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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Results 21 to 36 of 36
  1. #21

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    all good no don't re request CCA.

    post it up here 1st mind!

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    DX
    RIP Martin3030

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  2. #22

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    DX, Post what here 1st? I have posted the original agreement here already, see post #1 in this thread.


  3. #23

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    your PAP reply

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    DX
    RIP Martin3030

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  4. #24

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    My PAP reply is just:

    Box D ticked.

    I dispute the debt because the claimant has failed to suitably comply with my CCA Requesticon of ...[DATE]...

    Box I ticked:

    A copy of the Default Notice
    A copy of the Notice of Assignment
    A complete set of statements detailing exactly how the debt has accrued detailing:
    I. All Transactions.
    II. Any additional charges, be them by the original creditor or you IDEM Servicing the debt purchaser or any predecessor
    III. Details of all contractual interest added by whom and on what date.
    IV. List of ALL Payments made toward the Agreement


    Do I need to add any more than that?


  5. #25

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    nope great get it off tomorrow

    use 1st class post get free proof of posting from the PO counter.

    if a powerless DCAicon wants to issue a speculative claimformicon hoping you keel over and cough up or ignore letting them get a default judgement doing or not anything prior to that is pretty much immatereial
    but abiding by the PAP rules goes in your favour.

    as for where this might go...just because they might issue a claim
    doesn't mean they will carry it all the way through
    they've yet to supply all those other docs you are requesting in the PAP letter
    and you'll do that again as it goes through the process of the court claim if they've still failed...

    our search CAGicon box of the top red toolbar is useful for finding info

    mbna CCA return for a start

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  6. #26

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    Thanks dx, do I need to date the completed PAP form within 30 days of the original letter?


  7. #27

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    if you wish but it wont matter

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  8. #28

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    Thanks it went off this morning 1st class, lets see what happens..


  9. #29

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    Last payment was July 2017 via stepchange


  10. #30

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    No response yet, worried they will just wait 30 days and take to court. IDEM provided everything apart from requested Default notice and letter of assignment.

    Is anyone able to check my attached CCA in the PDFicon to say if this is an enforceable debt or not?


  11. #31

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    Already answered in post 16

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  12. #32

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    Quote Originally Posted by dx100uk View Post
    Already answered in post 16
    dx, I am not sure if "that CCa is a copy n paste jobbie" means it is enforceable or not?

    My understanding is that all post April 2007 CCAs are enforceable even if they supply a reconstituted terms and agreement?


  13. #33

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    But they must be a true copy not a copy n paste jobbie trying to make it so

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  14. #34

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    IDEM have now wrote stating they will request the required info from my PAP response from MBNA and forward it to me in due course.

    Do I need to start disputing the CCA response provided?


  15. #35

    Default Re: IDEM re MBNA Debt - ignored PAP now got 7 day court threatogram

    Nope sit on your hands!!

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  16. #36

    Default Re: PRA Group ClaimForm - MBNA 3k card debt

    FYI, PRA Group sent me a discount offer several months ago before receiving the PAP. Now they want the full amount in the CCJ plus costs.


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