Fred Bassett v Arrow Global

[Fred Bassett]

Re: Fred Bassett v Arrow Global

ok let's start with

Our Templates | Unenforceability Templates | CCA Query - Application Form Received

Thanks Mrs D, but that's not what they've sent me.

I'd previously received a copy of an application form when I CCA'd MBNA, I only CCA'd Arrow Global to see what they'd got. The answer is nothing, but they have sent me a reconstituted agreement.

Cheers.

Regards.

Fred

[MrsD]

Re: Fred Bassett v Arrow Global

ok let's start with

Our Templates | Unenforceability Templates | CCA Query - Application Form Received

[Fred Bassett]

Re: Fred Bassett v Arrow Global

why did Niddy say it was UE

application form
missing prescribed terms?

I can't remember exactly. I think it was probably both. It was certainly an application form, barely legibly, and with most, if not all, of the prescribed terms missing.

Regards.

Fred

[MrsD]

Re: Fred Bassett v Arrow Global

why did Niddy say it was UE

application form
missing prescribed terms?

[Fred Bassett]

Re: Fred Bassett v Arrow Global

I've now had a reply from Arrow Global, here it is:

This is interesting because I had already CCA'd MBNA and various DCAs who have been chasing me for the past 5 years or so and I have always been sent a copy of a signed "agreement". This time they haven't even got that, just a reconsituted thing which is nowhere near like the original application form I signed. They have never before sent me anything approaching a proper agreement, but now they've conjured one up.

I have already had this checked out with Niddy and it is UE.

Anyway, with that in mind, what is the best reply to Arrow?

Cheers,

Fred

[Fred Bassett]

Re: Fred Bassett v Arrow Global

Of course they are the creditor. Are they daft!

I take it that was a rhetorical question?

[Fred Bassett]

Re: Fred Bassett v Arrow Global

Just a load of spherical objects! They are saying they are not the creditor under CCA1974 event though they are the assignees which is a contradiction, if they are not the creditor why are they asking you to pay?

But they are suspending all collection activity till they can send you the CCA which they'll have to obtain from MBNA. They probably can't find it! They are sort of admitting it's UE without saying it.

Sounds like good news

Cheers. Niddy already looked at what MBNA sent me years ago and declared it UE, which is what I suspected.

Regards.

Fred

[vint1954]

Re: Fred Bassett v Arrow Global

Of course they are the creditor. Are they daft!

[MrsD]

Re: Fred Bassett v Arrow Global

I would just wait and see what they come back with

[Fred Bassett]

Re: Fred Bassett v Arrow Global

Received this yesterday from Arrow Global:


They seem to be trying to tell me that they are going to deal with it even though they are not obliged to, which as far as I'm aware is complete bollocks. What's the significance of the sentence "we do not accept that we are the creditor as envisaged by the above statute"?

Cheers.

Fred

[Fred Bassett]

Re: Fred Bassett v Arrow Global

Didn't you get a 'Head of Customer Satisfaction' at MBNA? I did! He replied to my CCA request with a lot of bull regarding the 'fantastic feautures of my account' but no CCA...

I don't think I did, however I did receive the notorious 'pink pig' letter which makes me a fully-paid-up member of the MBNA fan club as far as I'm concerned.

Regards.

Fred

[Fred Bassett]

Re: Fred Bassett v Arrow Global

Of course, all cases are different but one of mine was passed to Westcot and the other one I haven't heard anything since I received a letter from OC saying that Fredrickson's were no longer managing my account (last October)

Oh I do hope it's Wescot, I really do. I've seen them off about 5 times now on various different accounts and one in particular springs to mind where I had them running around like blue-arsed flies.

I've got visions of some poor call-centre monkey choking on his black pudding sandwich when he sees my name appearing at the top of his hit list. Please God, let it be Wescot. They are easily the most useless DCA I've ever encountered and they're up against some pretty stiff competition.

Regards

Fred

[Pixie]

Re: Fred Bassett v Arrow Global

Thanks Pixie, I won't.

From experience, any idea who will be next in line?

Regards.

Fred

Of course, all cases are different but one of mine was passed to Westcot and the other one I haven't heard anything since I received a letter from OC saying that Fredrickson's were no longer managing my account (last October)

[Fred Bassett]

Re: Fred Bassett v Arrow Global

I wouldn't respond to Bryan carter unless they send you something...then post up here.

I've seen Bryan Carter off on 2 of my debts.

Thanks Pixie, I won't.

From experience, any idea who will be next in line?

Regards.

Fred

[vint1954]

Re: Fred Bassett v Arrow Global

Well done Fred.