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    • oh well i wonder what new fake documents they have made up then...for them to try this.... just to check nothing funky like Link have filed an n244 to lift the stay and strike out her defence....she hasnt moved since last court comms has she?   is this an n24? bit unusual for a 13mts stay to just be lifted... has she not received anything from link/kearns in the last fw weeks like a docs bundle? bit like this thread... https://www.consumeractiongroup.co.uk/topic/466576-lc-assetlinkkearns-claim-form-2-mbna-cc/?do=findComment&comment=5256397  
    • if the agreement was taken out jan 23, then she has not reached the 1/3rd mark so the car has not become protected goods under the consumer credit act.  this puts her in a very very vulnerable position regarding ever keeping the car....whereby once they have issued a default notice they can legally send a guy with a flatbed (though they are NOT BAILIFFS and have ZERO legal powers) to collect the car.  if the car is kept on the public highway then they can simply take it away and she will legally owe the whole stated amount on the agreement AND lose the car. if it's on private property i'e like a driveway, ok they shouldn't take it without her agreeing, but if they do, it's not really on but its better than a court case and an inevitable loss with the granting a return of goods order. are these 'health reasons' likely to resolve themselves in the very short term (like a couple of months?) and can she immediately begin working again ? i'e has she got a job or would have to find one?  answer the above and we'll try and help. but she looks to be between rock and a hard place . whatever happens she will still have to pay the loan off...car or no car....unless you can appeal to the finance company's better nature using health reasons to back off for xxx months.
    • no need to use it. it doubles the size of the thread and makes it very diff to find replies on small screens too. just like @username it - sends unnecessary alerts to people. everyone that's posted on your thread already inc you ...gets an automatic email alert when someone else posts.
    • Hello all,   I ordered a laptop online about 16 months ago. The laptop was faulty and I was supposed to send it back within guarantee but didn't for various reasons. I contacted the company a few months later and they said they will still fix it for me free of charge but I'd have to pay to send it to them and they will pay to send it back to me. The parcel arrived there fine. Company had fixed it and they sent it via dpd. I was working in the office so I asked my neighbours who would be in, as there's been a history of parcel thefts on our street. I had 2 neighbours who offered but when I went to update delivery instructions, their door number wasn't on the drop down despite sharing the same post code.  I then selected a neighbour who I thought would likely be in and also selected other in the safe place selection and put the number of the neighbour who I knew would definitely be in and they left my parcel outside and the parcel was stolen. DPD didn't want to deal with me and said I need to speak to the retailer. The retailer said DPD have special instructions from them not to leave a parcel outside unless specified by a customer. The retailer then said they could see my instructions said leave in a safe space but I have no porch. My front door just opens onto the road and the driver made no attempt to conceal it.  Anyway, I would like to know if I have rights here because the delivery wasn't for an item that I just bought. It was initially delivered but stopped working within the warranty period and they agreed to fix it for free.  Appreciate your help 🙏🏼   Thanks!
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MBNA/ Arrow Global Help!


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Hi guys, an update on an old thread. I CCA's MBNA on a credit card account back in June. They defaulted and passed the 30 day mark, after trying every trick in the book they have now sold the debt on to Arrow Global / Marlin Financial Services.

They have sent me a default letter and a notice of termination letter saying formal legal action will commence in 7 days, which I responded to. I explained in detail giving exact dates of the CCA defaults etc, and that they had been sold the account in error. They have signed for my letter. So am awaiting reply, the only worry I have is that they are still calling and texting my mobile twice a day. I was hoping once they recieved the letter they would stop.... I really don't want to deal with them by phone.

 

Just looking for assurance I've done everything right so far? Should I speak to them to clarify??

 

Thanks

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Write to MBNA-serious complaint. They have committed a summary offence by

failing to conform with your CCA request. They have now compounded their

default by passing on the debt while it is in dispute. In addition as they have

not supplied the original agreement, they cannot post data on your credit file

especially as it would appear that they do not have the agreement, so do not

have your permission as required by the CRAs.

You want them to contact Arrow advising them that they are to stop harassing you immediately or you will complain to the OFT and Trading Standards of the lack of fitness of MBNA to hold a Consumer Credit Licence.

You also want them to remove all data from your credit file or TS will be

informed.

Send a copy to Arrow with an advice that as they now know the situation,

they will be guilty of harassment should they persist in chasing a debt that

as it stands is unenforceable in Law, they too will be reported to TS and the OFT as unfit to hold a Consumer Credit Licence.

[Do not delete the text messages from your phone as you may need it for

evidence].

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Hi Vandermerwe

 

Arrow Global LLC is a Sallie Mae Company (according to a letter I've had from them).

 

Sallie Mae was bought by an investment group including Bank of America in April / May this year.

 

Bank of America announced it was buying MBNA in June 2005.

 

So MBNA and Sallie Mae are both Bank of America companies.

 

 

Regards

 

Lantana

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  • 1 month later...

Hi guys, I thought I would update you on the current sitiuation. As lookinforinfo suggested I wrote to MBNA re: serious complaint outlining all of their errors etc, and also copied in Arrow global informing them of my intentions. I gave MBNA 7 days in which to reply before the authorities were informed.

Arrow have now stopped harrassing me....:):)

 

Today recieved a letter from MBNA stating:

 

We are currently investigating your complaint and will provide you with a full response by oct 11th......

 

Which will be about 28 days from my letter. Should I wait for a reply? Or should I just go ahead and report them to the OFT and trading standards anyway?

 

All thoughts and comments appreciated.

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  • 2 months later...
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