5corpio UE Diary

[Pixie]

Re: 5corpio UE Diary

Great news 5corps!

[alland]

Re: 5corpio UE Diary

Great news 5corpio,

I am in a similar position with Marbles, never seen sight of a CCA, and played ping pong with various "Collectors" for two years, to date all have given up and crawled back under their respective stones.

So the account remains at stalemate awaiting the next contender it is passed on to.

[SA Gold]

Re: 5corpio UE Diary

Get the beers in. Result!

[greymatter]

Re: 5corpio UE Diary

Top result

[helmsman]

Re: 5corpio UE Diary

Letter from Lowell Portfolio 1 arrived today:

Ref: Marbles account SOLD to Lowell Portfolio 1
Saying that they have closed the Account - as Marbles can't find or produce original CCA for them. Lowell Portfolio 1 closed account and will not be in contact with me, unless a CCA appears.

Well done, Marbles cant find my agreement either (SHAME)

[5corpio]

Re: 5corpio UE Diary

update letter from 1st Credit (Finance) 5 Limited Informing me that:

Ref: Bank of Scotland account

1st Credit (Finance) 5 Limited has changed there name to CAI Finance Limited, but retained there company number.

[ScabHunter]

Re: 5corpio UE Diary

1st Credit (Finance) 5 Limited has changed there name to CAI Finance Limited, but retained there company number.

And what does "CAI" stand for, I wonder?

Combative And Insolent
Careless And Indolent
Craven And Irascible
Cowardly And Intransigent
Clueless And Incompetent
Clumsy And Idle
Conmen And Illegal
Completely Annoyingly Intolerable
Communications Always Illegible
Calculations Always Incorrect
Claims Always Irrelevant
Cheats And Impostors
Cock-ups And Insanities
Cretinous Abominable Imbeciles
Corporate Arse-gas Inhalers
Corrosive Anal Irritant
Corpulent Avaricious Insatiability

Any other ideas?

SH

[5corpio]

Re: 5corpio UE Diary

letter arrived from Arrow Global, ref: MBNA

Debt owed to Arrow Global Guernsey Limited

we write further to your letter dated (3 months ago), passed to as assignees of the debt. We acknowledge your request for documentation pursuant to the CCA act.

Whilst we do not accept that we are the creditor as envisaged by the above statute, we are willing to assist in obtaining that which has been requested. we will now process your request for documentation from the originating creditor and will revert in due course.

We confirm that all collection activity will be suspended pending provision of the Documents.

Seems very Strange, as 'Arrow Global' based in Manchester is the same company 'Arrow Global Guernsey' based off shore in the channel islands, whom purchased the debt from MBNA. so they are in fact the creditor? highlighted in RED BELOW

Muppets

MBNA VIRGIN
Default April 2008
Original Agreement & Copy of executed with up to date T&C
Unenforceable

LETTERS SENT TO:
20/05/10 - Debt Clear Recoveries (CCA Request)
07/06/10 – Debt Clear Recoveries (CCA Request)
04/12/10 – AIC (Threat-o-Gram)
12/09/11 - Wescot (Account sold whilst in Dispute letter sent)
23/04/12 - Rossendales (Account sold whilst in Dispute letter sent)
04/09/12 - Arc Europe (Account sold whilst in Dispute)

LETTERS RECIEVED FROM MUPPETS:
25/06/10 – MBNA (original Agreement, Copy of Executed Agreement, Up to date T&C, Recent statement)
10/11/10 – AIC (warning that their letter supersedes all instructions issued by creditors)
24/11/10 – AIC (Threat, Legal Proceedings, Wages, Property, etc)
07/12/10 – AIC (Reviewing File with Collection & Litigation department to consider Warranted)
29/07/11 - MBNA (Confirming previous communication, that the account has been terminated. and that i owe them the debt, they will pass to a select debt agency)
26/08/11 - Wescot (Notice of Debt Collection Bog standard letter, ref their Client Bank of America NOT MBNA)
05/09/11 - Wescot (Final notice, or court proceedings if not contacted or paid)
15/01/12 - MBNA (Agreement account Sold to Arrow Global)
15/01/12 - Arrow Global (We have bought your agreement, continue dealing with Wescot)
26/03/12 - Rossendales (repsond within 7 days, for proposals of recovery action)
16/04/12 - Rossendales (Further action letter within 7 days)
26/05/12 - Rosendales ( Further action letter within 7 days )
30/05/12 - Rosendales (Account On Hold, refer to there client - Arrow Global Guernsey)
28/06/12 - Rosendales (copy of MBNA CCA, T&C and screen shot, They say: enclosed documents to support the recovery of the account details) -
15/08/12 - ARC Europe - (account remains outstanding - request of a substantial amount with 10 day and firm offer for overdue, IF not will taken further action
29/08/12 - Arc Europe (in response of not receiving any response - they'll obtain firm instructions, that they reserve the right to produce a letter, Call us NOW)
26/09/12 - Arc Europe (enclosed signed agreement, T&C and copy of agreement) Un-llegible T&C, Pay now within 14 days with a FIRM OFFER)

[5corpio]

Re: 5corpio UE Diary

Letter arrived today from Global Arrow dated 11th Feb 2013
REF: MBNA:

Yet again they failed an attempt by sending photocopy of agreement and current address T&C.

The Agreement is Un-illegible still apart from the AGREEMENT & T&C Don't correspond either.

They Quote on latest letter:

"UE OFT WEBSITE and Dec 2009 high court ruled true copy does not need to be a photocopy or an exact. Credit allowed to provide Recon. (Well this account is still in dispute with OC and is defaulted as per UE Letter sent to them). As long original info contained in agreement apart from few exception that law allows, which includes: Signature, Signature Box and date of signature (there is not date entered in the box as it has a printed name). Now provide your proposal of repayment, failure to do so collection activity may include litigation.. Account operated by ARC and that i have to deal with them and that (arrow global) will only deal with this document only."

Do you think that it will be worth sending another un-illegiable letter to them or just sit and wait for letter from Arc and send copy letter back to them or missing PT?

Previous correpsondance with these muppets:

Letter from Arc Europe arrived today:

Enclosed a copy of agreement, latest statement and contract.

Pay us within 14 days with a firm offer of payment, otherwise we'll instruct our client to take further actions.

They've sent part of agreement but no T&C apart from that its un-legible to read photocopy, latest statement was for Apr 2008 and contract (is Blah to me)

Would it be wise to file of copy of letter missing PT template? even though that i had sent one to there client Rossendale?

thank you help

LETTERS SENT TO:
20/05/10 - Debt Clear Recoveries (CCA Request) 
07/06/10  – Debt Clear Recoveries (CCA Request)
04/12/10  –   AIC (Threat-o-Gram)
12/09/11 - Wescot (Account sold whilst in Dispute letter sent)
23/04/12 - Rossendales (Account sold whilst in Dispute letter sent)
04/09/12 - Arc Europe (Account sold whilst in Dispute)
27/09/12 - Arc Europe (Missing PT Letter sent)
   
 LETTERS RECIEVED FROM MUPPETS:
  25/06/10 – MBNA (original Agreement, Copy of Executed Agreement, Up to date T&C, Recent statement)
  10/11/10 – AIC (warning that their letter supersedes all instructions issued by creditors)
  24/11/10 – AIC (Threat, Legal Proceedings, Wages, Property, etc)
  07/12/10 – AIC (Reviewing File with Collection & Litigation department to consider Warranted)
29/07/11 - MBNA (Confirming previous communication, that the  account has been terminated. and that i owe them the debt, they will  pass to a select debt agency)
26/08/11 - Wescot  (Notice of Debt Collection Bog standard letter, ref their Client Bank of America NOT MBNA)
   05/09/11 - Wescot (Final notice, or court proceedings if not contacted or paid)
 15/01/12 - MBNA (Agreement account Sold to Arrow Global)
15/01/12 - Arrow Global (We have bought your agreement, continue dealing with Wescot)
26/03/12 - Rossendales (repsond within 7 days, for proposals of recovery action)
16/04/12 - Rossendales (Further action letter within 7 days)
26/05/12 - Rosendales ( Further action letter within 7 days  )
30/05/12 - Rosendales (Account On Hold, refer to there client - Arrow Global Guernsey)
28/06/12 - Rosendales  (copy of MBNA CCA, T&C and screen shot, They say: enclosed  documents to support the recovery of the account details) - 
15/08/12 - ARC Europe - (account remains outstanding - request of a  substantial amount with 10 day and firm offer for overdue, IF not will  taken further action
29/08/12 - Arc Europe (in response of not receiving any response -  they'll obtain firm instructions, that they reserve the right to  produce a letter, Call us NOW)
26/09/12 - Arc Europe (enclosed signed agreement, T&C and  copy of agreement) Un-legible T&C, Pay now within 14 days with a  FIRM OFFER)

letter arrived from Arrow Global, ref: MBNA

Seems very Strange, as 'Arrow Global' based in Manchester is the same company 'Arrow Global Guernsey' based off shore in the channel islands, whom purchased the debt from MBNA. so they are in fact the creditor? highlighted in RED BELOW

Muppets

[MrsD]

Re: 5corpio UE Diary

personally Scorps, I'd wait and see what they do next

[5corpio]

Re: 5corpio UE Diary

Account MBNA, Letter arrived today from ARC EUROPE:

Copy of letter:

Update of correspondence:

MBNA VIRGIN
Default April 2008
Original Agreement & Copy of executed with up to date T&C
Unenforceable

LETTERS SENT TO:
20/05/10 - Debt Clear Recoveries (CCA Request)
07/06/10 – Debt Clear Recoveries (CCA Request)
04/12/10 – AIC (Threat-o-Gram)
12/09/11 - Wescot (Account sold whilst in Dispute letter sent)
23/04/12 - Rossendales (Account sold whilst in Dispute letter sent)
04/09/12 - Arc Europe (Account sold whilst in Dispute)
27/09/12 - Arc Europe (illegible T&C Letter sent)


LETTERS RECIEVED FROM MUPPETS:
25/06/10 – MBNA (original Agreement, Copy of Executed Agreement, Up to date T&C, Recent statement)
10/11/10 – AIC (warning that their letter supersedes all instructions issued by creditors)
24/11/10 – AIC (Threat, Legal Proceedings, Wages, Property, etc)
07/12/10 – AIC (Reviewing File with Collection & Litigation department to consider Warranted)
29/07/11 - MBNA (Confirming previous communication, that the account has been terminated. and that i owe them the debt, they will pass to a select debt agency)
26/08/11 - Wescot (Notice of Debt Collection Bog standard letter, ref their Client Bank of America NOT MBNA)
05/09/11 - Wescot (Final notice, or court proceedings if not contacted or paid)
15/01/12 - MBNA (Agreement account Sold to Arrow Global)
15/01/12 - Arrow Global (We have bought your agreement, continue dealing with Wescot)
26/03/12 - Rossendales (repsond within 7 days, for proposals of recovery action)
16/04/12 - Rossendales (Further action letter within 7 days)
26/05/12 - Rosendales ( Further action letter within 7 days )
30/05/12 - Rosendales (Account On Hold, refer to there client - Arrow Global Guernsey)
28/06/12 - Rosendales (copy of MBNA CCA, T&C and screen shot, They say: enclosed documents to support the recovery of the account details) -
15/08/12 - ARC Europe - (account remains outstanding - request of a substantial amount with 10 day and firm offer for overdue, IF not will taken further action
29/08/12 - Arc Europe (in response of not receiving any response - they'll obtain firm instructions, that they reserve the right to produce a letter, Call us NOW)
26/09/12 - Arc Europe (enclosed signed agreement, T&C and copy of agreement) Un-llegible T&C, Pay now within 14 days with a FIRM OFFER)
11/02/13 - Arrow Global (Samé Copy of CCA with current address T&C Sent). 2009 OFT Guidance quoted. apart from few exceptions that the law allows: Signature, Signature Box and date of signature)
19/03/13 - Arc Europe (Failed to contact them, and credit history will affect me. that both there letters will prove that that they i had opportunity to enter negotiations and failed to accept invitation)

previous letter from ARC Was 29th Aug 2012 (i think they are being a bit over mellow dramatic), and there client was 11th Feb 2013 with un-illegable application agreement and previous letter was to say that they bought account
Wisdom or? tatic delay of either sending un-illegible documents template letter AGAIN as they and there client failed to comply. Or file missing P&T letter off, as that would be next template too

[5corpio]

Re: 5corpio UE Diary

oooh middle of this year - Pg7 on UE Diaries list

Letter from 'Debt managers (Services) Ltd based in Edinburgh acting on behalf of Arrow Global and threting to send DOORSTEP AGENT VISIT Who they will instruct agents 'Call Serve' to call at address (Better bring your biscuits then and pack of doorstep agent playing cards!!!).

Oh well, will be Sending my first letters for this year:

Account sold whilst in dispute and threat o gram letter............to keep them up all night

Update:

MBNA VIRGIN - Unenforceable
Default/Delinquent: April 2008 £8,120
Balance: £6,900
Limit: £0

LETTERS SENT TO:
20/05/10 - Debt Clear Recoveries (CCA Request)
07/06/10 – Debt Clear Recoveries (CCA Request)
04/12/10 – AIC (Threat-o-Gram)
12/09/11 - Wescot (Account sold whilst in Dispute letter sent)
23/04/12 - Rossendales (Account sold whilst in Dispute letter sent)
04/09/12 - Arc Europe (Account sold whilst in Dispute)
27/09/12 - Arc Europe (illegible T&C Letter sent)
06/09/13 - Debt Managers (Services) Ltd AKA: Call Serve (Account Sold whilst in Dispute Letter)


LETTERS RECIEVED FROM MUPPETS:
25/06/10 – MBNA (original Agreement, Copy of Executed Agreement, Up to date T&C, Recent statement)
10/11/10 – AIC (warning that their letter supersedes all instructions issued by creditors)
24/11/10 – AIC (Threat, Legal Proceedings, Wages, Property, etc)
07/12/10 – AIC (Reviewing File with Collection & Litigation department to consider Warranted)
29/07/11 - MBNA (Confirming previous communication, that the account has been terminated. and that i owe them the debt, they will pass to a select debt agency)
26/08/11 - Wescot (Notice of Debt Collection Bog standard letter, ref their Client Bank of America NOT MBNA)
05/09/11 - Wescot (Final notice, or court proceedings if not contacted or paid)
15/01/12 - MBNA (Agreement account Sold to Arrow Global)
15/01/12 - Arrow Global (We have bought your agreement, continue dealing with Wescot)
26/03/12 - Rossendales (repsond within 7 days, for proposals of recovery action)
16/04/12 - Rossendales (Further action letter within 7 days)
26/05/12 - Rosendales ( Further action letter within 7 days )
30/05/12 - Rosendales (Account On Hold, refer to there client - Arrow Global Guernsey)
28/06/12 - Rosendales (copy of MBNA CCA, T&C and screen shot, They say: enclosed documents to support the recovery of the account details) -
15/08/12 - ARC Europe - (account remains outstanding - request of a substantial amount with 10 day and firm offer for overdue, IF not will taken further action
29/08/12 - Arc Europe (in response of not receiving any response - they'll obtain firm instructions, that they reserve the right to produce a letter, Call us NOW)
26/09/12 - Arc Europe (enclosed signed agreement, T&C and copy of agreement) Un-llegible T&C, Pay now within 14 days with a FIRM OFFER)
11/02/13 - Arrow Global (Samé Copy of CCA with current address T&C Sent). 2009 OFT Guidance quoted. apart from few exceptions that the law allows: Signature, Signature Box and date of signature)
19/03/13 - Arc Europe (Failed to contact them, and credit history will affect me. that both there letters will prove that that they i had opportunity to enter negotiations and failed to accept invitation)
02/09/13 - Debt Managers (Services) Ltd (Doorstep Agent Visit ref: "CALL SERVE" Letter that they'll instruct their agent on behalf of Arrow Global)

[alland]

Re: 5corpio UE Diary

Arrow Global and Debt Managers must be new best friends....they both wrote to me regarding an alleged MBNA debt, told them MBNA to date have currently failed to satisfy my CCA request, just heard back from both of them today that they have yet to get a copy of my CCA from MBNA and will be in touch again when they do.... Well for the last three years MBNA have failed to find where they have buried it...so I won't be worrying myself about it just yet...

good luck with sorting you're alleged account 5corpio

[5corpio]

Re: 5corpio UE Diary

Cheers Allan

its been deemed UE, and can see that its been on its holiday 'Boomerang around' with DCA's that i ain't cared about any of them anymore................!! just sitting back (not literally) waiting for the SD's more than anything and the remaining 6 year lift on defaults.

Best of luck with yours too matey

[5corpio]

Re: 5corpio UE Diary

up date on MBNA -

Letter from Debt Managers:

1st letter - Account been put on Hold

2nd letter - Letter dated 25th Sept with Postal on envelope date 30th Sept (5 days to process?)

Saying that there client has fullfilled and sent the agreement direct to me in Feb this year - shame that i sent letter saying that the CCA sent is illegible to read to the there client and they didn't responded till 6 months later with the help of Debt Manager Services?

* sending reply with: a Copy of letter sent to there client about its illegible template, copy of letter stating that account is in dispute template with original creditor (that's sent to debt managers last month)