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Re: help for hubby
is this the same stuff?
where did you get the first lot that Niddy saw?
is this the same stuff?
where did you get the first lot that Niddy saw?
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Re: help for hubby
I was advised (by the forum) to send for it I emailed it to Niddy who said it was unenforcable.
Its a copy of what came the first (and second time - by different companies)
thanks
AliComment
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Re: help for hubby
I would send off another missing prescribed terms if it is the same stuff, this is how it goes unfortunately, round and round and round until we're all dizzy and it finally becomes SBComment
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Re: help for hubby
SB?
This debt was sold by MBNA to Arrow Global passed onto Arc Europe and now Rockwell.
I will send a missing prescribed terms letter
Thanks
AliComment
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Re: help for hubby
SB means statute barred, when you haven't made any payments or acknowledged that it is your account for 6 years or 5 in Scotland.
Asking for the agreement or the follow up template letters does not interfere with the count down.I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: help for hubby
SB -statute barred.
This is six years in England (five in Scotland) and after this time the creditor can't take you to court.Let your smile change the world but don't let the world change your smile
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: help for hubby
Oh thanks for that.
Not sure which date the statute barred goes from? I presume when Arrow Global was sold the account from MBNA
Thanks again
AliComment
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Re: help for hubby
Hi, SB is not from when the account was sold, unless that was when the last payment was made.I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: help for hubby
Oh it goes from the last payment?
wow that was a while back. Thats how we found out the account was sold.................. MBNA and my hubby made an agreement that £5 per month would be paid and the interest froze this went on for a few months then hubby didnt get a monthly bill so he rang MBNA to find out why and was told they no longer managed his account. Then Arrow Global got intouch.
Thank youComment
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Re: help for hubby
any last payment (so your £5 would count)
then it's six years from the last one of those.Comment
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Re: help for hubby
Thank you
AliComment
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Re: help for hubby
Need some advice again please
Hubby had letter from Rockwell today which reads as follows
We write in response to your letter dated 11 November.
We can advise upon reciept of your correspondence we referred the matter to our client for investigation. We have been instructed that our client is satisfied that all previous documents sent to you fully comply with the CCA and the debt is therefore, full enforcable. In addition, our client has advised that they sent a letter in March which confirmed this.
Whilst we appreciate this may not be the response you had hoped for, we trust we have made our clients position clear.
We shall be gratreful therefore, if you will provide us with repayment of the outstanding sum within the next 30 days. If you are unable to afford full repayment at this time please complete and return the enclosed financial statement within the above mentioned 30 day period.
What do we do now?Comment
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Re: help for hubby
I'd just do a one liner referring them to your prescribed terms letter and point out the points have not been addressed.Comment
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I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: help for hubby
I will do a letter tonight and date it 27th Dec and post it then, thank you is something like....
I refer once again to my letter dated ??/??/?? and note you have not noted its full contents.
ok?
Thanks again
AliComment
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