In which case I would send a Subject Access Request to MBNA so you can see the full history of what went on, and more importantly what didn't.
The Transaction Log should detail the last payment and also reveal any interaction between Arrow and MBNA re your CCA Request in 2014.
The history of this debt is not on your Diary (at least I can't find it) so there's no way of knowing what other legal arguments you may have if the debt is not SB.
If the debt owner is Arrow Global (Guernsey) Ltd then they may have some difficultly with lack of FCA authorisation issues.
As I've said before you have 30 days to reply to a Letter of Claim. Sometimes it's best to ignore if you're confident you have a rock solid legal argument such as Statute Barred.
The important thing is don't tell them what your Defence is likely to be if they were to issue a claim because they may them remedy the flaw if it's possible. Or they may go ahead and issue the claim hoping you'll be a Litigant in Person with no help from a lawyer.
I'm afraid there is no magic wand to make it go away. But there are things you can do to get yourself in the best possible position to defend a claim if/when it is issued.
Di
The Transaction Log should detail the last payment and also reveal any interaction between Arrow and MBNA re your CCA Request in 2014.
The history of this debt is not on your Diary (at least I can't find it) so there's no way of knowing what other legal arguments you may have if the debt is not SB.
If the debt owner is Arrow Global (Guernsey) Ltd then they may have some difficultly with lack of FCA authorisation issues.
As I've said before you have 30 days to reply to a Letter of Claim. Sometimes it's best to ignore if you're confident you have a rock solid legal argument such as Statute Barred.
The important thing is don't tell them what your Defence is likely to be if they were to issue a claim because they may them remedy the flaw if it's possible. Or they may go ahead and issue the claim hoping you'll be a Litigant in Person with no help from a lawyer.
I'm afraid there is no magic wand to make it go away. But there are things you can do to get yourself in the best possible position to defend a claim if/when it is issued.
Di
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