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Arrows/drydens - 1998 MBNA card debt


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Just an update. 

I have received today a letter from Drydensfairfax dated 29th May. 

My  CCA request was dated 16th May and the PAP was dated 25th May. 

 

The letter states:

We refer to the above matter and confirm receipt of your recent correspondence, the content of which has been noted. 

Please see attached your postal order. 

This is no longer required when requesting documentation.

 

Your account has been placed on a temporary hold while we contact our client with details of your query.

We will inform you of the outcome as soon as a response is received from our client.

We trust this is clear. 

 

However, if you have any queries, blah blah blah, etc....

Do I need to do anything at the moment? 

 

Many thanks

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Nope you now ignore until/unless they cough it up

and ofcourse stop paying if you are/were

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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Many thanks for this. 

 

Should I reply and say I am stopping the £20.00 per month payment? 

I don't want to make the current situation worse, I last made a payment on the 25th May. 

 

If by a miracle they find the paperwork what implications, if any, would be caused by stopping the payments? 

I don't want to empower them to demand the full payment now!

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no pointless letter tennis!!

they know the score.

 

cant hurt you IF IF IF [doubt it] they latterly comply 

re read your thread please

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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They would have to produce an Original Signed copy of the agreement to enforce it, there is a good chance that they won#t be able to get one, a Reconstitued Agreement won't do for a pre 2007 debt.

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

 

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!

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  • 1 month later...

An update.  No update! 

 

Since getting a letter from Drydensfairfax acknowledging receipt of the PAP letter, in fact I had that letter twice, dated 29th May and 13th June. 

 

Also a letter from Arrow Global dated 3rd June saying Drydens Fairfax are dealing with this on their behalf.

I've received nothing. 

 

The original CCA was dated 16th May. 

Do I do anything or sit back and wait? 

My original paperwork must be at the back of a very large filing cabinet!

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aw they lost their cash cow and am now having tgo play copy and paste to see if they can con us that the bogpaper they will send claiming to be your signed CCA is just that...

pigs might fly too.

 

dx

 

  • Like 1

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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  • 4 weeks later...

Still no reply with regards to this. 

I've also just realised I was mis sold a PPI on this credit card between approx. 2001 and 2006, before the account defaulted. 

Can't remember the actual dates but I did get a call from them asking if I wanted to take out the protection insurance. 

 

At the time I was self employed and I did ask if it was possible to do this being self employed the guy I spoke to said yes. 

I believe this isn't correct. 

 

I paid the monthly payments and after about 18 months I cancelled them because of the extra cost. 

Is it possible to request the premiums back even if this account is subject to CCA and SAR

 

What's your advice?

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yes ofcourse it is.

 

I would simply use the MBNA website PPI reclaim button

things close om the 19th.

 

dx

 

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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  • 1 month later...

Update. No update.

 

Still waiting for anything from anyone with regard to cca request

 

With regard to the ppi I have received acknowledgement that ppi did exist on this account. A couple of letters saying they needed more time and today a letter from mbna saying they currently don't have enough info to fully assess my circumstances at the time of the sale and could I just fill in an 8 page questionnaire so they can complete their investigations quickly.

 

Now are they trying to trip me up and wriggle out of paying or should I complete and return.

 

They ask questions such as my income at the time which I wouldn't have thought was relevant to ppi.

 

Thoughts please?  

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Use the fos ppi questionnaire only

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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  • 1 year later...

open

dx

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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After the cca request Last year and many updates saying they were still working on it

 

I received a letter this morning from drydensfaifax saying “unfortunately our client has been unable to provide a copy of the Credit Agreement at present.  

 

Despite the above the balance remains due and owing and it is importance that the matter is addressed”

then follows “for completeness”

the original creditor ref
account opening date

date of default

balance outstanding

last payment amount and date.

 

it finishes with “if the above clarifies matters, we would ask that you now contact us to arrange payment”

 

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must be low on free money for their staff xmas party.

 

 

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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why?

 

dx

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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Do nothing least of all pay it No agreement no proof, no grounds to send a claimform.

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

 

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!

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you were being cash cowed by a fleecing DCA that holds no enforceable paperwork.

you were  blindly paying because you thought a dca or their dogs had some kind of magical powers over you when they hold nothing,

 

yours is not the next move...other than to make sure you are not being cash cowed on any other debts......?
 

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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  • 4 weeks later...

Drydensfairfax letter today. First para:  this is a letter of claim sent to you in accordance with the Pre action protocol for debt claims.  It encloses info sheet which sets out the basis for sending me the letter, a reply form to be returned if I wish to respond and a financial questionnaire so their client can consider my financial situation when considering my offer. 
What  do I do now?

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reply as you did to the last pap letter

 

dx

 

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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  • 7 months later...

open

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