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Hi all
I'm new and have been dealing with this matter since 2011. Basically, I requested a CCA from MBNA back in March 2011, they simply ignored my request, I got a letter some 13 months later saying my debt was being passed on. The original Application was with Bank of Scotland. Since that time, it's been passed from one DCA to another and I've fought them off every step of the way as no-one could provide me with the CCA.
Anyway, the matter went to Rockwell another DCA and I fought with them, they provided a copy of the Credit Application form dated 1999. It is just a poor photocopy but out of all the DCA's they were the only one that sent me the CCA. Now they threatened everything so I sent the usual letters and then mentioned the lack of prescribed terms etc. They closed their file and I never heard a word for over two years. I then get this letter from ARC Europe threatening court action etc, I wrote back enclosing all the correspondence with Rockwell etc and they just won't go away. They are saying that the 1999 Application I signed is compliant with the CA and that I need to pay or get taken to court. I really cannot see any prescribed terms and I'm a bit stumped on what I should reply back. Again they have sent very poor copies of what looks like the same document I sent to them but you can barely read it! All they keep mentioning is the date when I made my last payment. They've not outlined as to why the CCA is compliant just that they are instructed that it is. I've not received any other documents. MBNA were useless and just completely ignored me and then went onto sell a disputed debt. It's quite a substantial amount and I guess that is why Arrow Global won't give up!
Can anyone help - they seem very determined but maybe that's their method of working to wear people down to get payment! PLEASE. I need to respond to ARC last letter - I'd love to be rude but that wouldn't be correct procedure lol. Wish they would just get lost to put it politely - every other DCA has just closed the file, even Shakespeare Solicitors closed their file after I wrote to them, hence no correspondence for over two years. ARC got in touch with me August 2014 and I've been battling with them ever since!
Thanks
I'm new and have been dealing with this matter since 2011. Basically, I requested a CCA from MBNA back in March 2011, they simply ignored my request, I got a letter some 13 months later saying my debt was being passed on. The original Application was with Bank of Scotland. Since that time, it's been passed from one DCA to another and I've fought them off every step of the way as no-one could provide me with the CCA.
Anyway, the matter went to Rockwell another DCA and I fought with them, they provided a copy of the Credit Application form dated 1999. It is just a poor photocopy but out of all the DCA's they were the only one that sent me the CCA. Now they threatened everything so I sent the usual letters and then mentioned the lack of prescribed terms etc. They closed their file and I never heard a word for over two years. I then get this letter from ARC Europe threatening court action etc, I wrote back enclosing all the correspondence with Rockwell etc and they just won't go away. They are saying that the 1999 Application I signed is compliant with the CA and that I need to pay or get taken to court. I really cannot see any prescribed terms and I'm a bit stumped on what I should reply back. Again they have sent very poor copies of what looks like the same document I sent to them but you can barely read it! All they keep mentioning is the date when I made my last payment. They've not outlined as to why the CCA is compliant just that they are instructed that it is. I've not received any other documents. MBNA were useless and just completely ignored me and then went onto sell a disputed debt. It's quite a substantial amount and I guess that is why Arrow Global won't give up!
Can anyone help - they seem very determined but maybe that's their method of working to wear people down to get payment! PLEASE. I need to respond to ARC last letter - I'd love to be rude but that wouldn't be correct procedure lol. Wish they would just get lost to put it politely - every other DCA has just closed the file, even Shakespeare Solicitors closed their file after I wrote to them, hence no correspondence for over two years. ARC got in touch with me August 2014 and I've been battling with them ever since!
Thanks
