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Arrow Global chasing old MBNA card 'debt'


spesh88
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Picking up some old paperwork that I have not dealt with for some time

- advice appreciated on next steps I should take.

 

 

The address at which I received the last letter (see below) is a family member's and not my own

- I'm a little concerned that my family may miss a "letter before action" or claim form should one be sent there.

 

DCA: Arrow Global Guernsey Limited

Amount : £7k [approx]

Type of debt claimed: Credit card

Original agreement with: MBNA

Original agreement entered into: Apr 2007

Default notice from original creditor: Yes, Sep 2011

Date of last known payment: 5th Jan 2012 (MBNA), 25th Apr 2012 I&E sent to Arrow

Notice of Assignment received: Yes, Moorgate (letter, 25.1.12), Arrow (titled "Notice of Assignment" 14.11.12)

Received annual statuary notice ("notice of default sums")?: No

Why ceased payments: Divorce, moved home, personal circumstances.

Dispute with original creditor: No

Communicate financial problems / enter into debt management plan: Yes with MBNA

 

Other pertinent dates:

21/02/2014 CCA request sent. Proof of postage. Copy of Letter retained.

 

25/02/2014 Letter from Arrow - Confirms receipt of my CCA request.

 

30/06/2014 Letter from Arrow - Holding letter states they are chasing documentation.

 

18/02/2015 Letter from Arrow - (One year after original request!)

They claim they have supplied a copy of agreement, T&C and statements.

No signed agreement - in fact, no evidence to say it was the agreement from the time as far as I can tell.

They also state that they are looking to outsource the account.

 

I've not received anything since then, so am hesitatnet to chase,

with the caveat above of being concerned about the address issue.

 

Does the fact it took them 12 months to reply have any bearing on how things may go in the future (or court)?

 

Does the fact they have not produced a copy of the agreement with my signature have an impact on this too?

 

Is Apr 2007 before or after an important date regarding these sort of debts (it's something to do with CCAs right?)?

 

Should I just wait and see, or is there another preferable course of action?

 

Thanks in advance for your advice. :-)

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scan up the CCA return please

upload

apr 2007 is the switch date

but you prob signed up on line anyway?

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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