Arrow Global/ Bryan Carter - MBNA Debt

[BRIGADIER2JCS]

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?

No the process is pretty well fool proof DN sent, not satisfied account terminated and sold on.

From what you say the document provided is a very poor effort at producing a " reconstituted agreement and it does not satisfy a CCA request, it should be rejected as non compliant.

 

 

Agreements don't have to be supplied with a SAR, and the deed of assignment is the contract of sale between the creditor and the debt purchaser and is confidential.

 

 

A recon agreement must have>

Your name and address at the inception of the account, ditto for the creditor.

The Ts & Cs in force at inception and closure of the account.

All material amendments to the Ts & Cs during the life of the agreement.

Any document (s) mentioned in the Ts & Cs.

 

 

If any part is not present the recon fails.

[abgm74]

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?

[BRIGADIER2JCS]

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. also I have not received from you or MBNA the default notice, 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?

 

 

 

 

Just reject is as non compliant they know it is and are chancing that you don't.

 

 

e.g.

 

 

Thank you for your response to my CCA request dated xx/xx/xxxx please note the document supplied does not meet the requirements of the request as a copy or a reconstruction of the original agreement and it is therefore rejected and this

alleged debt remains unenforceable via the court system.

 

 

Make them do the work!!

[abgm74]

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

[BRIGADIER2JCS]

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

 

 

No most certainly they cannot default anything the default was placed by the original creditor and there can never be another one.

 

 

The DN will have been issued by the creditor, you did not satisfy the default, so the account was defaulted by the creditor then sold.

[abgm74]

ok thank you

[dx100uk]

the bottom line is

like 10'000's of others

 

 

you've been cash cowed blind by the DCA industry

[oleg]

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?

 

MBNA have sometimes done precisely this. I kept as proof a copy of docs Hello/Goodbye > post- assignment D N. For a while, basically the mid-noughties, it was not unusual.

 

However, this is not to say your account was definitely one of them.

[BRIGADIER2JCS]

MBNA have sometimes done precisely this. I kept as proof a copy of docs Hello/Goodbye > post- assignment D N. For a while, basically the mid-noughties, it was not unusual.

 

However, this is not to say your account was definitely one of them.

Don't worry about any further defaults happening now or in the future it's not going to happen!

Even if it did it is very easy to challenge.

[abgm74]

Ok thanks for all the reply's guys

 

And thank you brigadier i am writing to them now

[oleg]

Why? I mean why write?

 

Simple fact is they have no compliant CCA so they've conjured up a pathetically useless reconstruction. Moreover, it appears MBNA did not issue a default notice and cannot do so now, Arrow even less.

 

They will almost certainly not give up at this stage, but no need for you to write. All it does is alert them to the fact that their garbage is getting to you.

 

By all means write if you enjoy it, but not if you think it will keep these idiots at bay. They'll continue trying regardless, but far better not to assist by telling them what they have or haven't done right.

 

With the present state of affairs regarding the CCA and default notice, they've just about no chance of obtaining a CCJ.

[abgm74]

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

[ims21]

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

 

You shouldn't be entering into letter tennis with these people for a failed CCA request. They know full well it doesn't comply.

 

There is no sanction for them other than them being unable to enforce in court.

 

Save your paper and stamps.