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Jaksmyboy

MBNA-Arrow-Capquest

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Hi all

 

I obtained a MBNA credit card in 2014, things went very wrong for us and it ended up in our IVA in 2016. My credit file states that it defaulted in Aug 2016 (when we started our IVA-however I never received a default notice?)

 

Our IVA failed in Dec 2018 and I haven't paid anything towards this debt since then.

 

Arrow Global were chasing us for a while for this debt-so I sent off a CCA to them in early May-haven't heard anything from them in response to my letter BUT got a letter from Capquest 18th May to say that they are now dealing with our account.

 

Then on 24th May I received a letter from Arrow again stating that they are dealing with the account and that correspondence should be directed to them-still no response to the CCA though.

 

So, my questions are:

 

Do I send a CCA to Capquest (they are quite persistent with their calls, txts and emails)?

Do I respond to Arrow?

 

Thanks

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Hi all

 

Anybody any idea about this other topic I posted a few days ago? 

 

Just that I've received another letter from CAPQUEST again today stating that they are managing the account on behalf of Arrow Global....Arrow were sent a CCA letter at the beginning of May-ive still not had a response from them but now being hassled by Capquest? Do I send Capquest a CCA letter?

 

Thanks

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capquest are arrows ignore them until/unless they comply to your CCA request and we check it.

 

dx

 


..

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I'm being hassled by Capquest….A LOT! Lots of calls and letters, even got through to me at work which is not ideal. 

 

Do I send them a CCA request (I never received one from Arrow after sending one to them beginning of May)? I know what you've said previously @dx100uk but to get them off my back-send the CCA request or just continue to block and ignore?

 

If the advice is to continue to ignore, what is the next step I should look out for from them or what could they do next?

 

Thanks

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its all they can do.

they'll give up.

 

 


..

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I've (finally) had a response to the CCA request I sent to Arrow in April!

 

The letter they sent back includes; a copy of the agreement and a copy of the terms and conditions.

 

They 'confirm'; the account is in default and the total sum outstanding.

 

And they request-'please now provide your proposal for repayment of your debt. Failure to do so will result in the continuation of collection activity, which in your case may include litigation'.

 

They also advise that they are only dealing with this document request and that all enquiries should be directed to Capquest...

 

What would anyone advise I do now with Arrow/Capquest?

Thanks

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Scan up all the cca return to one multipage pdf please


..

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And not a very good recon

Clearly states its an application form

And then proposed conditions

 

Then says its and online signup in 2016

But somehow mbna agreed to it 12 mths earlier

 

Nice filling cabinet copy and paste from arrows filing cabinet.

 

Dx


..

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Thanks @dx100uk, you see things that I just didn't even notice! 

 

And actually (and apologies for not uploading at the same time) but I received the attached letter the day before this 'agreement' came through-clearly stating that they hadn't received the necessary documents but that it hasn't been overlooked etc, then the very next day I receive the documents.....?

 

So, do I respond?

 

Many thanks

 

Edited by Jaksmyboy
Card details still visible

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What would anyone suggest is my next move with Arrow here?

 

Thanks

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I've had an annual statement through from Arrow-they show that the £1 postal order I sent in for the CCA request has been classed a 'payment received'..?

 

Surely this can't be right, I stated that the postal order should be used for no other purpose-as per the template letter..??

 

What should I do?

 

Thanks

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nothing

quite usual

wont effect SB date.

 

dx

 


..

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