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Idem and MBNA £7k debt


torch1
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Received a new PAP from IDEM today for another MBNA debt (£7k remaining - debt from June 2007). IDEM have already supplied the CCA (from online application) along with reconstituted T&Cs and a complete detailed account statement.

 

Any advice please - would I be able to defend this?

 

ps. IDEM also sent ResolveCall around twice (once per debt account) but were ignored and written to with a complaint letter.

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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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Still follow post 6 in our pap thread

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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dx, will do but haven't they provided everything already in that advice apart from the default notice and notice of assignment? So I imagine they would just wait 30 days and take to court anyway?

 

Since this is a large amount, wondering if its better to negotiate a low F&F (full and final settlement), rather than be stuck with making small monthly payments for the full amount demanded from the court.

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Let them issue a claim first before considering any payment offers...you can mediate during litigation and you never know they may never issue a claim.

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Thanks for the advice, did not know there would be an opportunity to mediate during litigation. Although I think that puts them in a stronger position if they know they would eventually be paid the full amount but over a very long term.

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No it doesnt

Get the post 6 return done

Do not use their form!!

Use the one attached in that post 6

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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