Invisible Man's UE diary

[Spud]

Sounds as though you have got everything in order with the Sainsburys account ( Drydens )......Have you now sent the agreement to Niddy?

Fingers crossed ref the agreement

Keep an eye on the timescales to reply to the LBC

[InvisibleMan]

Re: Invisible Man's UE diary

SAINSBURYS BANK 1

Credit card
Date commenced: 2008
Approx balance: £3000
Date last full payment: 2009
Currently not paying
Status in arrears, defaulted 2009
Account owner: Arrow Global
DCA: Moorcroft

Key:
Red text = creditor action
blue text = my action
green text = comment

2009
April DMP started
Aug S87 default notice served
Oct 31st Notice of intended litigation from Moorcroft
2010
Jan 7th Send letter to Moorcroft requesting docs under CPR
Jan 22nd Moorcroft reply stating they are in the process of obtaining a copy of the consumer credit agreement.
Feb 15th Moorcroft letter enclosing "requested documentation". All it contains is copy statements, but no agreement. The agreement was never supplied.
2017
Jan Stop DMP payments
Mar 17th Moorcroft send settlement offer. ignored
June 15th Letter from Moorcroft stating they are trying to contact me. Ignored
June 16th Receive statement of account from - wait for it - Arrow Global, also informing me that the account was assigned to them in April 2013, and that Moorcroft are managing the account on their behalf. Nice of them to tell me the account was assigned 4 years ago, as I've never previously received any notice of this I have never sent a SAR or CCA request.
June 22nd s.77-79 CCA request sent to Arrow Global
June 22nd SAR sent to Sainsburys
June 30th Letter from Sainsburys re the SAR, asking me to sign on the dotted line (literally) and return to them, so they can "complete their security checks". Methinks I'm not giving them my signature (SAR letter was typed signature). Can they refuse to comply without it?
July 7th Letter from Arrow Global stating they do not accept they "are the creditor as envisaged by the above statute", but they will assist in obtaining the requested docs. Collection activity suspended pending provision of docs etc.
August 2017 Letter from Arrow saying they're still waiting for docs from OC
September 2017 Letter from Arrow saying they're still waiting

2018

October Letter from Arrow responding to CCA request, enclosing copy agreement.

2019

January Letter from Arrow saying account transferred to Drydens
January Chase letter from Drydens. Ignored.

February LBC received from Drydens. Am sending agreement to Niddy for checking, before responding to LBC

February Niddy says

Update

[InvisibleMan]

Sounds as though you have got everything in order with the Sainsburys account ( Drydens )......Have you now sent the agreement to Niddy?

Fingers crossed ref the agreement

Keep an eye on the timescales to reply to the LBC

Thanks Spud. As you can see Niddy says EN. Plenty of time on LBC response, but unsure of next steps.
I realise looking back at the diary that I never followed up the SAR with the OC after their signature request, so I guess I need to resurrect that soon as.

Cheers IM

[Roger]

Thanks Spud. As you can see Niddy says EN. Plenty of time on LBC response, but unsure of next steps.
I realise looking back at the diary that I never followed up the SAR with the OC after their signature request, so I guess I need to resurrect that soon as.
Cheers IM

The general approach is NOT to give the DCA time to get their chickens in a row.

With CCA's S.77/78 this is for Information purposes NOT proof purposes. Also UE is a matter of opinion!!
So my thoughts for the LBC is to time your return until the say last week!!.
tick box D, debt in dispute due to non compliance with CCA request
Throw the Ball back into their court!!

[Warwick65]

Have you ever sent a SAR to Sainsbury Bank. If they do issue a claim you may need that info

Did you keep the S87(1) notice?

[InvisibleMan]

The general approach is NOT to give the DCA time to get their chickens in a row.

With CCA's S.77/78 this is for Information purposes NOT proof purposes. Also UE is a matter of opinion!!
So my thoughts for the LBC is to time your return until the say last week!!.
tick box D, debt in dispute due to non compliance with CCA request
Throw the Ball back into their court!!

Thanks Roger, I agree that is the way to go.
IM

[InvisibleMan]

Have you ever sent a SAR to Sainsbury Bank. If they do issue a claim you may need that info

Yes, as per my thread, I am following up.

Did you keep the S87(1) notice?

Yes

[Warwick65]

I noticed on your thread you said you were not giving Sainsbury your signature. Is that still the case

As far as I am aware, as this is a data protection request they have every right to ensure they are sending the data to the right person and generally a signature is one of the requirements. Some banks ask the person to go into branch to collect their data but Sainsbury must be different.

I really can't see any harm in giving them your signature - they probably have it anyway . If it is a worry, change it slightly and keep a copy

[Joanna Connolly Solicitors]

Re: Invisible Man's UE diary

SAINSBURYS BANK 1

Credit card
Date commenced: 2008
Approx balance: £3000
Date last full payment: 2009
Currently not paying
Status in arrears, defaulted 2009
Account owner: Arrow Global
DCA: Moorcroft

Key:
Red text = creditor action
blue text = my action
green text = comment

2009
April DMP started
Aug S87 default notice served
Oct 31st Notice of intended litigation from Moorcroft
2010
Jan 7th Send letter to Moorcroft requesting docs under CPR
Jan 22nd Moorcroft reply stating they are in the process of obtaining a copy of the consumer credit agreement.
Feb 15th Moorcroft letter enclosing "requested documentation". All it contains is copy statements, but no agreement. The agreement was never supplied.
2017
Jan Stop DMP payments
Mar 17th Moorcroft send settlement offer. ignored
June 15th Letter from Moorcroft stating they are trying to contact me. Ignored
June 16th Receive statement of account from - wait for it - Arrow Global, also informing me that the account was assigned to them in April 2013, and that Moorcroft are managing the account on their behalf. Nice of them to tell me the account was assigned 4 years ago, as I've never previously received any notice of this I have never sent a SAR or CCA request.
June 22nd s.77-79 CCA request sent to Arrow Global
June 22nd SAR sent to Sainsburys
June 30th Letter from Sainsburys re the SAR, asking me to sign on the dotted line (literally) and return to them, so they can "complete their security checks". Methinks I'm not giving them my signature (SAR letter was typed signature). Can they refuse to comply without it?
July 7th Letter from Arrow Global stating they do not accept they "are the creditor as envisaged by the above statute", but they will assist in obtaining the requested docs. Collection activity suspended pending provision of docs etc.
August 2017 Letter from Arrow saying they're still waiting for docs from OC
September 2017 Letter from Arrow saying they're still waiting

2018

October Letter from Arrow responding to CCA request, enclosing copy agreement.

2019

January Letter from Arrow saying account transferred to Drydens
January Chase letter from Drydens. Ignored.

February LBC received from Drydens. Am sending agreement to Niddy for checking, before responding to LBC

February Niddy says

Just because a credit agreement may be 'enforceable' that doesn't necessarily mean you won't have other legal arguments for your Defence if a claim is issued.

What is the precise name of the owner of this debt - is it Arrow Global Ltd or Arrow Global (Guernsey) Ltd? It matters

Di

[InvisibleMan]

Just because a credit agreement may be 'enforceable' that doesn't necessarily mean you won't have other legal arguments for your Defence if a claim is issued.

What is the precise name of the owner of this debt - is it Arrow Global Ltd or Arrow Global (Guernsey) Ltd? It matters

Di

Di, I am so sorry, somehow I completely overlooked your response above. I must be in an alternative universe! It is Arrow Global Ltd. They have just issued a claim, so I will need to contact you re advice as how to proceed.
IM

[The Tech Clerk]

di@joannaconnollysolicitors.co.uk send her the claim form copy>?

[Joanna Connolly Solicitors]

Di, I am so sorry, somehow I completely overlooked your response above. I must be in an alternative universe! It is Arrow Global Ltd. They have just issued a claim, so I will need to contact you re advice as how to proceed.

No problem

The Claimant on the claim form may be stated/named as Arrow Global Ltd but what was stated on the Notice of Assignment (if you were served with one) ?

Email me the claim form so I can see what they are attempting to claim (the Particulars of Claim) and why they think they have the legal right to claim it, and then we'll take it from there using my email address which is di@joannaconnollysolicitors.co.uk

Di

[InvisibleMan]

The Claimant on the claim form may be stated/named as Arrow Global Ltd but what was stated on the Notice of Assignment (if you were served with one) ?

Di

I have never received a Notice of Assignment. all correspondence from them states Arrow Global Ltd. I will email over the claim form.
IM

[InvisibleMan]

di@joannaconnollysolicitors.co.uk send her the claim form copy>?

Thanks Tech Clerk have sent it.

[Joanna Connolly Solicitors]

I have never received a Notice of Assignment. all correspondence from them states Arrow Global Ltd. I will email over the claim form.

Thank you

You have 19 days from the claim Issue Date to file your Acknowledgment of Service so keep calm.

Also email me a copy of the credit agreement which you were sent

Di