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Re: clueless24 UE Diary
Good Evening Folks, Does anyone have any thoughts on the return of my £1 cheque is it significant in any way? Do I need to do anything,
Originally posted by clueless24
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MBNA
Credit Card
Commenced 17-2-07
Bal £12k
Last paid 5-3-10 required monthly minimum amount
Arrangement £1pm last paid 1-11-10
Status Default
Acc owner MBNA, AIC, Fredricksons, ARC, Arrow, Rossendales, Dms. R'wells, Drydenfairfax Solicitor
3-2-11 CCA request sent
7-2-11 Delivered
21-2-11 CCA received
25-2-11 E-mailed Niddy the CCA
26-2-11 NIDDY SAY UE WHOOO HOOO!!! sent CCA query copy doc supplied
25-3-11 Received letter from Allied International Credit they are reviewing my file with Collection & Litigation Dept to consider if further action is required. However a one off early settlement offer is available at a 50% discount on the balance o/s to be paid on or before the 31st March and neither we nor our client will pursue you further in regards to the above account.
23-3-11 Ignore letter above
18-6-11 Received letter today from MBNA dated 24-5-11 (I have kept the envelope) in response to my letter of the 26-2-11 as above ? copy doc supplied. Saying they have supplied a true copy under sec 78, goes on to confirm date and how account was opened tick box, on line etc. We are satisfied that the regulated credit agreement into which we entered satisfies all relevant legal and regulatory requirements. As such there is no need to seek an enforcement order in order to exercise our rights
20-6-11 Niddy advises to ignore and update when I hear from FOS re PPI mis-sold
24-6-11 Letter from FOS upholding claim for miss-selling of PPI. MBNA have agreed to make a proposed offer of settlement and will write within 8 weeks but will be following FOS general approach for miss-sold policy.
8-7-11 Letter from F.O.S advising that MBNA will aim to complete the payment within the next 8 weeks
11-7-11 Letter received from MBNA (dated 8-7-11) We are taking further action to recover your debt. Following previous correspondence, which confirmed the termination of your MBNA credit agreement, please note you are still required to repay your debt. We have decided that we will take the action of placing your debt with a DCA to collect on our behalf. We will pass all your details to Fredrickson Int.
Letter from Fredrickson Int (dated 11-7-11) Do not ignore immediate payment required, we have been instructed by MBNA who have passed this account to us for collection of the outstanding balance. You must contact us immediately.
11-7-11 sent Acc sold whilst in default.
29-7-11 Received letter from Fred Int. We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions. In the meantime we confirm that we have placed the account on hold.
10-9-11 Letter re PPI reclaim advising that a cheque will be sent within next 28 days to settle claim. I bet they don't as account is in default, but it would be nice.
Cheque arrived today, anyone need a sub?
18-11-11 Letter from Fred Int Account on hold for 28 days to give me time to contact our client send £1 for info etc.
17-12-11 Letter from Fred Int This debt must be paid within 7 days otherwise we will take immediate action, court fees of £190 and solicitors costs of £100 will be added to the debt. If a judgement or decree remains unsatisfied we may seek an enforcement or instruct a bailiff or sherrif officer to recover assets to discharge the o/s debt.
12-1-12 Letter from Fred Int we have referred the matter to our client and will revert to you as soon as we are in receipt of instructions, in the meantime we confirm that we have placed the account on hold.
24-1-12 Letters from MBNA and Arrow (notice of assignment) advising Fred Int will manage account and I should contact them asap to arrange repayment.
4-4-12 Letter from ARC Europe Ltd. The account remains unpaid and has now been passed to us for collection. We wish to make it quite clear that unless a substantial payment is made to us within the next ten days along with a firm offer to clear the rest of the overdue balance, we will have to notify our client and seek further instructions on what action they want us to take to recover this debt. We therefore suggest that it is very much in your interest to call us immediately on receipt of this letter. DO NOT IGNORE THIS LETTER OR THE TIME LIMITS WE HAVE REFERRED TO.
Sent Account sold in dispute.
17-4-12 Letter from ARC. ARC is a debt collection agent acting in good faith on the instructions received from a "disclosed" principle, namely, Arrow. We are therefore authorised to write to you in connection with the above matter and have acted in accordance with our clients instructions and within current legislation and guidance. We reserve the right to produce our correspondence to any Tribunal, regulatory body or investigating authority to prove our compliance and good conduct in this matter. Our client is unaware of an outstanding dispute on this account we have referred your request for a copy of your agreement to our client, account on hold pending further instructions from our client.
10-5-12 Letter from ARC enclosing CCA a signed copy of the agreement (not signed as did it on line but know that it's irrelevant) which shows you agreed to the T&C of the contract, we require payment on this account. We wish to make it quite clear that unless payment is made in the next 14 days we will have to notify our client that we do not have a repayment plan and in those circumstances we will obtain our clients instructions on what further action they want us to take to recover this debt. Call us immediately.
Sent Query CCA template again
20-5-12 Letter from Arc in response to letter of the 10-5-12, We are instructed that the documents sent to you on the 9-5-12 are in the valid form. You may want to seek independent legal advice on this matter.
Pay the balance. Provide a full financial statement showing incoming, outgoings and a list of creditors with your token offer of payment, contact CAB, CCCS, Payplan and ND for free advice. We wish to make it quite clear that unless a payment is made to us within the next 14 days, along with a firm offer to clear the rest of the overdue balance, we will 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 further action they want us to take to recover this debt. Call us immediately.
I2D p378 Ignore for now
9-6-12 Letter from ARC. We refer to our previous letter and note that we have not received any or insufficient response the balance remains unpaid we are now obliged to report this to our client with regards to further action we must now take. We reserve the right to produce this letter to show compliance and good conduct. It had been our genuine intention to avoid referring the matter to our client but without your proposals we must obtain their firm instructions. Call and pay now.
I2D p382 Send Final response general template
13-6-12 Letter from ARC Europe. Whilst we note the comments of your letter 4-6-12 we are instructed that the documents sent to you with our letter dated 9-5-12 are in valid form, you may want to seek independent legal advice on this matter. The balance remains outstanding. We understand you received a payment of £1300.00 in response to your PPI query. We wish to make it quite clear that unless a 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 and obtain instructions on what further action they want us to take. In this respect you may wish to use your PPI refund towards clearing the balance outstanding.
I2D p386 Send one liner asking them to read letter of the 4-6-12 and enclose copy.
21-6-12 Letter from ARC. We refer to our previous letters and that we have still not received your response. you should be aware that we have now reported this fact to our client which will allow it to consider the further action that has to be taken to recover this debt. When that action is taken, both this letter and our previous letter can be produced to prove that you were given every opportunity to enter into negotiations but you failed to accept that invitation. Call and pay now
I2D send enough is enough template
28-6-12 Several phone calls so have sent Telephone Harassment letter
30-6-12 Letter from ARC. We are acting in good faith for Arrow, we have acted within current legislation we reserve the right to produce our correspondence to any tribunal, regulatory body or investigating authority to prove our compliance and good conduct in this matter. We are instructed that the documents sent are valid and the agreement is enforceable. You may want to seek independent legal advice on this matter. Balance must be paid forthwith or client will accept a repayment plan please send a list of all creditors, a full financial statement I&E etc. Please take this as our final response on the matter pay within 14 days or we will notify client and we will obtain our clients further instructions etc.
We acknowledge your request that we do not telephone you and will comply with that request provided you send payment as requested or your tenable dispute/defense within 14 days on which we can refer to our client for further instructions.
3-9-12 Letter from Rossendales.(dated 20-8-12)Your debt has been passed to us. We are instructed that you have ignored previous requests for payment and we intend to recover your outstanding debt immediately. Unless you pay us the debt amount within 7days or contact us immediately with your proposals recovery action will commence.
p433 Will ignore the letter and see what they send next and send telephone harassment letter.
14-9-12 Letter from Rossendales. You have failed to respond to our previous letter. This may result in further action being taken against you. You should be in no doubt that payment of that which you owe will be pursued and the company will utilise its expertise in the management of data. TO PREVENT THIS MATTER PROCEEDING FURTHER YOU SHOULD MAKE A PAYMENT IN FULL NOW. Phone immediately to avoid action if we do not hear from you within 7 days collection procedures will continue.
p443 Send Account sold in dispute.
15-9-12 Letter from R'dales in response to telephone harassment letter, the contents have been noted to file. We can confirm that the outstanding balance is in relation to MBNA the agreement was originally taken out on xx/xx/2007 whilst you were at the address of,(it lists the address I am at now and not the address I was at, at the time I took out the loan) Contact our office now to discuss repayment subsequently preventing further recovery action being taken.
10-1-13 Letter from R'Dales Your debt has been passed to us by the above clients (Arrow) we are instructed that you have ignored previous requests for payment and we intend to recover your outstanding debt immediately. You have 7 days or recovery action will commence..
p455 Account sold in dispute letter sent.
19-1-13 Letter from R'Dales. Account on hold whilst we investigate.
27-3-13 Letter from R'Dales Further to your recent request please find enclosed copy documents to support the recovery of the account.
p509 Send missing PT
6-4-13 Letter from R'dales account on hold whilst we investigate.
18-4-13 Letter from R'dales. We are still investigating your complaint I will write again within the next 10 days.
19-4-13 Letter from R'dales. We are acting on behalf of Arrow a debt purchasing company who bought your debt from Virgin Money in your name which appears to be related to the address (I'm at now). We sent you a copy of your credit agreement in Sep 2012 but enclose another copy. If you wish to discuss settlement please call our office.
28-05-13 Letter from Debt managers (Services) Ltd. First contact from this lot, As you have been advised by our client Arrow Global (No I haven't) your overdue account has been referred to ourselves for immediate collection. All future contact and payments should be made direct to us. Balance must be paid in full today.
Sent account sold in dispute.
12-6-13 Letter from DMS offering a generous discount if I contact them to arrange repayment of this debt.
I shall ignore for now.
17-6-13 Letter from DMS Account on hold whilst we investigate your complaint.
2-7-13 Letter from DMS Account still on hold whilst we investigate.
30-7-13 Letter from DMS Acc on hold whilst we investigate.
21-8-13 Letter from DMS Further to my letter dated the 30-7-13 our client has advised that you need to make your CCA request to them as they are now the legal owners of the account, please send your request direct to Arrow Global as our file on this matter is now closed.
2-12-13 Letter from R'well We have been instructed by Arrow to contact you regarding the account, it must be paid in full within the next 10 days otherwise we will take immediate action.
Sent Account sold in dispute.
14-12-13 Letter from R'well We note your comments and have sought further information from our client.
13-3-14 Letter from R'well A copy of the executed agreement and statement is enclosed we have satisfied your request to provide a copy. Having satisfied the agreement advise you that is fully enforceable, no further correspondence, mbna no longer own the account if I want further docs I must sent a fresh request to Arrow with £1 fee. I have 30 days to pay outstanding amount, collection and defaults will continue.
Sent Missing prescribed terms
28-3-14 Letter from R'well. We note your comments and have sort further info from our client.
7-4-14 letter from R'well. Enclosing another copy of cca, request satisfied, no further correspondence, enforceable will continue to collect, under cca request we do not have to provide a copy of the cca, MBNA were unable to locate a copy of the signed agreement but would not have opened a credit facility without a signed agreement.
16-5-14 Letter from R'well We note your comments that you believe the agreement is unenforceable, clients have confirmed it is enforceable. In addition arrow have also advised that they have not received an official request for docs from you under cca, only a request for a copy of your agreement. You should submit a fresh request to Arrow with £1 fee. Provide us with a repayment plan within next 30 days and return enclosed I&E form.
14-6-14 Letter from R'well. We are here to help reduction for settlement, we need to talk please contact us.
14-7-14 Letter from R'well We want to work with you and may be able to offer a reduced settlement, your account may be passed to Fenton Cooper.
I shall wait and see what comes next.
12-8-14 Letter from F'Cpr we are now dealing with this account on behalf of Arrow G please call us.
I shall see what comes next.
8-10-14 Letter from Arrow notification of account transfer to a new agency now with dry'fax please call them to make payments.
I shall wait to see what comes next.
18-10-14 Letter from Dry'Fax Solicitors. Our client is keen to agree how you will repay the balance, we will continue to contact you by telephone, if we do not hear from you within the next 7 days our client may instruct us to issue legal proceedings which could result in CCJ
Sent SWID & Telephone Harassment (signed for on the 22-10-14)
20-10-14 Sent CCA request
22-10-14 Letter from Dry'Fax Solicitors. We have written to you and advised you that it is our clients intention to take legal action should acceptable proposals not be made to repay this debt. In the event if we do not hear from you by the 3-11-14 we hold instructions to issue legal proceedings with a view to obtaining a CCJ once judgement has been obtained we may.
1) Application for an attachment of earning.(not working but they can take my DLA if they want)
2) Application for a warrant of control, this enables a bailiff to attend the address to take goods to the value of the judgement. (YIKES !!!!!!!!!!!!)
3) Application for a charge on your property (I do not own my home it is a Local Authority)
No further notice will be provided and if legal proceedings are issued there will be additional costs incurred which you may be liable for. If you are unable to make immediate payment, please contact us immediately.
Sent one liner acknowledging letter and asking them to deal with my letter of the 18-10-14
29-10-14 Send LBA
22-11-14 Letter from Dry'Fax We are investigating your complaint and hope to resolve within 8 weeks.
29-11-14 Letter from Dry'fax We do not believe we have been unreasonable in in the amount of times we have called you but agree to delete my phone number from their records and only contact in writing therefore unable to record your complaint as upheld. We have made a request to our client for a copy of your CCA and account on hold whilst this is dealt with.
15-12-14 Letter from Arrow thank you for your letter of the 20-10-14 sent to Dry Fax it has been passed to us as the assignees we acknowledge request for CCA. We will now process request with original creditor and will revert in due course. All collection activity suspended pending provision of the documentation. Your payment of £1 is returned.
Credit Card
Commenced 17-2-07
Bal £12k
Last paid 5-3-10 required monthly minimum amount
Arrangement £1pm last paid 1-11-10
Status Default
Acc owner MBNA, AIC, Fredricksons, ARC, Arrow, Rossendales, Dms. R'wells, Drydenfairfax Solicitor
3-2-11 CCA request sent
7-2-11 Delivered
21-2-11 CCA received
25-2-11 E-mailed Niddy the CCA
26-2-11 NIDDY SAY UE WHOOO HOOO!!! sent CCA query copy doc supplied
25-3-11 Received letter from Allied International Credit they are reviewing my file with Collection & Litigation Dept to consider if further action is required. However a one off early settlement offer is available at a 50% discount on the balance o/s to be paid on or before the 31st March and neither we nor our client will pursue you further in regards to the above account.
23-3-11 Ignore letter above
18-6-11 Received letter today from MBNA dated 24-5-11 (I have kept the envelope) in response to my letter of the 26-2-11 as above ? copy doc supplied. Saying they have supplied a true copy under sec 78, goes on to confirm date and how account was opened tick box, on line etc. We are satisfied that the regulated credit agreement into which we entered satisfies all relevant legal and regulatory requirements. As such there is no need to seek an enforcement order in order to exercise our rights
20-6-11 Niddy advises to ignore and update when I hear from FOS re PPI mis-sold
24-6-11 Letter from FOS upholding claim for miss-selling of PPI. MBNA have agreed to make a proposed offer of settlement and will write within 8 weeks but will be following FOS general approach for miss-sold policy.
8-7-11 Letter from F.O.S advising that MBNA will aim to complete the payment within the next 8 weeks
11-7-11 Letter received from MBNA (dated 8-7-11) We are taking further action to recover your debt. Following previous correspondence, which confirmed the termination of your MBNA credit agreement, please note you are still required to repay your debt. We have decided that we will take the action of placing your debt with a DCA to collect on our behalf. We will pass all your details to Fredrickson Int.
Letter from Fredrickson Int (dated 11-7-11) Do not ignore immediate payment required, we have been instructed by MBNA who have passed this account to us for collection of the outstanding balance. You must contact us immediately.
11-7-11 sent Acc sold whilst in default.
29-7-11 Received letter from Fred Int. We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions. In the meantime we confirm that we have placed the account on hold.
10-9-11 Letter re PPI reclaim advising that a cheque will be sent within next 28 days to settle claim. I bet they don't as account is in default, but it would be nice.
Cheque arrived today, anyone need a sub?
18-11-11 Letter from Fred Int Account on hold for 28 days to give me time to contact our client send £1 for info etc.
17-12-11 Letter from Fred Int This debt must be paid within 7 days otherwise we will take immediate action, court fees of £190 and solicitors costs of £100 will be added to the debt. If a judgement or decree remains unsatisfied we may seek an enforcement or instruct a bailiff or sherrif officer to recover assets to discharge the o/s debt.
12-1-12 Letter from Fred Int we have referred the matter to our client and will revert to you as soon as we are in receipt of instructions, in the meantime we confirm that we have placed the account on hold.
24-1-12 Letters from MBNA and Arrow (notice of assignment) advising Fred Int will manage account and I should contact them asap to arrange repayment.
4-4-12 Letter from ARC Europe Ltd. The account remains unpaid and has now been passed to us for collection. We wish to make it quite clear that unless a substantial payment is made to us within the next ten days along with a firm offer to clear the rest of the overdue balance, we will have to notify our client and seek further instructions on what action they want us to take to recover this debt. We therefore suggest that it is very much in your interest to call us immediately on receipt of this letter. DO NOT IGNORE THIS LETTER OR THE TIME LIMITS WE HAVE REFERRED TO.
Sent Account sold in dispute.
17-4-12 Letter from ARC. ARC is a debt collection agent acting in good faith on the instructions received from a "disclosed" principle, namely, Arrow. We are therefore authorised to write to you in connection with the above matter and have acted in accordance with our clients instructions and within current legislation and guidance. We reserve the right to produce our correspondence to any Tribunal, regulatory body or investigating authority to prove our compliance and good conduct in this matter. Our client is unaware of an outstanding dispute on this account we have referred your request for a copy of your agreement to our client, account on hold pending further instructions from our client.
10-5-12 Letter from ARC enclosing CCA a signed copy of the agreement (not signed as did it on line but know that it's irrelevant) which shows you agreed to the T&C of the contract, we require payment on this account. We wish to make it quite clear that unless payment is made in the next 14 days we will have to notify our client that we do not have a repayment plan and in those circumstances we will obtain our clients instructions on what further action they want us to take to recover this debt. Call us immediately.
Sent Query CCA template again
20-5-12 Letter from Arc in response to letter of the 10-5-12, We are instructed that the documents sent to you on the 9-5-12 are in the valid form. You may want to seek independent legal advice on this matter.
Pay the balance. Provide a full financial statement showing incoming, outgoings and a list of creditors with your token offer of payment, contact CAB, CCCS, Payplan and ND for free advice. We wish to make it quite clear that unless a payment is made to us within the next 14 days, along with a firm offer to clear the rest of the overdue balance, we will 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 further action they want us to take to recover this debt. Call us immediately.
I2D p378 Ignore for now
9-6-12 Letter from ARC. We refer to our previous letter and note that we have not received any or insufficient response the balance remains unpaid we are now obliged to report this to our client with regards to further action we must now take. We reserve the right to produce this letter to show compliance and good conduct. It had been our genuine intention to avoid referring the matter to our client but without your proposals we must obtain their firm instructions. Call and pay now.
I2D p382 Send Final response general template
13-6-12 Letter from ARC Europe. Whilst we note the comments of your letter 4-6-12 we are instructed that the documents sent to you with our letter dated 9-5-12 are in valid form, you may want to seek independent legal advice on this matter. The balance remains outstanding. We understand you received a payment of £1300.00 in response to your PPI query. We wish to make it quite clear that unless a 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 and obtain instructions on what further action they want us to take. In this respect you may wish to use your PPI refund towards clearing the balance outstanding.
I2D p386 Send one liner asking them to read letter of the 4-6-12 and enclose copy.
21-6-12 Letter from ARC. We refer to our previous letters and that we have still not received your response. you should be aware that we have now reported this fact to our client which will allow it to consider the further action that has to be taken to recover this debt. When that action is taken, both this letter and our previous letter can be produced to prove that you were given every opportunity to enter into negotiations but you failed to accept that invitation. Call and pay now
I2D send enough is enough template
28-6-12 Several phone calls so have sent Telephone Harassment letter
30-6-12 Letter from ARC. We are acting in good faith for Arrow, we have acted within current legislation we reserve the right to produce our correspondence to any tribunal, regulatory body or investigating authority to prove our compliance and good conduct in this matter. We are instructed that the documents sent are valid and the agreement is enforceable. You may want to seek independent legal advice on this matter. Balance must be paid forthwith or client will accept a repayment plan please send a list of all creditors, a full financial statement I&E etc. Please take this as our final response on the matter pay within 14 days or we will notify client and we will obtain our clients further instructions etc.
We acknowledge your request that we do not telephone you and will comply with that request provided you send payment as requested or your tenable dispute/defense within 14 days on which we can refer to our client for further instructions.
3-9-12 Letter from Rossendales.(dated 20-8-12)Your debt has been passed to us. We are instructed that you have ignored previous requests for payment and we intend to recover your outstanding debt immediately. Unless you pay us the debt amount within 7days or contact us immediately with your proposals recovery action will commence.
p433 Will ignore the letter and see what they send next and send telephone harassment letter.
14-9-12 Letter from Rossendales. You have failed to respond to our previous letter. This may result in further action being taken against you. You should be in no doubt that payment of that which you owe will be pursued and the company will utilise its expertise in the management of data. TO PREVENT THIS MATTER PROCEEDING FURTHER YOU SHOULD MAKE A PAYMENT IN FULL NOW. Phone immediately to avoid action if we do not hear from you within 7 days collection procedures will continue.
p443 Send Account sold in dispute.
15-9-12 Letter from R'dales in response to telephone harassment letter, the contents have been noted to file. We can confirm that the outstanding balance is in relation to MBNA the agreement was originally taken out on xx/xx/2007 whilst you were at the address of,(it lists the address I am at now and not the address I was at, at the time I took out the loan) Contact our office now to discuss repayment subsequently preventing further recovery action being taken.
10-1-13 Letter from R'Dales Your debt has been passed to us by the above clients (Arrow) we are instructed that you have ignored previous requests for payment and we intend to recover your outstanding debt immediately. You have 7 days or recovery action will commence..
p455 Account sold in dispute letter sent.
19-1-13 Letter from R'Dales. Account on hold whilst we investigate.
27-3-13 Letter from R'Dales Further to your recent request please find enclosed copy documents to support the recovery of the account.
p509 Send missing PT
6-4-13 Letter from R'dales account on hold whilst we investigate.
18-4-13 Letter from R'dales. We are still investigating your complaint I will write again within the next 10 days.
19-4-13 Letter from R'dales. We are acting on behalf of Arrow a debt purchasing company who bought your debt from Virgin Money in your name which appears to be related to the address (I'm at now). We sent you a copy of your credit agreement in Sep 2012 but enclose another copy. If you wish to discuss settlement please call our office.
28-05-13 Letter from Debt managers (Services) Ltd. First contact from this lot, As you have been advised by our client Arrow Global (No I haven't) your overdue account has been referred to ourselves for immediate collection. All future contact and payments should be made direct to us. Balance must be paid in full today.
Sent account sold in dispute.
12-6-13 Letter from DMS offering a generous discount if I contact them to arrange repayment of this debt.
I shall ignore for now.
17-6-13 Letter from DMS Account on hold whilst we investigate your complaint.
2-7-13 Letter from DMS Account still on hold whilst we investigate.
30-7-13 Letter from DMS Acc on hold whilst we investigate.
21-8-13 Letter from DMS Further to my letter dated the 30-7-13 our client has advised that you need to make your CCA request to them as they are now the legal owners of the account, please send your request direct to Arrow Global as our file on this matter is now closed.
2-12-13 Letter from R'well We have been instructed by Arrow to contact you regarding the account, it must be paid in full within the next 10 days otherwise we will take immediate action.
Sent Account sold in dispute.
14-12-13 Letter from R'well We note your comments and have sought further information from our client.
13-3-14 Letter from R'well A copy of the executed agreement and statement is enclosed we have satisfied your request to provide a copy. Having satisfied the agreement advise you that is fully enforceable, no further correspondence, mbna no longer own the account if I want further docs I must sent a fresh request to Arrow with £1 fee. I have 30 days to pay outstanding amount, collection and defaults will continue.
Sent Missing prescribed terms
28-3-14 Letter from R'well. We note your comments and have sort further info from our client.
7-4-14 letter from R'well. Enclosing another copy of cca, request satisfied, no further correspondence, enforceable will continue to collect, under cca request we do not have to provide a copy of the cca, MBNA were unable to locate a copy of the signed agreement but would not have opened a credit facility without a signed agreement.
16-5-14 Letter from R'well We note your comments that you believe the agreement is unenforceable, clients have confirmed it is enforceable. In addition arrow have also advised that they have not received an official request for docs from you under cca, only a request for a copy of your agreement. You should submit a fresh request to Arrow with £1 fee. Provide us with a repayment plan within next 30 days and return enclosed I&E form.
14-6-14 Letter from R'well. We are here to help reduction for settlement, we need to talk please contact us.
14-7-14 Letter from R'well We want to work with you and may be able to offer a reduced settlement, your account may be passed to Fenton Cooper.
I shall wait and see what comes next.
12-8-14 Letter from F'Cpr we are now dealing with this account on behalf of Arrow G please call us.
I shall see what comes next.
8-10-14 Letter from Arrow notification of account transfer to a new agency now with dry'fax please call them to make payments.
I shall wait to see what comes next.
18-10-14 Letter from Dry'Fax Solicitors. Our client is keen to agree how you will repay the balance, we will continue to contact you by telephone, if we do not hear from you within the next 7 days our client may instruct us to issue legal proceedings which could result in CCJ
Sent SWID & Telephone Harassment (signed for on the 22-10-14)
20-10-14 Sent CCA request
22-10-14 Letter from Dry'Fax Solicitors. We have written to you and advised you that it is our clients intention to take legal action should acceptable proposals not be made to repay this debt. In the event if we do not hear from you by the 3-11-14 we hold instructions to issue legal proceedings with a view to obtaining a CCJ once judgement has been obtained we may.
1) Application for an attachment of earning.(not working but they can take my DLA if they want)
2) Application for a warrant of control, this enables a bailiff to attend the address to take goods to the value of the judgement. (YIKES !!!!!!!!!!!!)
3) Application for a charge on your property (I do not own my home it is a Local Authority)
No further notice will be provided and if legal proceedings are issued there will be additional costs incurred which you may be liable for. If you are unable to make immediate payment, please contact us immediately.
Sent one liner acknowledging letter and asking them to deal with my letter of the 18-10-14
29-10-14 Send LBA
22-11-14 Letter from Dry'Fax We are investigating your complaint and hope to resolve within 8 weeks.
29-11-14 Letter from Dry'fax We do not believe we have been unreasonable in in the amount of times we have called you but agree to delete my phone number from their records and only contact in writing therefore unable to record your complaint as upheld. We have made a request to our client for a copy of your CCA and account on hold whilst this is dealt with.
15-12-14 Letter from Arrow thank you for your letter of the 20-10-14 sent to Dry Fax it has been passed to us as the assignees we acknowledge request for CCA. We will now process request with original creditor and will revert in due course. All collection activity suspended pending provision of the documentation. Your payment of £1 is returned.
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