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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Arrows/Sainsbury bank credit card CCA reply - LLoyds/HBOS


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Hi peeps

 

Sainsbury’s / Lloyd’s cca sent back.

 

I won’t scan the rest up ( I don’t think I need too ) it’s just freshly printed reconstituted version.

 

This defaulted back in 2009

 

Card was WELL before 2007

 

I guess it’s just Bog roll ?

 

They sent back the cca postal order (£1)

 

Thanks everyone

Scan 19 May 18 R.pdf

Edited by DragonFly1967
Redacted document
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Yep, file under ignore, literally not worth the paper it's typed on!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If the card is pre 2007 they'll need the original paperwork. Not reconstituted rubbish.

 

Ignore for now

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 weeks later...

Is this still with the oc or sold to a dca?

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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Hiya DX and thanks for your quick response

 

It is with I believe arrow global - ( this is who payments goto via Payplan )

 

But I did get this letter from arrow global which confuses things even more. ( attached )

 

Please bear with me still on a steep learning curve. The info from my Payplan creditor list informs me that Moorcroft clients are arrow global ( and thus I believe arrow have bought the Sainsbury’s debt ) - I have never had notice of assignment as it’s been with Payplan and Theyvhave zero paperwork unfortunately. I guess this is what happens when you pay cash cow blindly.

 

Thanks again DX for your help

arrowglobal letter.pdf

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Can you give more info on the debt as well please

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Can you give more info on the debt as well please

 

Hi RI - thanks for your input.....

 

Here is pdf from DMP showing the history of debt -

 

Defaulted way back in 2005 - long been dropped of CRF. Been paying blindly since 2005 through DMP.( Payplan ) - No paperwork whatsoever unfortunately as all done through Payplan. Payplan don’t hold any either

 

Please let me know if you need any other details

 

Thanks again

DMP history.pdf

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You dont get notice of assignment.

Its already in the contract.

Dont go down the FMoTL twaddle yellow brick road route.

 

Sgt... They are supposed to get a Notice Of Assignment under law but not a Deed Of Assignment as that is a commercially sensitive document.,

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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if that's come from arrows it bog roll no T&C's and the prescribed terms are incorrect

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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good evening all - and thanks for all of your help

 

i have been doing a little reading and ...

 

i have a couple of questions : -

 

1 ) do the prescribed terms need to be on the same page as my signature ? - i have looked at loads of other valid CCA agreements and they seem to be on the same page ? in this instance the reverse of the sheet could just be a photocopy ?

 

2 ) does the CCA agreement need to be signed by myself AND and someone from Sainsburys bank ?

 

thanks in advance again

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if that's come from arrows it bog roll no T&C's and the prescribed terms are incorrect

 

 

Hi DX

 

It came direct from Sainsbury’s

 

First page looks iffy to me - Different type sets - and boxes do not line up ( and no prescribed terms )

 

Thanks again

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No it might appear it did....

The oc doesnt own it

So arrows get ignored unless of until you get a PAP letter of claim now

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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