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Restons, Arrow and MBNA help needed

slippyhelen
Posts: 35 Forumite
in Credit cards
Hello all,
Forgive me if I get things wrong here, I haven't posted for years.
I received a demand from Reston's Solicitors for a debt to be repaid. The creditor was Arrow Global. I had sent a CCA letter to Arrow because the debt, an MBNA debt was about £1k more than it was with MBNA and also I was actually paying MBNA back (very slowly) and was annoyed it's suddenly gone to this stage. Arrow ignored me and set Rockwell's on me, I sent them a CCA and then they set Reston's on me. Sound confusing? It was. Anyway, now it's with Reston's so I sent them a CCA request letter using a template from here and they sent it back to me saying it wasn't signed and they needed to know who they were dealing with. I resent it with a cursory signature, slightly different from my own and they sent the whole thing back this morning, including my postal order. I have scanned their letter but can't see where I can upload it. Basically the letter says 'Your request is returned to you because we are not the creditor we are a firm of solicitors'
...'there is no longer an 'agreement' as this was terminated when you failed to comply with the terms of the default notice issued to you by the bank. We refer you to the judgement of His Honour Judge Simon Brown QC in Rankine v American ExpressServices Europe Ltd.'
Thanks for reading. Any advice welcome.
Forgive me if I get things wrong here, I haven't posted for years.
I received a demand from Reston's Solicitors for a debt to be repaid. The creditor was Arrow Global. I had sent a CCA letter to Arrow because the debt, an MBNA debt was about £1k more than it was with MBNA and also I was actually paying MBNA back (very slowly) and was annoyed it's suddenly gone to this stage. Arrow ignored me and set Rockwell's on me, I sent them a CCA and then they set Reston's on me. Sound confusing? It was. Anyway, now it's with Reston's so I sent them a CCA request letter using a template from here and they sent it back to me saying it wasn't signed and they needed to know who they were dealing with. I resent it with a cursory signature, slightly different from my own and they sent the whole thing back this morning, including my postal order. I have scanned their letter but can't see where I can upload it. Basically the letter says 'Your request is returned to you because we are not the creditor we are a firm of solicitors'
...'there is no longer an 'agreement' as this was terminated when you failed to comply with the terms of the default notice issued to you by the bank. We refer you to the judgement of His Honour Judge Simon Brown QC in Rankine v American ExpressServices Europe Ltd.'
Thanks for reading. Any advice welcome.
NatWest 1st account £985 refunded 2nd acount £5500 refunded (full amounts!)
LLOYDS TSB £1500 refunded (full amount)
MBNA VISA 1st letter requesting list of charges 02/03/07
MORGAN STANLEY FULL AMOUNT refunded £235!!
CAPITAL ONE offer of £96 MCOL 28/04 MAY 25th FULL AMOUNT £309.85
NATWEST VISA £515 FULL AMOUNT REFUNDED
HALIFAX LBA CLAIMING £2376.31MCOL 08/05 SETTLED£2496.31 FULL AMOUNT REFUNDED
All in all - £11,420+
LLOYDS TSB £1500 refunded (full amount)
MBNA VISA 1st letter requesting list of charges 02/03/07
MORGAN STANLEY FULL AMOUNT refunded £235!!
CAPITAL ONE offer of £96 MCOL 28/04 MAY 25th FULL AMOUNT £309.85
NATWEST VISA £515 FULL AMOUNT REFUNDED
HALIFAX LBA CLAIMING £2376.31MCOL 08/05 SETTLED£2496.31 FULL AMOUNT REFUNDED
All in all - £11,420+
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