two MBNA Cards sold to arrows and their CCA returns - Now LInk

[dx100uk]

is this debt on your CRA file?

 

when was the last time you paid/used the thing?

 

dx

[seriously fed up]

the last time i paid anything toward this would have been the second half of 2008 and since a debt is statute barred where I live after five years then time is running out for them.

Harrison is indeed an interesting read, particularly as he was the applicant and therefore the burden of proof was on him. Thanks for the heads up Citizen

[creditcardmug]

I have just had a photocopy of the application form containing my sig, with the prescribed terms photocopied onto the back, occupiying the bottom third of the page, with nothing in the top two thirds. This from the new owner of the aleged debt Arrow global....obviously to me, an attempt to make up a enforceable agreement.....but would a judge agree?

[citizenB]

the Judge in Harrison refused to accept the many "reconstructions". You simply dont know with Judges now adays.

 

From what you are describing this would have been one of the fold up and return dapplications. In which case, why would the terms and conditions be on the outside for returning ??

[creditcardmug]

Thats just it, you would have to wait for them to issue a court claim, and then try to defend on the basis of reconstructed docs, i.e. requiring them to produced the originals in court, and also requiring sight of the original default notice etc.....but as you say its a judge lottery