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    • just to check - is it best to send the sar in before any sale deal is agreed?
    • Good advice thanks very much. Are there any guidelines on how long they should take to send said transcript? I was quoted 28 days on an information request today...    I have just sent two secure messages to NW.   The first was to state that they did not follow my instructions from this morning when I cancelled the DD authority held with PayPal, as they allowed PP to reinstate this mere hours later. I gave them formal notice that PP have no authority to take DDs from my account and so I will seek reimbursement from NW should they allow any in the future.    The second was a formal request for them to re-credit my account for all DDs taken by PayPal in the given time period, in accordance with the DD mandate. Reason being that I did not give PayPal the authority nor instruction to take those payments by DD.    Will relay this to the manager tomorrow and ask for a transcript so I can complain to the FOS if this is not sorted by end of play. 
    • Its directions agreed between both parties how the claim will proceed in preparation for the hearing...Fast Track Directions are not set by the court as in small claims track.
    • Make sure to ask for the name of the person you are speaking to, as well as a full email transcript of the call. If they ask why,  tell them everything on the call is being copied to the FOS for a full official complaint. They usually shift pretty quick.
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      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
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    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
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      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
Grub Granny

Arrows/drydens - 1998 MBNA card debt

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I've an outstanding debt now with Capquest which I have been religiously paying £20.00 each month without fail. 

This has gone on now for about 4 years. 

 

When they ask for a copy of my Income & Expenditure I write back to them,

I have requested in writing this is the only means in which i will converse with them,

although they still telephone me and leave messages which i have ignored

 

I write and say

"I have reviewed my payments and at this time I am unable to pay you any more than I am currently paying".  

 

I last wrote to them on the 2nd April saying this and I have received a letter from them today dated 10th April stating as

"regrettably they haven't heard from me my account will be sent to their solicitors". 

 

Advice please,

I will add currently I cannot pay any more than what I am currently paying.

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what is the debt all about please?

why are you blindly paying a powerless dca?

they are NOT bailiffs

 

have you ever sent them A CCA request to check they LEGALLY hold the enforceable paperwork to even demand payment?

 

dx

 


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Hi Dx, No I haven't requested anything from them.  I simply didn't know what to do, by paying the £20.00 each month I kept them at bay.  So your advice would be to request a CCA request from them and see what they send me?  It was a credit card debt

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Who is the debt with and what was the original amount at default?  Crapquest might well have inflated it with spurious naughty fees.


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credit card debt 

who issued it ?

and when?

is this on your credit file?

what is the defaulted date?
 


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You cant change the past but you can control the future. 

I would keep any written correspondence you have sent so that if a claim does come through, you have proof that you DID make contact and the claimant failed to respond. 

 

CCA request time... 

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On ‎12‎/‎04‎/‎2019 at 18:28, fkofilee said:

 

 if a claim does come through, you have proof that you DID make contact and the claimant failed to respond. 

 

 

Hi. Does that make a difference in a court claim then?  Ignored efforts to mediate a settlement or payment plan? 

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Please keep to your own thread

Its doesnt until a pap letter is issued

But you must protect against backdoor ccj's


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Sorry I've taken so long to reply I've had IT problems which are now sorted! 

 

To try and answer some of the questions asked above. 

I've just sent off a CCA request but not to Capquest as I've had a letter from Drydens Fairfax saying that Arrow Global are their client and they believe that my current financial circumstances allow me to repay my account over a reduced period. 

They understand that I am currently making payments but do not have a financial arrangement in place.

 

The letter came with a 6 page Income and Expenditure form with a Direct Debit at the end. 

 

I also received a letter the same day from Arrow Global saying the management of my account has been passed to Drydens Fairfax.  I''ve sent the CCA to them. 

 

I am making repayments of £20.00 per month which I have never defaulted on. 

It is a credit card debt from MBNA which has been passed to quite a few DCA's over the years. 

 

The card was taken out round about 1988 all ok, they kept increasing my credit limit until it was approx £16k, I unfortunately kept spending always paying at least the minimum each month. 

 

I paid about £3k off it round about 2015 so they immediately reduced my credit limit to just the amount I owed so I immediately went into charges!

The current balance is just over £13k.  

 

I couldn't sustain the minimum amount so completed an original income and expenditure form and stated I could afford £20.00 per month this was accepted and I've paid this ever since.

 

There are no charges being placed on the account. 

I have never completed any further income and expenditure forms always batting them back saying £20.00 was the maximum I could pay. 

 

Sorry for long post but is there anything else I should be doing right now? 

 

Many thanks

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the playing with the credit limit will be a reason for complaint and that will at least get the subsequent charges removed. If the bak has sold the debt on then they will wish tey hadnt as they will have to pay you in cash rather then knocking it off the debt.

have a look through all of the statements and see how much has been added in fees  and then use an interest calculator to see how much they owe you now.

This wont affect any noise the current dca is making but it will make the debt smaller as you will be able to show that the amount was incorrectly calculated and that will shut them up for a while

they have to respond to a CCA inside 14 days so if they ahvent replied with teh correct info you can stop paying them the £20/m until they do

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retitled and moved to MBNA forum.

 

all those DCA's are part of the came group arrows.

you MUST follow post 2 below and send off the reply attached in post 2

 

 


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Many thanks for prompt reply. 

I haven't received a PAP letter from Drydensfairfax as far as I am aware. 

Its just a letter stating they are instructed by their client Arrow Global and understand they have written to me recently as they believe that my current financial circumstances allow me to repay my account over a reduced period. 

I don't know how they know this but if I could have paid more I would have been doing this! 

 

There is enclosed an income and expenditure form, 6 pages for me to fill in ending with a DD instruction. 

I have sent off a CCA request yesterday with the £1.00 Postal Order.

I'm not sure which post and attachment I should be following if any at this stage. 

 

Could you please clarify.  Many thanks

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If that's the case, and it's just the DCA it's really none of their business whatsoever to ask for an income and expenditure.  If they haven't replied to your CCA request within 14 days then ignore them, until such a time when or if they send a PAP letter.

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" as they believe that my current financial circumstances allow me to repay my account over a reduced period "

 

I have heard it all now...:rolleyes:......they must have privileged special connections with your bank to acetain your cash flow ....ignore the numpties and do not return that I&E

 

Andy


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good it no PAP then.

lets see them get an enforceable agreement for a 1998 MBNA card

NO CHANCE!!

 

you should be able to kiss this debt goodbye soon.

 

dx

 


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

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