help for hubby

[Never-In-Doubt]

Re: help for hubby

Thanks SH - totally agree.

[ScabHunter]

Re: help for hubby

HELP!!!
Hubby has just recieved a letter from a company named ARCEUROPE ltd
they state that the account remains unpaid and has now been passed to them for collection.
and
'We wish to make it clear that unless a substantial payment is made to us within the next 10 days along with a firm 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 furthur action they want us to take to recover this debt. We therefore sugest that it is very much in your interest to call us immediately after you recieve this letter.'

then states not to ignore this letter or the time limits they have referred to.

What do we do?
we still havent got the money to pay
thanks in advance
Ali2012

What a load of bollocks. For a letter designed to frighten people, it isn't doing a very good job. "You MUST comply with our orders, or we'll tell our Mummy and then start crying."

Send them this -

Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

I'd post it at the end of the week so it gets there early next week. That way they won't have much time to send out any more crap before the break.

SH

PS What the hell do you want to pay them for? Boss says

[ali2012]

Re: help for hubby

HELP!!!
Hubby has just recieved a letter from a company named ARCEUROPE ltd
they state that the account remains unpaid and has now been passed to them for collection.
and
'We wish to make it clear that unless a substantial payment is made to us within the next 10 days along with a firm 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 furthur action they want us to take to recover this debt. We therefore sugest that it is very much in your interest to call us immediately after you recieve this letter.'

then states not to ignore this letter or the time limits they have referred to.

What do we do?
we still havent got the money to pay
thanks in advance
Ali2012

[ali2012]

Re: help for hubby

Thanks for the replies yes they are both stickers ( it seems to be a photocopy of the form though nothing else is different at all apart from the sticker barcode)
Thanks
Ali 2012

[Never-In-Doubt]

Re: help for hubby

I'm explicitly suggesting they used a previous or later app from same customer.

Point is that in itself only adds to the argument it's a recon which we know. I've seen mbna say they've added a new sticker at card change or sale of debt so not immaterial then. Let's call it additional to the main breaches that make it ue

Cheers mate

[oscar]

Re: help for hubby

This is already UE so the barcode is immaterial as it holds no legal value other than to say "its different" to which they'll say "it's a recon that's why".

or it could be a completely different application belonging to a different customer. Didnt think they could recon by deleting one persons details and adding another!!

[Never-In-Doubt]

Re: help for hubby

maybe not. MBNA used to use a barcode for every application. Would depend on how the barcode looks, and if there is a number directly below it. Would possibly look like a sticky label (if it's what I am thinking)

yep exactly mate (ie it is a sticker style thing in the top corner) buuuuuut it does not affect enforceability- remember they can recon from other sources (ie other applications etc).

This is already UE so the barcode is immaterial as it holds no legal value other than to say "its different" to which they'll say "it's a recon that's why".

[oscar]

Re: help for hubby

thats immaterial in every sense

maybe not. MBNA used to use a barcode for every application. Would depend on how the barcode looks, and if there is a number directly below it. Would possibly look like a sticky label (if it's what I am thinking)

[Never-In-Doubt]

Re: help for hubby

thats immaterial in every sense

[ali2012]

Re: help for hubby

Just wondered seeing as the bar codes are different

thanks
Ali2012

[MrsD]

Re: help for hubby

I'd just wait and see what else they send

[ali2012]

Re: help for hubby

Just an update - Hubby recieved a copy of his CCA (obtained by Arrow Global from MBNA) its exactly the same as the one MBNA sent to him apart from on the upper left corner there is a bar code which is different on both copies???
An accompanying letter states that they are still awaiting copies of statements and collection activity will remain on hold pending the provision of them.

Any advice please
thanks
ali 2012

[Never-In-Doubt]

Re: help for hubby

Did you get my email with the attatched letter Niddy ?
Thanks
Ali2012

yep sorry for the delay - just ignore this for now..... wait for the CCA

[ali2012]

Re: help for hubby

ok thank you I will wait and see what they next contact us with. Hopefully we will be kept informed but like you say no news is good news
Ali2012

[CleverClogs (RIP)]

Re: help for hubby

MBNA only contact me every Xmas

That's nice.

What did you give them last year?