Resolvecall home card for Arrows re old MBNA loan debt from 2009!!

[claim1]

Hi All,

wondering if anyone can help with my situation.

Had a card left through the letterbox yesterday from resolvecall saying they tried to visit me regarding my account. 

called them and asked what the account is referring to,

they said a loan with MBNA taken out in 2007 with the last payment being received in October 2009.

The loan has since been sold to Arrow global and instructed resolvecall to try and collect.

 

I was silly when I turned 18 credit cards Loans etc and defaulted on a lot of my accounts.

Paid some companies back,

had a CCJ against me which is also cleared but

 

I’m finally this last year improving my credit score and looking to get a mortgage in 6 months time. 
currently living with mother in law so I’m glad she wasn’t in when they knocked otherwise would be very embarrassing. 

On the phone I asked for the original  agreement as I don’t recall the debt and they said they will contact arrow global to get this and send it in the post to me, they will also put the account on hold in the meantime. 

is there anything I can do from here?

I thought after 6 years they cannot chase payments.

 

I’ve checked credit file and there’s nothing showing on there for this debt. 

many help would be greatly appreciated. 
thanks
 

[dx100uk]

read the red bits below ...

 

if you've paid nowt in more than 6 years the debt is statute barred.

send arrows our SB letter from the debt collection section of our library.

 

 

[claim1]

Thanks for your reply dx100uk appreciate your help.

 

Is this the barred letter Updated Nov 19?

I not need to wait for agreement or send correspondence to Resolvecall?

thanks 

[dx100uk]

doesn't matter what paperwork anyone holds

thats totally immaterial if a debt is SB'd.

 

read below the red stuff

 

dx

 

[claim1]

Hi DX really sorry but I can’t see the red stuff below . What am I meant to be looking at? I will send the statute barred letter updated Nov 19 but is there something else I should be looking at?

thanjs for your time much appreciated 

[BankFodder]

He's referring to the signature text which appears automatically at the bottom of every one of his posts.

[slick132]

This letter from the CAG Library - https://www.consumeractiongroup.co.uk/topic/332444-statute-barred-letter-updated-nov-2019/?do=getNewComment

 

 

If anyone turns up at the door again, tell them "In wring only" and tell them to leave - no discussions at all. Stay off the phone as well and, if anyone calls you, tell them "In writing only" as well.

 

The Stat Barred letter should stop them but I would tell your MiL that someone called about an old debt, but they're trying it on and have no right to persue it. So if anyone calls again, they can be told to leave.

[claim1]

Thanks for your replies guys much appreciated. Will send updates when and if I hear anything back. 
thanks

[dx100uk]

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...

[London1971]

A. It’s statute barred

B. It won’t have any effect on a mortgage

c. The person who dropped the card through your door is powerless