abgm74
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Everything posted by abgm74
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Thanks for all the reply's, In this case I will write to them and prove to them that I am aware of their actions and capable of fighting off these hyena's. Thanks
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Ok thanks for all the reply's guys And thank you brigadier i am writing to them now
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ok thank you
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thank you very much brigadier, I will write to them tomorrow 1 more question though can arrow default me now if I don't start making payments? because I don't think the original creditor has defaulted me and its not on the sar
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Hi Brigadier thanks for replying, shall I write to Arrow stating that, I will not make any proposal of payment unless you comply fully with the CCA request, the document you have sent is just a priority request form with my name and address typed on, it is a foldable application form with the address on the back but it did not have the terms and conditions. the assignment or the statement of account.? If MBNA or Arrow did not issue a default notice then can they go to court without one?
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it does state that it was sold to arrow back in 2006, but could mbna sell the account to arrow without a issuing a default notice on me?
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Hi renegade thanks for your reply, I already got the SAR from MBNA, its quite a big pack first with a few computer screenshots of name and details call logs and all payment information and charges but there is no application form or agreement nor does it say anything about default notices.
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Hi guys just looking back at the cca request which I sent to arrow's solicitors Bryan carter back in may, I might have sent the wrong CCA request because I only received the reconstituted priority request form but no statements or assignment which I didn't mention on the CCA request below. [text of template removed - dx] Can I make another CCA request mentioning Statements of Account, copy of deed assignment ect?
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Thanks Brigadier, Does this mean this reconstructed form is enough to prove CCA in court?
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Hi CB thanks for your reply, here is the other side of the priority request form am not sure if this is the full terms
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the credit card was taken out around 1997/98 also let me send another doc it is the folding and return form but is has some of the terms on there
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sorry the last pics didn't work so im try resending again
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HI guys, I really need some help with this, Just when I thought I won things just got worse I just received some stuff from Arrow Global, they somehow made up an artificial agreement stuck my name and address on and sent it to me, it has no signature no date or nothing else only the name and address plus the standard terms and conditions, they want me to start paying up again. I have attached the copy to view, please could someone advise what I should do next? thanks
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Hi guys thanks for all your help. I have received a reply from Arrow Global following the CCA request to Bryan Carter, they have also returned the £1 postal order I sent. The letter states.. Arrow / Mbna Thank you for your letter dated xx may 2014. We acknowledge your request for documentation pursuant to the Consumer Credit Act 1974. We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested. We will now process your request for documentation from the creditor and will revert in due course. We confirm that all collection activity will be suspended pending provision of the documents. We return the payment of £1.00. Is that good news? does that mean I don't have to pay anything for the mean time? thanks
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Hi CitizenB, thanks for your help I will send them today, should I also CCA bryan carter?
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Hi renegade thanks for you reply, It was a credit card not a loan, ive stopped paying since last month can they default me on this since the original default has cleared from my credit file
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Hi cashins, I will CCA them right away this card was taken out back in 1998 so hopefully they wont have the agreement, but I heard they can just make a reconstructed agreement.. . also they might have an argument saying why have I been paying bryan carter for the past 7 years.
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Hi guys thanks for replying, Citizen B, Im not sure if I had PPi on this but I wrote to Bryan carter saying I am unable to pay at the moment but can they default me again as the original default by the OC has been over 7 years and its not on my credit file. also yes I do own my property. thanks
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Hi Please can someone help me. I had an old debt with mbna for approx £10k. I couldn't pay at the time so ended up with a default in 2006, in 2007 I arranged repayment of £70PCM and have been paying until last month, last week I wrote to Byan Carter saying they should write off the debt because I am unable to pay due to illness bryan carter wrote back I still owe £5000 and they can only reduce £500 but ill have to pay another £4500 to settle and they are not charging me any interest. My question is can I send CCA request even though Ive been paying for 7 years. also can I still negotiate a reduced settlement amount with bryan? much appreciated
