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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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moved to mbna forum and retitled


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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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Ok


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I KNOW THIS IS NOT CORRECT SITE BUT YOUR SYSTEM WONT ALLOW ME TO POST AT THE MOMENT? BUT TO HELP OTHER CAGGERS UPTO DATE ADDRESS FOR RBS SARs

 

SUBJECT ACCESS REQUEST TEAM

2nd Floor

Drummond House

1 Redheughs Avenue

Edinburgh

EH12 9JN

 

e mail sarqueries@rbs.co.uk

 

tel 0131 523 2750

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


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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Moorcroft are after commissions only if they are lucky to mug somebody


:mad2::-x:jaw::sad:

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thus stop paying them ?

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yes!!

and anyone else that fails it!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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thus stop paying them ?

 

 

your 1st clue ---- yes


:mad2::-x:jaw::sad:

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thank you

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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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Its already defaulted


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi dx100uk

Please explain forgive my ignorance it has defaulted and now not showing on my credit file, show your saying the DCA can not pursue

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Still no sign of the agreement you requested then ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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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!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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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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you were told all that more than a month ago


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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