Arrow/Dryden Claimform - old MBNA card debt

[scottles37]

Thanks. Mcol still says defence filed 25/11 as last action. If it is stayed I could still be subject to further action in the future? and also does the statute barred clock get reset to the claim date? 

[scottles37]

So in theory this still has the potential to drag on for a very long time in limbo, or they produce paperwork and apply to lift the stay. 

[scottles37]

I received the attached the other day from drydens and was just wondering whether it required a response or if it had any purpose.  No change in status at MCOL.  Defence showing as last action, will this update to stayed ever? Many thanks 

 

text of letter below.. Wondering the purpose of it and whether I should reply. Thanks

 

 

Edited Letter2.pdf

[scottles37]

Ok .thanks. Sorted.

 

They do have my email from another case many years ago. But that letter was hard copy forwarded to myself 

 

I don’t need to keep checking mcol?

 

They will update me if anything changes?

 

Would be nice to have 100% closure on this but I guess that’s not possible.

 

Thanks for all your help along the way. 

[scottles37]

Thanks. I will tell them to use it for its original purpose and not towards the balance 

[scottles37]

I am thinking of sending the below by post. Would be grateful for your thoughts. Many thanks

 

I refer to you letter dated 19^th January 2023 regarding the cheque for £1 that you claim to have cashed.

This cheque must not be used towards the balance, the payment must be treated as the statutory payment pursuant to sec 78 of the Consumer Credit Act as per the act. This was clearly stated in my previous letter dated 22^ndNovember 2022 which included this statutory fee where I requested a copy of the credit agreement relating to your claim. Should this matter ever be subject to further action, both these letters will be used as evidence.

 

Whether you chose to refund this payment or not, it will still be treated as the statutory payment for you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

[scottles37]

The attached looks like good news!

Do you think I’ll hear again from arrow or they’ll sell to another DC in the future? 

Many thanks to dx and andyorch for all your help to get to this point. 
 

 

Letter3.pdf

[scottles37]

Doesn’t it mean this particular claim against under this reference is discontinued?  Will need a new claim or a reopening of this claim? 

[scottles37]

Understood. So worst case, I get informed of new paperwork and stay is lifted and we carry on. Best case I don’t hear anything again but will not really know 100% if it’s done and dusted. 

[scottles37]

Seems like this is now on hold, has been quiet for a while now. I really appreciate the help you all gave me on this to get to this point. Many thanks