Jump to content


  • Tweets

  • Posts

    • At least you got it over with.  Just wait for the court order to come so we can see what the judge has put,  but you will have to start making payments in line with his order from whatever date is on it.    
    • No direct answer for you I am afraid but their actions are surprising. Although banks can and do question unexpected large payments into bank accounts (large relative to what usually comes in) you wouldn't expect a payment from HMRC to be considered a suspicious transaction under money-laundering rules. And you've done the right thing, gone into branch with ID and proof of the source of the payment. Hopefully they will soon unfreeze your account.Sady in all banks local managers have virtually no say in what happens, it's all down to head office fraud and money laundering team.   Their suggestion that student accounts don't allow you to work is surely nonsense. The requirement in their t&c is that you must be on a full time course, not that you can't work as well. Their t&c say " You must be aged 18 or over and studying on a full-time UCAS registered course of two or more  years’ duration...". Nothing in the t&c about not being allowed to work as well, they made it up. It would be a strange student a/c that said you couldn't work ever - Nationwide must know  that most students need to take part-time/holiday jobs to pay their way through university (and have done for as long as student accounts have existed - at least 50 years!)
    • but no judgements yet..urm… think about it..
    • I could never thank you enough Ell-enn - And would never have been able to get through this without your help, support & guidance... Thank you so so much!   I found it all quite traumatic and distressing today - I managed to make myself look somewhat presentable for court and tried to stay as positive as I could, but had a pretty bad panic attack and broke down crying on the way to court, which melted my make-up and I felt very dizzy and unwell. The security staff were helpful and a lady appeared at desk in waiting room (usher I think) and told me that the rep for other side had been there all day, but had popped out for lunch. She said when he gets back he may want to talk to me. I felt like I was going to projectile vomit all over the waiting room. My head started pounding with a severe headache and I was worried I might pass out. He waltzed into the waiting room and stood towering over me at over 6 foot, but only looked about 12 years old.... Very cocky and stood too closely in my personal space. He told me to follow him into a private room for conference and I refused and told him I would prefer for the judge to decide.    Shortly after we were called into the judge. I don't recall his name but I don't think it was the same judge who issued the original possession order and he looked a little bit like Judge Rinder. I broke down crying again soon after sitting down and had to apologise to the judge, who seemed sympathetic. I felt so unwell, embarrassed and humiliated. I then had a panic attack during the hearing and was struggling to breathe - I must have looked such a state.    The judge asked what date the eviction was due to happen (Monday) and then asked me if I had any offers on the house yet and spoke to me briefly, but I could barely speak due to crying. He asked me about my expected return to work and I said I had suffered a nervous breakdown and wanted to be able to get back to work as soon as possible, that my GP had singed me off sick until mid-August and that I was currently on several medications which also affect my ability to work. He asked me if I wanted to say anything else and there was so much I felt I could have put across better, but just didn't feel able to and couldn't think clearly, so said no.   The judge said to the rep for Britannia that he felt concerned about this, but not sure exactly what he meant by that and then the other side stated they had clear instructions to take possession, that I had only paid them £10 and disagreed with my proposal to sell the property myself. The judge asked him if my offer of £50 towards arrears fell in line with Norgan case and the other side said yes. The rep stated that whatever it is I do for a living, my proposals could not be taken into account, as I had no proof or indication of my current income/expenditure.   The judge then came back to me and said he wouldn't be able to agree to more time for property to sell, but would have been able to do more if I had an offer in place / sale agreed. He asked me about my work and for a clearer indication of when I would be able to resume payments / pay a monthly amount towards the arrears. I said that I also had a spinal injury & had had surgery on my spine a few years ago and it was due to complications from that that I had initially been unable to work & fell into arrears and then went on to say that it was Britannias' actions that had caused my breakdown and he did snap at me a bit then and told me he didn't want to hear what Britannia had done, so I apologised. He asked me again when I thought I would be able to resume payments and I asked if September would be ok. I was shaking and having a pretty bad panic attack at that point.    The rep from other side then jumped in and said she needs to pay us straight away, and the judge then stated that he would make an order for me to make repayments from August and suspend the order on those terms. He said if I fell into difficulties again we would be back here again and said that they may be able to help me again if that happened. He asked if that was ok for me and I felt pressured to agree as I didn't feel able to do any other.... I am now now worried about my ability to do this, but obviously relieved at the same time. I think the rep for the other side was a bit p**sed off... He was quite ignorant and I feel traumatised...I feel sorry for the judge having to see me in state like that.   As soon as we had left the room the rep came right up behind me calling my name and told me he needed my updated phone number so that he could contact me. He looked a little bit psychopathic at that point and I told him I didn't want to speak to him and walked off.... I was so dazed I went in the wrong direction when I left the court building and it wasn't until I looked in mirror later that I realised I had tissue paper stuck all over my face from where I had been drying my tears... I HATE Britannia for making me go through that, especially under such poor health.... Which they have caused me!   Thank you again so much for all of your kind wishes and assistance - Especially Ell-enn, as without your help I would be facing Bailiff eviction next week - And still won't sleep until that time has passed.... xx         
    • Just thought I would update, Unite the union have now intervened although initially at a low level.   They have contacted HR at the firm asking them to deal with it in order to stop Unite getting involved
  • Our picks

Grub Granny

Arrows/drydens - 1998 MBNA card debt

Recommended Posts

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.

Share this post


Link to post
Share on other sites

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

 


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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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


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 OTHER

 

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Share this post


Link to post
Share on other sites

credit card debt 

who issued it ?

and when?

is this on your credit file?

what is the defaulted date?
 


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

Share this post


Link to post
Share on other sites

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... 

Share this post


Link to post
Share on other sites
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? 

Share this post


Link to post
Share on other sites

Please keep to your own thread

Its doesnt until a pap letter is issued

But you must protect against backdoor ccj's


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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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

 

 


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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

" 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


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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

Morning chaps,

Well things have moved on slightly

 

I sent off the CCA request last week so no reply yet with regards to that

 

i did receive this morning a PAP Letter saying the original credit card was taken out in May 1997 and assigned to Arrow Global on 31st October 2012. 

 

A copy of the agreement can be requested using a reply form. 

They said they attached a statement of account which was a one page letter saying how much I had paid over the last 12 months only. 

 

It also states "legal proceedings may be issued against you in the County Court". 

It gives an info sheet setting out the basis for sending me this letter and a reply form which I must return within the relevant time frame if I wish to respond.

 

The first question on the reply form asks

 

"D you owe this debt"? 

It again attaches a 6 page Income and Expenditure form for me to complete so their client can consider my financial situation and consider my offer. 

 

What should I do next? 

 

Many thanks

  • Like 1

Share this post


Link to post
Share on other sites

follow post 2 here carefully

you don't need to rpt the CCA.

 

just state one has been sent and to date the claimant has failed to reply.

  • Like 1

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

Share this post


Link to post
Share on other sites

Hi

I've read through all the posts in the section you said but I'm still not sure what I should be sending them.  I'm finding it rather confusing at the minute.  I know you must be busy but could you explain exactly what I'm supposed to be sending them.  Thanks

Share this post


Link to post
Share on other sites

for debt covered by the consumer credit act:

 

NOTE ONLY USE THE ATTACHED FORM below

DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!!

DO NOT USE EMAIL

USE ROYAL MAIL 1st class - get free proof of posting from any PO counter

 

box D tick

 

I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

 

box I tick

I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]

 

I also require you to supply the following..

a copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

  

no need to do the financial statement etc anything else or send anything else bar the above

do NOT give them your phone nor email

PRINT your name

never sign the form

 

staple the £1CCA PO to the CCA request and send it to the debt purchaser

return the completed PAP form below to the solicitors that sent it to you

attain free proof of posting for BOTH at any PO counter

1st class mail will do. recorded is a waste of money


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

Share this post


Link to post
Share on other sites

Many thanks it has become clear, I'll get this sorted out tomorrow and sent off.  Could you please confirm 2 things, do I need to send off another £1.00 Postal order and what do I say as to why I am disputing the credit card debt?  Again many thanks

Share this post


Link to post
Share on other sites

there is no fee you've already sent a CCa request

 

 


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

Share this post


Link to post
Share on other sites

Many thanks for this, I've printed out the reply form and completed apart from one section, you state " I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation".  I'm not sure what the recommended reason should be, ok they haven't replied to the CCA request yet and I've put that in but is there anything else I should put in that section?

Share this post


Link to post
Share on other sites

yous is the reason already there


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

Share this post


Link to post
Share on other sites

Many thanks, I just thought to only list "The debt purchaser has yet to provide any or all of the required documentation" a little sparse but more than happy to stand corrected.  I'll update when I hear from them which I'm sure I will!

Share this post


Link to post
Share on other sites

following a recent cca request..


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

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...