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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.

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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What date was your last payment ?

 

Andy

We could do with some help from you.

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  • dx100uk changed the title to Arrow/Moorcroft - old Vigin MBNA card debt

sent arrows a cca request

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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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.

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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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 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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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 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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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

 

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

Edited by benq
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as the guide tells you

PO's should be left uncrossed and BLANK

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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  • 2 weeks later...

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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  • 4 weeks later...

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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  • 10 months later...

open

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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I've had a letter through from Moorcroft advising if we pay £1000, they will advise Arrow that the debt has been partially settled.

I'm more than happy with this; is there a proper way to go about remitting payment?

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What happened with your CCA?

 

Dunno about you, but I certainly don't have a spare £1k to throw on the bonfire right now which is what you will be doing if there was no response to your CCA request.  I mean if it's really burning a hole in your pocket there are plenty of charities / food banks etc that you could give it to.  Far better causes than Moorcroft / Arrows etc Office Christmas party.

 

Partially settled marker is pointless anyway as it will be dropping off your Credit Report soon anyway. Do not fall for this con.

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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When was the default date? If it's ok to ask what reason do you need it off your credit file? Not that a partial settlement will remove it anyway.

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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It will fall off 2022.....paying a £1000 is pointless..wont move the marker any quicker...marked as Partially Settled irrelevant...your simply easing Moorcrofts cash flow problems to see them through the current climate.....leave it in the bank.

 

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 The National Consumer Service

 

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Seconded,

 

Even if you were looking to get a mortgage, a default that old shouldn't make a difference anyway

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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they never replied to the CCA

stop paying.

 

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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Share on other sites

Yes...paid or unpaid

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 The National Consumer Service

 

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

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