA request

 

 

if you want to do anything

 

 

pers id not enter into letter tennis.

 

 

don't forget the golden rule...

 

 

a DCA is NOT A BAILIFF

and has

NO SUCH LEGAL POWERS

 

 

dx

[AndyOrch]

Unless a section 77/78/79 is served on the creditor.....it is not legally valid...hence why Pestons are messing with you...you cant put a Solicitor in default.

[theoldrouge]

Arrow stated that all communication should be through Restons.

 

And who is the original creditor?? It will help us to advise on their track record of ability to produce agreements

[AndyOrch]

And who is the original creditor?? It will help us to advise on their track record of ability to produce agreements

 

Cap1/Arrow ?

[M3kek]

Arrow have it now was mbna c/card

[martin2006]

Thread title changed to MBNA and moved to MBNA forum

[theoldrouge]

was this ac started before or after 6/4/2007?

[M3kek]

Update

 

sent request to arrow

 

did not receive any reply

 

now been sent a claim form from county court.

 

Any advice please

Thanks

[dx100uk]

can you fill this out please

and paste the Q&A back here

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

[M3kek]

Hi,

I have not got all the informtion to fill in the Q&A form.

 

 

Do not have any details of the account other than the letters sent by Restons and a letter from Arrow.

 

 

I have noticed that the letter I sent to Arrow was sent to a Manchester address that was on the letter they sent me which I have had no reply from.

 

 

The claim is from an address in Guernsey