Arrow/drydens - old Abbey MBNA card - been paying for years! FairFax solicitors is threatening with further action?

[vidrio]

Hello 

 

Need some sort of advise  about this collectors., 
Dryden/Fairfax /arrow/ got hold years ago for an old debt [ABBEY/MBNA CC ] THEY MAY NO EVEN HAVE AN ORIGINAL  AGREeMENT,

[older than 2007]

did no ever requested a CCA request because was paying to Federickson before being passed to this guys.

 

I do know they will have to go many years to find the original aggreement from ABBEY BUILDING SOCIETY CREDIT CARD [mbna]

 

For What I gather they are very aggressive, now I  have being paying a minimum payment for what I can afford, over £4k to pay

but now I received a letter about "repayment arrangement expired" but did never signed any arrangement with them [fairfax] anyway,

 

just paying what I can afford. Never miss a payment!!..Now asking to fill financial statement, within 14 days or what?,

to prevent further action , they say " recommencing to recover the debt", well I have being paying it for a few years,

so

 

: -do I have to fill financial statement  and send it to them, I thought only court can ask for that?

:- what do they mean for  recommencing to recover the debt ?

:-  are they just harassing to pay quicker

:-IF they are going to take me to court why now after many years?

 

any ideas?

 

[unclebulgaria67]

No you don't have to provide them with any information.

 

You could stop payment and see what happens.  If they took you to Court, then you request the CCA as part of defending the claim and if they cannot provide it, then their claim is unlikely to succeed.

 

Do you have other debts or is this the only one ?

 

 

[vidrio]

Thank you for you reply uncle i THINK THEY ARE JUST PHISHING, receive many letters from them over the year, about filling this financial form, they I have been told by an old solicitor,  court and solicitors an d barrister cost them money, they are just the easy way out ,  like offering a low settlement why ?

 

 any ideas?

[dx100uk]

why have you been blindly being a DCA cash cow for all these years without even sending them a CCA request?

they will never have had nor can get an abbey mbna CCA they dont exist and never did.

 

dx

[vidrio]

 

thanks for you reply dx100uk

 did requested cca  to previous DCA'S but I had to continue paying to prevent further action,

only got abbey old statements but no proof of credit agreement, need to dig it ,

but in the past any agreement [in 2008 court actions]  was valid in court, reasons is judges

say "if you are paying then you own the debt", difficult to defend

judges did accept any document as long it had you signature [read old cases ] and also

can no afford a solicitor yet, 

 

can you please change the title of the post to the original please !! thank you

 

 

Edited February 5, 2022 by vidrio

[dx100uk]

ive read your other thread too

sorry most of that is wrong.

 

 

8 minutes ago, vidrio said:

if you are paying then you own the debt

and thats rubbish too

 

send them a new CCA request

they have 14 days end of

 

you are being had blind.

 

title is quite ok as it focuses on your players.

[vidrio]

I will have to request CCA , you are right waiting for their next action,

I am preparing already,  and will a need a good solicitor!!

thanks for you time!!

[dx100uk]

You do not ever need a solicitor!!

 

if youve relied upon what you learned in that old thread till today and to be honest most of that not from respected members that at that time really understood what they were basically copy and pasting. The 'conclusion ' was wrong if its a post 2007 agreement

 They can conjure up what they like - its automatically enforceable is utter rubbish!!

 

no one should ever be paying any dca on any debt for even 5yrs without nailing them down. 

 

they are not BAILIFFS

they have zero legal powers

They have no more than you or i if we think someone owes us money..raise a court claim!!

 

Dx

[dx100uk]

has there ever been a gap of 6yrs whereby you paid nothing?

you indicate you've only been paying since freds got ahold of it?

 

what was the gap between you last paying MBNA directly and you starting to pay these powerless DCA's?

 

full timeline please this could have already have been statute barred..

[dx100uk]

oh and regard your reported post you now want this thread deleted

we dont do that sorry.

 

dx

 

[dx100uk]

re series of reported post

 

god stop being scared of a ruddy powerless debt collector!!

 

you appear to be a perfect DCA cash cow

 

so what if they read here!!

 

how is that going to harm you

the days of hiding and running from DCA's is over.

 

what are you scared of...they have ZERO legal powers...why do you think otherwise?