help for hubby

[Deepie]

Re: help for hubby

Just had a quick read through the missing prescribed trems and am a little confused because they have sent a photocopy of the agreement & trems & conditions??

ssorry to be a pain this is all way out of my level
thanks in advance

Just had a read of your thread...it's hard for me to say having not seen the CCA

CCA Query - Missing Prescribed Terms
CCA Query - Application Form Received
CCA Query - Terms & Conditions Received
CCA Query - Copy Document Received
CCA Query - Forged Document Received

See which one fits the bill......

[ali2012]

Re: help for hubby

Just had a quick read through the missing prescribed trems and am a little confused because they have sent a photocopy of the agreement & trems & conditions??

ssorry to be a pain this is all way out of my level
thanks in advance

[Deepie]

Re: help for hubby

Niddy has already seen the documentation he said it was unenforcable ?? last year when this lot all started ( when MBNA passed the debt to Arrow Global who then passed the debt to Arc)

I Would send this then if it were me ---> CCA Query - Missing Prescribed Terms

[ali2012]

Re: help for hubby

Niddy has already seen the documentation he said it was unenforcable ?? last year when this lot all started ( when MBNA passed the debt to Arrow Global who then passed the debt to Arc)

[Deepie]

Re: help for hubby

Hubby had a letter today from ArcEurope saying

what do we do now?

Send to Niddy for a look ----> agreements@all-about-debt.co.uk

[ali2012]

Re: help for hubby

Hubby had a letter today from ArcEurope saying

Please find enclosed a copy of you agreement from our client which shows you agreed to the terms and conditions of the contract, as we have now provided you with this documentation we require payment on this account

it goes on to say how he can make payment, then the last paragraph says

We wish to make it quite clear that unless a payment is made to us within the next 14 days, along with a firnm offer to clear the rest of the overdue balance, we will have to notify our client that we do not have a repayment arrangement with you and in those circumstances we will obtain our clients instructions on what action they want us to take to recover this debt. We will therefore suggest that it is very much in your interest to call us immediately when you recieve this letter.

It does contain the agreement documentation

what do we do now?

[MrsD]

Re: help for hubby

thank you and do keep us posted, it's a game and you just need to keep playing

[ali2012]

Re: help for hubby

Thank you,
I will keep you posted

[MrsD]

Re: help for hubby

no you usually send the cheque only once with your original CCA request, over the life of just one debt, you may well be sending this quite a few times, some of ours have been through 5/6 DCAs so far....................

[ali2012]

Re: help for hubby

Ok thanks ive just printed one off will post it tomorrow. Im sure weve already sent one of these but still.
Do I send the usual £1 cheque?

Many Thanks

[MrsD]

Re: help for hubby

pop off a sold in dispute to Arrow

Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

[ali2012]

Re: help for hubby

Today Hubby had a letter from Arrow Global saying:-

We write furthur to your letter recent letter and refer you to our letter dated 30th March 2012 in which we complied with your request under section 77 of the consumer credit act.

Please now provide a proposal for repayment of your debt. Failure to do so will result in the continuation of collection activity.

then it gives the telephone number and address

What do we do now?? Do we reply if so what do we say?

Thanks in advance

[MrsD]

Re: help for hubby

personally I'd wait and see what they do next

this is the way it works....................

[ali2012]

Re: help for hubby

Hi all,
Hubby had a letter from ARC today basically saying they are a collection agency and are authorised by Arrow Global to write to him about in connection with the matter, they have acted in accordance with their clients instructions and within current collection legislastions...........

They also add
"Our client is unaware of an outstanding dispute or document request. However, we have passed your comments to our client and we are awaiting their instruction. We will be in contact in due course with their reply"

We did have to CCA come from Arrow Global ( see earlier in the thread) but The only 'correspondance' weve had from Arrow Global is when they said collections would be suspended pending provision of the documents ????
What does Hubby do now? Anything? Nothing?
Is this what usually happens when youve questioned the enforacability?
Thanks in advance
Ali

[ali2012]

Re: help for hubby

Thank you I will get onto it straight away. That will put nhis mind at rest
Ali