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benq

Arrow/Moorcroft - old Vigin MBNA card debt

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I've been advised that as I have been making payments to this debt, I will never get it statute barred. So it's now time to try and pay it off before they send me a PAP.

Before I do anything (like sending of an SAR) I just want to check in with the megaminds on CAG.

 

My plan would be to:

  1. Send an SAR to Virgin
  2. Find out how much of the balance is charges and interest
  3. Start a repayment plan/pay the remaining balance.

 

Details of the debt:

  • Credit card
  • £3500
  • Moorcroft last contact Mar 19 offering 60% off
  • Arrow last contact July 18
  • virgin  last contact Apr16

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two weeks ago

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sent arrows 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

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Yup, it might not matter if the account is Statute Barred or not, if they can't fulfill a CCA request. It will not be enforceable if they have failed to produce a CCA after 12 + 2 days.

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On the CCA form the top line is 'Their Address', i assume it means i put down my own address?

 

I am making a £1 a month token payment. Should I cease all payments, or continue?

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sar to MBNA

CCA request to arrows

 

their address means their address not YOURS!!

 

once they or anyone you are blindly paying fails the CCA request after 12+2 working days

your option to cease payment until they comply exists.

 

 


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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Shouldn't I put my address on the letter, so they know where to send the reply to?

 

Or is it protocol that they send to the reply to the address they have on file for me?

I haven't moved, and they do have my address o file.

 

Are there particular addresses I should use for MBNA and Arrow?

 

11 hours ago, dx100uk said:

your option to cease payment until they comply exists.

Is this because I havent sent a CCA request yet?

So if i havent sent a CCA, i can cease payment; if I have sent a CCA i have to keep paying?

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😛

 

why don't you LOOK and read the CCA request and the other posts in that topic??

look at the top right of the letter template...what does it say in black??

 

as for the addresses 

arrows will be on their letters to you

and mbna will be in this MBNA forum address sticky about the 1st post or so.

go back to the front page where your new started MBNA your topic 


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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Posted (edited)

SAR sent to:

Virgin Credit card

Cawley House

Chester Business Park

Chester

CH4 9FB

-2nd Class, proof of postage

-no payment

-signed

 

CCA sent to:

Arrow Global Limited

12 Booth St

Manchester

M2 4AW

-1st class recorded

-£1 postal order stapled

-not signed

 

I am keeping payments going for now

Edited by benq

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The postal order is crossed and ive put 'Arrow Global Limited' on it, does this matter?

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as the guide tells you

PO's should be left uncrossed and BLANK


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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Well its gone now, I can only wait to see the outcome.

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Got a handwritten reply on a compliments slip today advising they no longer charge for information, and that they will look to action my request as soon as they can. My original PO has been given back to me.

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Posted (edited)

No reply from the SAR yet. Have i sent it to the wrong address?

Arrow have failed the CCA time limit, should i cease the £1 payment?

Edited by benq

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