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    • Firstly, and sorry for not asking earlier but have you submitted your DQ yet?
    • As suggested by JK2054 I'll email Evri to their small claims email address, attaching the label and collection receipt and quoting the Money Claims ref number. Is there anything else in addition to sending the email I should do at this stage? Rgds, J
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    • J, I just numbered them like that; once the witness statement is made, I'll add it to the pages.   The court date has been set as 02 July 2024. Please find attached V6. I will send an unredacted to the email.  claim budle_V6.pdf
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Letter Before Action Help old MBNA Card - PRAgroup.


eltel2016
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Hello CAG,

 

I hope someone can help me I have received a Letter before Action from PRA formerly Aktiv Kaptial for a MBNA credit card I opened in 2006 online for £3300.

 

Due to unemployment the credit card defaulted in 2012 with MBNA and the last payment made via a Debt Management Plan was in March 2013 to Aktiv . I made a CCA request and they provided me with the attached documents with t&c's.

 

I have responded to their Letter of Action using 1st class post on 3rd December 2016 but no response yet asking for copy of the original credit card agreement, default notice, notice of assignment and details of last payment.

 

Prior to the Letter before Action I have been offered a 50% discount.

 

Can you help me?

merged.pdf

Edited by dx100uk
pix merged and converted to pdf - dx
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get an sar running to MBNA

if there is a 50% discount on offer

ibet theres more available by reclaiming penalty charges

+and PPI?

 

 

online signup so might well be enforceable.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Discount means the debt is a lemon debt. Nip it in the bud fast and send them a CCA request.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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they've already sent one years ago

and that looks enforceable

and they've been paying till quite recent.

 

 

could get sticky.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Wheres the other part of the CCA? the actual online app. Not just the tick box, the actual application?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I see the OP made another request ( hopefully including the statutory payment, and they have another 3 days to comply. I seriously think they cant provide ALL the required parts of a CCA request, and/or its filled with penalty fees. However, since its PRA/AK they hope the OP is non the wiser.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I see the OP made another request ( hopefully including the statutory payment, and they have another 3 days to comply. I seriously think they cant provide ALL the required parts of a CCA request, and/or its filled with penalty fees. However, since its PRA/AK they hope the OP is non the wiser.

 

Sorry just getting used to this site

 

That's all I have been provided with in regards to my application. The only thing I forgot to upload is another page of T&C's

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Username now changed.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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get that sar running to MBNA 1st thing tomorrow

 

 

getting all the statements might be key to minimising the damage if they do serve a claimform.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I still think thats not a full compliant CCA response. Though a SAR will identify other things as well. Get it running asap. If you sent another CCA request and they still havent responded, then dont tell them they sent one a while ago, theyll tell you that. Until they comply or respond, they cant take court action.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Until they comply or respond, they cant take court action.

 

Well they can imp...but they would struggle to enforce it providing a defence puts them to strict proof.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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That's what I was getting at sorry. Makes me wonder why they bother when they know they haven't even complied with the basics

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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That's what I was getting at sorry. Makes me wonder why they bother when they know they haven't even complied with the basics

 

They dont expect any defence....so why bother with paperwork..they expect courts to take their word:wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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No. if you keep sending letters, theyll know youre not serious.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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what is this pre action letter you keep going on about?

nothing we recommend doing that's for sure

 

not a magic freeman of the land one is it?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

LBA I think DX see post 1.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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ah yes sorry speed is very slow tonight

they sent a CCA request in reply..now it makes sense

 

 

so ... no you never chase a CCA request eltel..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 months later...

Hello

 

I received the SAR from MBNA.

They do not have a record of default notice and also cannot provide me with a copy of credit agreement.

 

PRA group did not respond to my Pre Action Letter I sent in a few months ago.

However they have just sent another Letter before action which I will respond to.

Edited by eltel2016
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no you don't respond

just invites letter tennis.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

so you DID send some silly letter...before..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

so you DID send some silly letter...before..

 

I sent letter using 1st class post without proof of postage a few months ago.

In the letter I requested a copy of the original credit card agreement

A copy of default notice

notice of assignment

details of last payment.

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