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melson

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About melson

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  1. In that same letter they thanked me for continuing to make payments and if I wasn't able to accept the reduced settlement I am to continue with the current arrangement as normal. So they accept that there is an arrangement in place and are happy for that to continue is how I would interpret it. Or am I being naive?
  2. No DX this is another and don't know why it's posted under the MKDP(?) as that's very old but will have an update on that later. I've provided details which you can find above . What other info do you need?
  3. Claimant: PRA What is the value of the claim? £6620 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Before Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? I don't recall Did you receive a Default Notice from the original creditor? Can't remember but imagine so Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments?I didn't. I have maintained DMP What was the date of your last payment? 1/3/2017 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Yes Yes but it came from the county court business centre which is even more confusing as its a personal debt. Or do they all come out of the same centre? Yes issued by Northampton CC business centre and yes have acknowledge
  4. Hi, I'm hoping someone can give me some advice. I have an old MBNA debt which I defaulted on in 2010. Since then I have religiously been making pro-rata payments up to and including this month. MBNA sold the debt to Aktiv Kapital who in turn sold it to PRA in 2014. I know that PRA have been receiving my payments because they sent me a letter towards the end of last year saying "...thank you for your ongoing commitment to the payment arrangement on your account". It goes on to say "....We would therefore like to make you aware that if it suits your current financial situation, you could settle your agreement by paying a discounted amount which is detailed below" The letter ends with " If you feel you are unable to pay the settlement amount then please continue with your arrangement as normal." Which I have done! However, on the claim form they state "..Payments of £307 received up to 16/6/16" and are now claiming sum owed plus 8% interest + court fee + legal costs. I know I have not missed any payments because my bank statements tell me so I know they have been receiving them because they wrote and thanked me for my continued commitment 4 months after the date that they claim they received last payment. To say I was shocked and confused to receive the claim form from the court is an understatement. What's going on? and how to tackle this? Any help would be appreciated.
  5. Copy of the said received letter attached. Thanks in advance for your input folks.
  6. Thanks Miaspa 2010. As I thought. Now to word the letter as to not add fuel. How much of the history should I include if any or just stick to a straight forward request of evidence of the original signed document?
  7. It was a Ltd company with one other director. At the end of the first year's trading we decided to wind up the company but accountant recommended to simply not file docs so that it would get dissolved by company house as this in his professional view was the cheapest way to do it.
  8. This is a bit complicated so please bear with me whilst I explain. The company I was a director of was dissolved by company house back in 2009. The accountant suggested that it would be cheaper to let company house dissolve the business rather than file for insolvency because the company had no assets as we all worked from our own homes using our own private computers etc. The reason why we wanted to wind down the company was because we had set up a charity to take over the consulting side of it which we could no longer run as was. The company had a credit card debt which was subsequently sold to MKDP. We became trustees of the charity and the said charity made an arrangement with the credit card company to repay the debt which it continued to do until it became a charity limited by guarantee - by this time the original trustees had resigned (myself included) and that, from what I can gather, is when the payments to MKDP stopped (2012). I have now received a letter threatening legal action unless the debt is repaid in full. I phoned them and explained that the company was dissolved and that it had no assets. The person kept asking questions about my financial position to which I replied that my personal position is irrelevant but he kept insisting that my name was on file. I explained that was because I was point of contact and for no other reason. He implied that I must have been a guarantor but I do not remember ever signing anything that made me guarantor and asked for original evidence of this. I evidently need to put this request in writing. My question is where do I stand in all this and what is the best way to word the letter? The charity operates from its own premises and nothing to do with the original registered address because as already mentioned we all worked from our own home and the registered address was used more as a convenience than a base. Any help would be greatly appreciated as I nor the other ex-director are in a financial position to settle the debt.
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