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andy023

Arrows/moorcroft and old MBNA debt

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Dear Members

I have read many threads on this particular company, history i have a MBNA debt

£9517.49 STARTED 2010 DEFAULTED JAN 2012 debt passed as follows, i am paying Payplan and have done for over 6 years at present

 

DEBT PASSED BETWEEN COMPANIES BELOW

8/6/2010 MBNA

2012 BRITANICA

8/2/2012 PARAGON PERSONAL FINANCE

15/11/2012 ARROW GLOBAL

15/11/2012 MOORCROFT GROUP

06/10/2015 ARROW GLOBAL GROUP

MOORCROFT GROUP 6/10/2015

MOORCROFT 9/6/2016

 

I telephoned MBNa they said they have no paperwork .

i CCA them today and SAR.

 

The debt has passed as above through several companies .

I have sent a CCA to Moorcroft along with a GDPR article 15,

sent 25th May 2018.

 

Response form Moorcoft as attached

 

They acknowledge receipt of GDPR and confirm they are just an agency I should contact Arrow global Guernsey,

 

I have reported them to the ICO, they send me letters so they have my data.

 

just received this attached in post today .

Please see attached letter received today,

notice they acknowledged my CCA,

but clever wording,

advice please

thank you in advance

caa moorcroft response 01.pdf

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seems like you've been playing pointless letter tennis

all those companies listed are all owned by arrows

so its not been sold on endlessly.

 

Moorcroft don't buy debts

they merely chase for their named client...arrows

 

so little point in sending silly GDPR letters and reporting them to the ICO

they've don't nothing wrong.

 

if 12+2 working days have elapsed since CCA

then simply cease payment

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Thank you so simply stop paying ?

and they have no legal right to chase me ?

 

Did you read the letter ?

they word the letters differently,

is it a tactic they are not seeking to enforce an agreement,

only asking for payment towards the debt

 

For the interest of fellow Caggers, I've done the GDPR for several reasons.

 

The letter i send ref GDPR is very intensive and goes into 8 pages its a nightmare to any company that receives the letter

 

1. i want them to respond which is hassle

 

2. they have done something wrong they refuse to respond, they have my details thus they have my data.

 

3. i have the right to be forgotten

 

thank you in advance

 

To me its the hassle factor for these companies, they depend on people giving up.

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Not sure where you are getting all this from

You dont have a right to be forgotten you signed a consumer credit agreement read its t&c's

 

As for chasing you

 

They have every right to do so

No such as illegal its not criminal its civil

They as the creditor or representing their client the creditor can ask for payment

You equally can ask them to go away.

 

That 8 pages letter went straight in the bin

 

Sorry you are sounding rather freeman of the land to me as well

 

Simply ignore until/unless you get a letter of claim

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hi No not a freeman of the land my apologies if i have come across that way, just doing a lot with GDPR article 15 work, thank you for replying.

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Moorcroft are not the Data controller.....the clue in their letter is " Client " IE Arrow....Moorcroft are Ambulance chasers

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Hi group

Just received this from my SAR to mbna a load of documents but only the attached as my CCA, this is the one of the debts being claimed by moorcroft £9516.34.

 

i would also like to add i am paying £1 month to this debt with Payplan.

Would it affect my credit file if i stopped paying the £1

 

thank you

 

Also Arrow letters

 

With the above i have paid £1.15 since 2012 , thank you

MBNA CREDIT REFERNCE BLACKED OUT.pdf

ARROW LETTER JULY 2018 BLACKED.pdf

Edited by dx100uk
Merge

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NO just the MBNA CCA above no signatures, but the debt has been passed on that many timesDEBT PASSED BETWEEN COMPANIES BELOW

8/6/2010 MBNA

2012 BRITANICA

8/2/2012 PARAGON PERSONAL FINANCE

15/11/2012 ARROW GLOBAL

15/11/2012 MOORCROFT GROUP

06/10/2015 ARROW GLOBAL GROUP

MOORCROFT GROUP 6/10/2015

MOORCROFT 9/6/2016

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All the same group bar moorcroft who case debts for clients, their client here being arrows.....

 

Had to hide your uploads

Youve left ref no's showing

 

What you got from mbna you keep to youself!!

 

No cca = no pay!!

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Responding to your PM...we dont advise by PM.

 

I wouldn't even open a letter from Moorcroft...nevermind pay them anything. :becky:

 

Hope that answers your question.

 

 

Andy

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Hi Andyorch

Thank you very much , I will cancel payment and see what letters i get, i will keep the site posted, I hope to help people on here i have done a lot on SAR

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