restons acting for arrow on MBNA crdit card 'debt' - advice needed please

[squidworth13]

I am wondering what course of action to take regarding a debt from a MBNA credit card opened in 2005.

 

The account went into arrears and was passed to global arrow and a default registered in 2011.

 

 

My last payment was in Feb 2011.

 

 

A few days ago I got a letter sent to a previous address from restons who say they are acting on behalf of arrow to claim immediate payment,

failing to do so will result in a cc summons and a judgement against my name.

 

 

Please could anyone advise on what I should do.

 

 

If a send a cca request do I send it to restons or global arrow.

 

 

Someone suggested sending a" letter before action" but I'm so confused as to what to do.

 

Any advice would be greatly appreciated.

[dx100uk]

I suspect the letter said everything but 'will'?

 

 

read it properly.

 

 

is this debt on your credit file?

 

 

dx

[squidworth13]

Thank you for your reply dx100uk.

 

 

The letter says

" We must ask you to pay the sum of £xxxxxx direct to this office,

failing which we have strict instructions to issue a Count Court Summons for the full balance plus fees and costs.

We are instructed to seek a judgement against you which will be registered by the court, if obtained"

 

 

it goes onto say that their client (global arrow) is willing to accept payment by instalments

and can offer a specially discounted rate.

The default does appear on my file.

[dx100uk]

instructed = could might night not may

 

 

and its a discount letter too.

 

 

so that means there is PPI and or penalty charges to reclaim too

and they will be worth a lot more than the discount they offer if you get all the statements from MBNA via an sar.

 

 

its worthy to remember a DCA is not a bailiff

and have

no such legal powers.

[squidworth13]

thanks again dx100uk.

I will send SAR to mbna today. Should I have any contact with restons as the date they specified to make contact is looming?

[dx100uk]

don't worry about there silly time limits

 

 

what you have is nothing more than a phishing letter

hoping to get a response and mug you.

 

 

have you moved since taking the card out?

 

 

I'd await their next missive.

 

 

dx

[squidworth13]

I've moved several times since. Have sent SAR to OC - MBNA

[dx100uk]

Yes sir you said that in post 1

 

Are you able to easily and quickly get mail from the address?

[squidworth13]

yes, I can get mail from that address easily.

[dx100uk]

pers I'd let rectums run then

 

 

then might poss go for a claim

but if discounts are flying around

then it'll be a good while yet.

I'd guess

dx