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Hello AAD members this is the start of my diary-hope i set it out correctly.
Bit of background, I am currently suffering with anxiety and depression and on IB and have been for a number of years now, my partner works part time and is on a DMP with Payplan, we have two children, house is Mortgaged with about 60k equity
I had good jobs working for huge energy companys and media organisations, not Murdochs
without boring you with details I probably had a nervous breakdown without being hospitalised, my pride.... lost a lot of friends id had from school, I had been through 4 or 5 years of stress, looking back a hell of a lot of stress and run into debt and couldn't pay my bills.
Although im in debt, im quite savy with money and took a risk putting my mortgage onto a tracker that tracks 0.25% above base rate for life, its saved our home if im honest, for now anyway.
I will add to the diary but for now ill start with MBNA who sold my account to Arrow global in 2011 i think!
I was paying MBNA or there collections £5 pm, they sold the debt to Arrow global and Frederickson international were running the acc for them, I continued to pay MBNA who forwarded it to Fredrickson, I was paying by post office card.
Lots of letter tennis between me frederickson and Bryan carter-threats from Bryan carter about court claims, loads of phone calls as you can guess.
in the end after help from someone I wrote them a letter stating they were harassing me, id been paying what i could afford to MBNA and now they purchased the debt I would continue paying them £5.
I wrote and told them that when they purchased the debt, they must have been aware of my situation and so I would continue to pay what i had agreed to pay MBNA.
They backed off until last week when out of the blue they Arrow Global sent me a reply to a cca request id sent Carter or Frederickson with a CC agreement, not dated but signed.
So im presuming they are going to try for a CCJ and wanted to know if it was UE or not.
MBNA credit card
date commenced 2003
Approx balance £4529
Date last paid not to sure of the date i made a last full payment
I Was paying £5 pm to MBNA and then to Frederickson international on behalf of Arrow global
Defaulted March 2011
Account owner Arrow global Guernsey, although they say communicate via Manchester office, was communicating with Frederickson international and Bryan carter.
I will email Niddy now.
Bit of background, I am currently suffering with anxiety and depression and on IB and have been for a number of years now, my partner works part time and is on a DMP with Payplan, we have two children, house is Mortgaged with about 60k equity
I had good jobs working for huge energy companys and media organisations, not Murdochs
without boring you with details I probably had a nervous breakdown without being hospitalised, my pride.... lost a lot of friends id had from school, I had been through 4 or 5 years of stress, looking back a hell of a lot of stress and run into debt and couldn't pay my bills.Although im in debt, im quite savy with money and took a risk putting my mortgage onto a tracker that tracks 0.25% above base rate for life, its saved our home if im honest, for now anyway.
I will add to the diary but for now ill start with MBNA who sold my account to Arrow global in 2011 i think!
I was paying MBNA or there collections £5 pm, they sold the debt to Arrow global and Frederickson international were running the acc for them, I continued to pay MBNA who forwarded it to Fredrickson, I was paying by post office card.
Lots of letter tennis between me frederickson and Bryan carter-threats from Bryan carter about court claims, loads of phone calls as you can guess.
in the end after help from someone I wrote them a letter stating they were harassing me, id been paying what i could afford to MBNA and now they purchased the debt I would continue paying them £5.
I wrote and told them that when they purchased the debt, they must have been aware of my situation and so I would continue to pay what i had agreed to pay MBNA.
They backed off until last week when out of the blue they Arrow Global sent me a reply to a cca request id sent Carter or Frederickson with a CC agreement, not dated but signed.
So im presuming they are going to try for a CCJ and wanted to know if it was UE or not.
MBNA credit card
date commenced 2003
Approx balance £4529
Date last paid not to sure of the date i made a last full payment
I Was paying £5 pm to MBNA and then to Frederickson international on behalf of Arrow global
Defaulted March 2011
Account owner Arrow global Guernsey, although they say communicate via Manchester office, was communicating with Frederickson international and Bryan carter.
I will email Niddy now.
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