MBNA to Moorcroft to Arden

[SXGuy]

Re: MBNA to Moorcroft to Arden

We have all been there!

You pay because you feel you should, you spent the money, why shouldnt you pay it back, we all know that way of thinking.

And when times get bad, you pay what you can.

But it gets to the point where you can no longer afford to pay there stupid interest rates, and no doubt over the years, paid them back ten fold with interest, enough is enough.

Threats is all they have, and for some it works, but stay at this forum, read threads and after just one hour, you will realise, they are just threats, and you ARE the one in control.

Dont worry about debt being passed to DCA's, the only difference is they like playing scare tatics more than OC's

[Never-In-Doubt]

Re: MBNA to Moorcroft to Arden

Hiya

Ok having read the documents this agreement is in fact enforceable, so that part of things goes out the window. Therefore the only option you have left is a formal complaint to the FOS regards the harassment and way in which you've been treated, which would down the 'unfairly treated' route.

Not brilliant news, but this is an agreement from 2003 and a lot of agreements from around this time (2001-2006) were 'good' by way of compliance within CCA. That said, have they defaulted you? Have you ever had a notice of termination?

Again, sorry but this is

[Never-In-Doubt]

Re: MBNA to Moorcroft to Arden

In January it was passed to Moorcroft (and Brittanica) then within a couple of weeks to Arden who are bombarding me with letters demanding I ring them or they will take me to court.

To get rid of Arden, send this - it'll force them to sit back and evaluate their position: ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

As for the phone calls, you should ignore them and/or consider sending one of these to whoever is hassling you: ---> Our Templates | Harassment & Intimidation Templates | Harassment by Telephone

[leopard lady]

Re: MBNA to Moorcroft to Arden

No probs, I was told it was in the first place so I'm no worse off than I was. I just need to know what to do about Arden. I haven't contacted them yet and have received 3 letters last week telling me to ring them. Can you advise me what to do, please? Sorry, croosed post!!!

So the threat o gram letter is saying I didnt receive an enforcable CCA, but I really have???????????

[Never-In-Doubt]

Re: MBNA to Moorcroft to Arden

No probs, I was told it was in the first place so I'm no worse off than I was. I just need to know what to do about Arden. I haven't contacted them yet and have received 3 letters last week telling me to ring them. Can you advise me what to do, please?

see above - quoted below for ease & reference...

To get rid of Arden, send this - it'll force them to sit back and evaluate their position: ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

As for the phone calls, you should ignore them and/or consider sending one of these to whoever is hassling you: ---> Our Templates | Harassment & Intimidation Templates | Harassment by Telephone

[leopard lady]

Re: MBNA to Moorcroft to Arden

sorry, our posts crossed!!!

I haven't had any calls since my complaint to MBNA. Surprised I've not had any from Arden - yet!!!

[leopard lady]

Re: MBNA to Moorcroft to Arden

Can you just confirm that I am OK to send this even though you say that the CCA is enforceable? Will arden not know that I have been sent a CCA by mbna?

Sorry for all the questions but would like to get my head round what the contents of the letter means and why i'm sending it, thanks.

[Deepie]

Re: MBNA to Moorcroft to Arden

Can you just confirm that I am OK to send this even though you say that the CCA is enforceable?
Yes your ok to send that.... Will arden not know that I have been sent a CCA by mbna? No

Sorry for all the questions but would like to get my head round what the contents of the letter means and why i'm sending it, thanks.

Your blagging it....

[leopard lady]

Re: MBNA to Moorcroft to Arden

ah, I see!!! What would I do if they call my bluff?

[Deepie]

Re: MBNA to Moorcroft to Arden

ah, I see!!! What would I do if they call my bluff?

let's see what happens..... long way off yet

[leopard lady]

Re: MBNA to Moorcroft to Arden

OK, It will give me chance to get my SAR back from MBNA anyway. Thanks.

[leopard lady]

Re: MBNA to Moorcroft to Arden

No more letters from Arden, no reply to threatagram yet, but just received the sar. It looks a bit daunting, can anyone give me a clue what I'm looking for please? thanks

[leopard lady]

Re: MBNA to Moorcroft to Arden

Hi just wondered if anyone could advise me what to look for, and also what to expect back from Arden please?

[Wishfull]

Re: MBNA to Moorcroft to Arden

hi it will be worth an hour or so of your time to read some of the unenforceable diaries on here i did it makes some good reading and will educate you will take away most of your worrys it worked for me gave me my confidence back

[leopard lady]

Re: MBNA to Moorcroft to Arden

OK, first reply from Arden since sending the threatogram from this site. Still no proper reply to my request for original document.