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experto credite and mbna debt


Simon1959
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I Have a £3500 cedit card debt with NMBA

 

a repayment plan was set in place of £20 per month which i paid every month

 

after about six months they transfered the debt to a DCA experto credite

 

They contacted me and the payments remained at £20 a month

 

after six months i have recieved a letter asking me to ring them to discuss the payment plan

 

i assume this would be to try to extract more money from me

 

i have ignored their request

now receiving a phone call per day to my mobile which i am also ignoring until i receive advice i am reluctant to speak to them again

 

 

 

Should i write to them offering to pay the same amount or just ignore and keep paying the £20 per month the calls i get dont bother me as i just listen to the ring tone and ignore

Thanks

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Just refer them to the PP you have in place and state that

your circumstances remain unchanged and so will the payment

level.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 years later...

Hi i have a credit card debt with NMBA

 

between us we agreed a suitable payment plan

,the interest was stopped and i was happily paying back the agreed amount for about 18 months

 

Then the debt was sold onto Varde

i continued paying the amount that was arranged between myself and MBNA,

 

recently i had a letter informing me that Experto credite were now the owners of the debt and nothing would change

 

i have continued to pay the original amount that was agreed too about three years ago ( now to Experto )

 

Out of the blue i recieved a phone call from them ,

this was after they phoned my mother

how they got her number i dont know

 

They asked me to do an income and expenditure form over the phone which i refused

i also demanded that they remove my mothers number from their records which they said they have

i have now recieved a letter and I/E form to fill in

 

I am not filling the form in as i dont believe they have a right to this information

 

Any advice on dealing with them would be appreciated

i am not trying to avoid paying the debt off but just wish to carry on paying at an affordable rate

Thanks

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Well continue to pay at an affordable rate... The rate you are paying.

:sigh:

 

They try it on and you are NOT Obliged to send anything. If you have been paying MBNA at the agreed rate, the new DCA cannot change this.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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About time you sent a CCA request to the fleecers

 

Varde very rarely did anything with any good debts

They were always the dodgy ones they handled

 

Old thread merged too

You should have done that 3 yes ago!!

 

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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  • 2 years later...

sent CCA request to Varde who wrote back saying they were freezing the account until they located the CCA

 

I have heard nothing from them now they have sold the debt on to PRA Group

 

this is an old MBNA credit card from I think 2006

Should I send another CCA reguest to PRA

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As i said in the org thread

Vardi experto pra

All the same lot

So its not been sold on

 

Until or unless a powerless dca complies with your CCA request you

After 12+2 working days cease all payments

And ignore them

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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  • 4 weeks later...

Yep

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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  • 3 months later...

PRA are on dodgy ground. Is this MBNA to Experto/Varde to Aktive Kapital and transferred to PRA? When was it first transferred to experto?

 

Caps

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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All the same lot just changed name or bought out

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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Can you please update your thread please

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?390273-Capricorn-v-Aktiv-Kapital-(MBNA)-Court-Proceedings&p=4490197#post4490197

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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  • 5 weeks later...

Letter from PRA enclosing some paperwork

The letter they have sent says that they currently deem this debt unenforceable which means we are unable to take court action or further enforcement action against you to recover the outstanding balance

This does not mean that debt has been written off

If we obtain information in the future we will of course provide this to you immediately

Looks like this ones firmly out of the milking parlour

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as expected...ruddy fleecers

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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  • 3 weeks later...
  • 5 months later...

Letter from pra in reply to my CCA request  

They in there words have enclosed requested documents 

Which is laughable to say the least they have sent a statement of what they say I owed when they bought the debt and what I owe now on a  PRA  headed statement 

No paperwork from MBNA 

Sounds like custers last stand for PRA😁

 

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darn the mug didn't fall for our fleecing attempt.

 

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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