Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #161
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Maybe...but thats been doctored.....online applications do not have a signature box...and the IP Address has been altered by black pen.

    Take a look at the following thread post#45 this contains an online application

    https://www.consumeractiongroup.co.u...EGG-loan/page3

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  2. #162
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    Default Re: Arrow/Restons claimform - old MBNA debt

    please remember the golden rule
    whatever MBNA sent you

    you keep to yourself

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  3. #163
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Original credit agreement that MBNA sent me in my SARicon

    Attached Files

  4. #164
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Hey guys
    no court date yet
    any more help with the WS collateral?
    cheers


  5. #165
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    Default Re: Arrow/Restons claimform - old MBNA debt

    lets await the court date
    if a hearing ever develops..

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  6. #166
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Hi
    Court date set for 5 feb.

    Got a notice of hearing of application with another copy of the witness statement etc

    I really need this off my back,

    is there any way to settle this directly with Restons?


  7. #167
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Contact Restons and ask if they would consider settlement by way of a Tomlin Order.

    We could do with some help from you

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  8. #168
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    Default Re: Arrow/Restons claimform - old MBNA debt

    What I mean is, can I offer a reduced settlement rather than paying the full amount?


  9. #169
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Quote Originally Posted by bja100 View Post
    What I mean is, can I offer a reduced settlement rather than paying the full amount?
    As per my last post ring Restons.

    We could do with some help from you

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  10. #170
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    Default Re: Arrow/Restons claimform - old MBNA debt

    I'll ring tomorrow. I assume this won't change my case if I do still go to court?


  11. #171
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Quote Originally Posted by bja100 View Post
    I'll ring tomorrow. I assume this won't change my case if I do still go to court?
    No...if its not successful you simply proceed as per the directions...have you finalised your witness statement and disclosures?

    We could do with some help from you

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  12. #172
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    Default Re: Arrow/Restons claimform - old MBNA debt

    No because DX was helping me form a WS, I am really struggling to find holes in theirs other than whats already been written in this thread.


  13. #173
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    Default Re: Arrow/Restons claimform - old MBNA debt

    who says only you about struggling to find holes? depends what you fin are holes?

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  14. #174
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Spoke to the solicitor.

    They rejected my offer and told me £6400 was the lowest they can accept.

    They have asked me to put together income/exp and also details of supporting circumstances (personal/financial) to support a lower offer.

    Question:
    is it worth pursuing this and giving this info (i was going to do so tonight)? If I can get to a much reduced settlement I can find the money, save a CCJ.

    Alternative they can offer payment arrangement for full amount.

    question
    again what happens
    can I still offer reduced settlements say next year when I have more money?


  15. #175
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    Default Re: Arrow/Restons claimform - old MBNA debt

    what do you expect from restons...

    i still disagree with their 9.i you have never signed any agreement.

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  16. #176
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    Default Re: Arrow/Restons claimform - old MBNA debt

    So thats a £1000 less of the initial claim......how important is it to avoid a CCJ ?

    You could provide a detailed I&E and they may still reject any settlement but then have all your details.

    Would they accept the £6400 in monthly instalments by way of a Tomlin Order and no CCJ?

    Andy

    We could do with some help from you

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  17. #177
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    Default Re: Arrow/Restons claimform - old MBNA debt

    I have never signed it but I ticked a tick box that is classed as a signature so I did by law sign it.

    As much as it would be great to go to court my chance shall of winning are about 20%z

    I need to avoid a CCJ, I want to buy a house next year and this will ruin my chances for another 6 yearsicon. Also I need to not have this stuff over my head any longer.


  18. #178
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    Default Re: Arrow/Restons claimform - old MBNA debt

    If your CRF is already trashed with defaults or AP markers, any chance of preferential mortgageicon rates you might want will be nigh on impossible to get.


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  19. #179
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Quote Originally Posted by Bazooka Boo View Post
    If your CRF is already trashed with defaults or AP markers, any chance of preferential mortgageicon rates you might want will be nigh on impossible to get.
    All of my debts and defaults will be 6 yearsicon old by August this year.
    I donít understand surely getting a CCJ is 20x worse than my current situation. Then I would also be liable for the full balance and not a partial settlement?


  20. #180
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    Default Re: Arrow/Restons claimform - old MBNA debt

    partial settlement on CRAicon s would show partial settlement until 6 yearsicon then drop off, so even if you had a partial settlement what is the use when viewed the same as outstanding? no way around it , CCJ stays from when you get one for the 6 years anyway so if you got one in year 5 then you would have a further 6 years starting over again? no way out until cleared on CRAicon file???

    that is the general way it runs it seems, unless of course a Full and finalicon settlement with an agreement to clear DCAicon entry which is very very rare done these days.

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