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Hi everyone,

I was wondering if anyone could advise on what I should do with regards to the following.

 

Around 12 years ago due to various issues I found myself in debt for about 35K.

 

I went on a DMP which for majority of creditors is still going, paying off regularly the agreed amount.

 

About 4 years ago MBNA stopped taking the payment, I have now discovered that they sold the debt to Arrow Global.

 

Over the past couple of weeks I have received some letters from Shoosmith on behalf of Arrow for the credit card etc.

 

Would anyone be able to advise if I shoudl ask for a CCA on the debt

(I genuinely do not know if MBNA was paid in full or not! but I am doubting even my name at the moment panic is back!) .

 

What steps should I take?

 

Any advice is welcome

(sorry if the above does not make much sense but after 10 years of paying things back this has brought me back onto "put your head on the sand mode")....

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Hi everyone,

I was wondering if anyone could advise on what I should do with regards to the following.

 

Around 12 years ago due to various issues I found myself in debt for about 35K.

 

I went on a DMP which for majority of creditors is still going, paying off regularly the agreed amount.

 

About 4 years ago MBNA stopped taking the payment, I have now discovered that they sold the debt to Arrow Global.

 

Over the past couple of weeks I have received some letters from Shoosmith on behalf of Arrow for the credit card etc.

 

Would anyone be able to advise if I shoudl ask for a CCA on the debt

(I genuinely do not know if MBNA was paid in full or not! but I am doubting even my name at the moment panic is back!) .

 

What steps should I take?

 

Any advice is welcome

(sorry if the above does not make much sense but after 10 years of paying things back this has brought me back onto "put your head on the sand mode")....

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who is the DMP with ?

and why have you been blindly paying debts off for 12yrs without first having CCA'd everyone

but now think its a good idea?

 

 

me thinks you've ben cash cowed blind...

 

 

dx


..

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HI dx100uk, without going into much details, I totally lost it 12 years ago...went onto a downhill spiral I knew the debts were mine hence did not ask for CCA. as I wanted to "sort things out" . The DMP is with with Step Change.

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pers i'd stop the DMP now and await the forest through your door

and we'll deal with each one as it comes.

have you moved since you took all this credit out?

 

 

can you list your debts please?

 

 

who the original creditor was

when you took the credit out

what type of credit was it

who owns it now

amount outstanding


..

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Thank you.

 

who the original creditor was MBNA

when you took the credit out 2006

what type of credit was it Credit car

who owns it now Arrow Global Guersey

amount outstandin 4900

 

What I find puzzling ( I am digging out all letters received over the years..... and I found a few :

 

One (dated august 2015 from Arrow Global stating that Original agreement MBNA, amount etc. Data of transfer to arrow etc has now been transferred to Allied International Credit LTD) another letter is from CAPquest stating that they manage the account on behalf of Arrow ... I am losing it I think! )

 

The DMP stopped paying any MBNA credit card in 2013..... (foolishly I thought that was paid off)

 

should I have said What type of credit: Credit CARD

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all your debts please

 

 

dx


..

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who the original creditor was HSBC –

when you took the credit out Appx 2000 (NB this was a simple current account)

what type of credit was it Current account overdraft

who owns it now Idem Capital

amount outstanding 3300

 

who the original creditor was Egg Card

when you took the credit out Appx 2007

what type of credit was it Loan

who owns it now NCO Arrow/CAPQUEST

amount outstanding 3000

 

who the original creditor was Natwest

when you took the credit out Appx 2005

what type of credit was it Credit card

who owns it now Wescott

amount outstanding 1300

 

who the original creditor was EGG

when you took the credit out Appx 2005

what type of credit was it Credit card

who owns it now PRA Group

amount outstanding 300£

 

The above ones are still part of the DMP while the one below is the one which shoosmith is chasing and was part of the DMP till 2014 since then nothing

who the original creditor was MBNA

when you took the credit out 2006

what type of credit was it Credit card

who owns it now Arrow Global Guersey

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i think id be stopping the DMP now.

 

 

all bar the HSBC bank account could have a CAA request sent to the powerless dca that you [were] paying.

just remember they have no legal powers

and are NOT BAILIFFS.

 

 

bet all of them hold no enforceable paperwork at all

which is why the original creditors sold the debt on for pennies.

 

 

so stop the DMP today

and sent Arrows a CCA request

read the full link and aLL ITS posts.


..

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ok thanks will do. But if I was made the payment via the DMP even without the "paper" work wouldnt it mean I acknowledged the debt? Or am I really going off road?

 

and one more :) Should I send it to Arrow ( I can get their address off the net) as opposed to Shoosmith? (that is for the MBNA one obviously!)

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yes ofcourse you've stupidly been acking all the debts by blindly paying them

but

without enforceable paperwork, they cant do anything.

 

 

a CCA request goes to the owner of the debt, ie arrows

not their minions-shoo's

which in all truth don't actually exist as such same printer same room same automatic PC program


..

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OUTCH indeed....

guess I have been on "denial" for 10 years..

 

 

.. Only question I have got (and guess it might be a tactic from Arrow).

 

 

One of the letters states that as from date xxx xxx xxxx Shoosmiths LLP will manage your account and you should direct all queries correspondence and payments to them quoting matter number xxxxxxxx

 

I can send the CCA request to Shoosmiths but guess Arrow is still the one which OWN the debt or should I say alleged debt.

 

 

The issue is that I am struggling to find Arrow Global Guernsey LImited anywhere.

 

 

On any correspondence sent to me they have been great in not putting it,

and even when looking at the web it becomes unclear where to send any correspondence

(I quote their web site "Customer enquiries:

 

If you have received a letter from us or wish to discuss your account,

please check your most recent correspondence for the contact details of the company that is managing your account on our behalf. They will be happy to help you."

 

Guess I have been hiding the head under the sand for way too long...

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Hi all,

 

 

I have requested a couple of months ago a CCA from ARROW/Shoosmiths initially they could not find it however I have today received what appears to be a copy of the agreement (without my actual signature). (NB agreement date is October 2006. In the letter received they state:

 

In response to a request for copy documents under section 78 of the Consumer Credit Act 1974 we enclose:

 

1 A copy of the agreement

2 A copy of the terms and condition

3 A copy of the originator’s statement

 

 

Could someone kindly take a look at the CCA if it is valid or not

 

They have attached some transactions related to the account from 2010, I was under DMP up to 2014.

3CCA.jpg

2CCA.jpg

1CCA.jpg

4CCA.jpg

5CCA.jpg

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is this in relation to a court claim?


..

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Nope, I was on a DMP

 

in 2014 Arrow Refused to accept the payments,

 

out of the blue last year they started to write letters (Shoosmith mainly) threatening court action for the debt,

 

I did ask for a CCA 6 months ago and that is what they sent.

The credit card is from miid 2006....

not sure if they got my original signature

(presume that is a must in order to be able to make it forceable)?

 

PS guess the next letters would be going back requesting immediate payment or court action.....

(that is my gut feeling and not a good one either) as the amount is about 4.5K which would probably get me over the "cliff"...

 

would it be worth at this point to make a proposal offer or too late ?

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Thread moved to Debt collection agencies forum..please continue to post here to your thread.

 

Regards

 

Andy


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retitled and moved to MBNA forum.

 

so it was an online sign up oct 2006

 

can you pop all those scans into ONE MULTIPAGE PDF

read UPLOAD

 

along with anything else they sent please


..

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Hi dx100uk

 

Please find attached. There are two other pages which contains transaction to and from the card (can not remember if these were done by myself but the card ref number seems to be correct)....

MBNA.pdf

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so last actual payment was dec 2011?


..

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from the document they sent it appears 25th Jan 2012..

.I can not honestly remember (lets just say i put my head in shame for years and just closed my eyes to reality....I know ....).

 

IF it can not statute barred (presume Shoosmith/Arrow would make sure they would take action before January)...

is the CCA valid?

 

What would happen if they start court proceeding?

(trying to find out form all sides but the information is sometimes unclear)

 

lets assume they "win" and I have to pay the full amount

 

can I (as I would not have the 4.5K!) come to an agreement with them without getting a CCJ?

 

or guess the only way to avoid it would be to pay the full amount?

 

Just looking at the options available

 

(one of which 4.5 would push my finances waaaaaay over the cliff)....

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there are lots ofways to avoid the CCJ yes.

 

why don't you get an sar off to MBNA

get all the statements

 

there could well be £100's+ in reclaimable penalty charges [late/over etc] and p'haps PPI kicking around.

 

dx


..

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thank you!

 

Should I send it to MBNA or Arrow as well? (as they own the debt as they stated?) ... I am at a point where £10 would not make much difference tbh....

 

Presume the CCA seems valid and no signature would have been required? Even if it is pre2007? Thanks again...

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OK thank you. Will do. Last question! Is the CCA valid and forceable?

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