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About locks

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  1. Hi All Some more info: - looking though my paper work I have found a few discrepancies - my NoA(s) one from Experto saying they are agents acting for Varde and another one from MBNA saying it was sold to Experto - this contradicts who owns the debt - any thoughts on this please. Also, all paperwork I have had from MBNA has had my correct account number, all paperwork from Experto has a different number which they corrected several months down the line, but my NoA from MBNA on MBNA headed paper had the wrong number and 10 days earlier I had correspondence from MBNA with correct accoun
  2. Sorry to add sent 25th January 2010 remedy date 12th February 2010. How can this be sent out when they do not own it anymore?. Locks
  3. Yes from MBNA in January 2010 sold by them October 2009. Locks
  4. No DN was issued until 3 months after it had been sold by MBNA and this was issued by MBNA themselves after they had sold it. Locks
  5. I might be being thick here, but how can the debt be sold by MBNA when no default notice was issued until 3 months after it was sold locks
  6. Not sure, what should I be looking for? Locks
  7. New thread started http://www.consumeractiongroup.co.uk/forum/showthread.php?321215-Need-help-locks-v-varde-investments
  8. Hi all, need some help as have now got to the court stage. The story goes as follows: the end of 2008 and beginning of 2009 suffered real financial hardships due to being self employed, business nearly went under so in February 2009 stopped paying my credit cards which is 3 in number. One company was understanding, 2 were not, MBNA being the worst. Reading around and getting advice from this forum I sent off CCA requests and got them back with no prescribed terms. The MBNA account which is what I am concentrating on here then sold the account to Varde/Experto in the October of 2009
  9. Will start a thread over the weekend, plenty to tell and will need some help with defence
  10. Got court papers though today claimant varde intend to defend......so here we go round one
  11. Experto Credit, and Credit Management Consultants are one and the same
  12. Hi same postion as you would like to hear any respones.
  13. locks

    Mrs Ms mum v mbna

    I had this offer to on saturday, I am glad i was not left out
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