Arrows and old MBNA card debt - Letter from OPOS

[DA11]

Received a letter today from OPOS (a DCA) saying they have now been instructed to collect the balance owed for a credit card I had a few years back.

 

The debt is roughly £2500.

 

The situation is exactly the same as my previous issue I had which I posted about on here in another thread.

Wasn't in a good place at the time of these credit cards being taken out.

 

Where should I start off with this lot and are they likely to take it all the way to court like the last mob did?

[dx100uk]

who is their stated client and what is the credit card debts original creditor please?

 

dx

 

how did you court claim end up

you never updated the thread from last year?

 

[DA11]

Stated client is Arrow Global. Original creditor is MBNA.

 

Last one was dreadful. Judge seemed to have had his mind made up before I stepped into the court and basically went right through me the whole time. Tried to put across my point but wasn’t having it. Never been in that situation before and hope to never be in it again. Had to pay the original debt as well as court costs which was over £200. 

[dx100uk]

well ive opened your old thread 

go update it .

 

as for this MBNA debt

is it on your credit file?

what is the take out date

and the defaulted date please.

and when did you last use/pay it?

 

dx

 

[DA11]

Yes it’s on my credit file.

Taken out December 2015

Defaulted date March 2018

Not sure on when it was last used but it looks like it’s October 2017 approximately. 

[dx100uk]

so not statute barred till 23/24.

 

as long as you've not moved since you last updated MBNA then see where they go.

 

nothing you need to do as yet.

 

dx

 

 

 

 

[DA11]

No I’ve not moved.

 

no problem thanks.

[dx100uk]

ok keep us informed.

 

go update your SPC thread.