Fred Bassett v Arrow Global

[Never-In-Doubt]

Re: Fred Bassett v Arrow Global

Thank you

[Fred Bassett]

Re: Fred Bassett v Arrow Global

Hasn't this been going on since 2007? I've seen your thread OTR!
Surely if MBNA thought they had a good chance of it being enforceable they'd have taken to court ages ago!

Don't expect MBNA to admit that it's UE, they have never admitted that my account is UE, they've admitted they can't find anything resembling a CCA for my old A&L card but they've never said "we know we can't enforce..."

Yes, it's been going on since then, but what's changed is that Arrow Global now have it. I don't know what to expect from them and just want to be sure of my ground.

Cheers.

Fred

[PlanB]

Re: Fred Bassett v Arrow Global

Yes, it's been going on since then, but what's changed is that Arrow Global now have it. I don't know what to expect from them and just want to be sure of my ground.

Send the letter I2D suggested in post #2 because although Arrow Global have bought the debt they won't have read the MBNA file or any correspondence between you or any previous DCA. Ditto Moorcroft. They won't know it's in dispute until you actually tell them - they're not psychic

[MrsD]

Re: Fred Bassett v Arrow Global

thank you Plan B!!

[oscar]

Re: Fred Bassett v Arrow Global

Yes, it's been going on since then, but what's changed is that Arrow Global now have it.

Arrow have mine - they wrote to me, as did MBNA to confirm the assignment. That was 4 months ago and I have heard nothing since!

[alangee]

Re: Fred Bassett v Arrow Global

Fred

Did MBNA ever send you a Default Notice?

Alan

[CleverClogs (RIP)]

Re: Fred Bassett v Arrow Global

Does that mean that they can send any old crap as terms and claim it to be enforceable?

Of course they can, but that does not mean they'd win were they sufficiently unwise to take such a case to court.

Members of the Moron Church aver that Joseph Smith was given his stodgy scripture on sheets of burnished copper or of gold, but they cannot prove that because the metal sheets mysteriously disappeared shortly after Smith had transcribed them.

Members of the Papist Church claim that, at the height of the mass, the communion wafers are miraculously changed into the body of Christ, yet a DNA analysis would suggest that Christ's body was made from flour and water.

[CleverClogs (RIP)]

Re: Fred Bassett v Arrow Global

Her lawyers have advised that the DJ was wrong to accept compliance with s.78 since the recon Ts & Cs were blatantly inaccurate when cross-referenced with other evidence (such as account statement details). This wrong decision would justify an appeal to the High Court; however since the DJ had already ruled in favour of the Defendant on three other legal arguments there was no need to appeal because the claim was dismissed anyway. One can only guess why the DJ got it wrong, but the evidence was staring her in the face.

Perhaps that was the mayhem to which Niddy alluded?

[Fred Bassett]

Re: Fred Bassett v Arrow Global

Fred

Did MBNA ever send you a Default Notice?

Alan

Hi Alan,

I was looking for that last night - I can't remember. I'll come back to you on that one.

Regards.

Fred

[alangee]

Re: Fred Bassett v Arrow Global

Fred

The reason I ask is that following my Subject Access Request, I asked MBNA for a copy of the DN, or proof that one was sent. I got the following answer:

"MBNA did not issue, or were required to issue a notice of default and/or termination and therefore do not hold a copy of any such notice on our system."

I never received one, nor could I find any reference to it in the documentation they sent me.

Alan

[oscar]

Re: Fred Bassett v Arrow Global

Fred

The reason I ask is that following my Subject Access Request, I asked MBNA for a copy of the DN, or proof that one was sent. I got the following answer:

"MBNA did not issue, or were required to issue a notice of default and/or termination and therefore do not hold a copy of any such notice on our system."

I never received one, nor could I find any reference to it in the documentation they sent me.

Alan

Thats strange. As far as I am aware, MBNA have always been pretty good at sending such items out ...... whether they are compliant or not is a different issue.

[CleverClogs (RIP)]

Re: Fred Bassett v Arrow Global

The reason I ask is that following my Subject Access Request, I asked MBNA for a copy of the DN, or proof that one was sent. I got the following answer:

"MBNA did not issue, or were required to issue a notice of default and/or termination and therefore do not hold a copy of any such notice on our system."

I never received one, nor could I find any reference to it in the documentation they sent me.

I have long believed that the Moron Bank of North America liked to do things their own way, but I had never before seen that they had expressed in writing their utter contempt for the Consumer Credit Act 1974.

Had they never read section 87 - link - which states why a default notice is necessary?

[Fred Bassett]

Re: Fred Bassett v Arrow Global

Here's the default they issued:


This gives 15 days between the date of the letter and the date by which I need to remedy it, but that doesn't allow for posting. I didn't keep the envelope it came in.

If 2 days is allowed for posting then my understanding is that this is defective. Is this correct?

Regards.

Fred

[oscar]

Re: Fred Bassett v Arrow Global

I have long believed that the Moron Bank of North America liked to do things their own way, but I had never before seen that they had expressed in writing their utter contempt for the Consumer Credit Act 1974.

Had they never read section 87 - link - which states why a default notice is necessary?

Do you not know that they consider themselves exempt from many UK laws and practices because they are "an American Bank"

Their staff have even been trained to state as such in certain departments!

[mystery1]

Re: Fred Bassett v Arrow Global

Here's the default they issued:


This gives 15 days between the date of the letter and the date by which I need to remedy it, but that doesn't allow for posting. I didn't keep the envelope it came in.

If 2 days is allowed for posting then my understanding is that this is defective. Is this correct?

Regards.

Fred

4th September 2008 is a Thursday so it's not deemed served until Monday 8th. So although your sentiment is correct it's actually more in your favour than you think.

M1