help for hubby

[MrsD]

Re: help for hubby

is this the same stuff?

where did you get the first lot that Niddy saw?

[ali2012]

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
Ali

[MrsD]

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 SB

[ali2012]

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
Ali

[cymruambyth]

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.

[Pixie]

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.

[ali2012]

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
Ali

[cymruambyth]

Re: help for hubby

Hi, SB is not from when the account was sold, unless that was when the last payment was made.

[ali2012]

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 you

[MrsD]

Re: help for hubby

any last payment (so your £5 would count)
then it's six years from the last one of those.

[ali2012]

Re: help for hubby

Thank you
Ali

[ali2012]

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?

[MrsD]

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.

[Deepie]

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?

I'd just do a one liner referring them to your prescribed terms letter and point out the points have not been addressed.

And wait until after Christmas too reply...........

[ali2012]

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
Ali