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About stressedkitty

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  1. I am done! And I'm not done-in! Not yet anyway Right, a summary. I tried negotiating with MBNA. I already had done once, last week. From my 15k card - now grown to 16k with court fees etc, they initially came in with a settlment offer of 13k. I went back with 8k, stressing this was the absolute most I could raise from my family. This was rejected. I was told that the very least they would accept was just over 9.5k. I had a fully detailed letter of offer through the post, via Restons, outlining it would be a full and final with NO further action by them or third parties. I have
  2. Hi eatcake, Been subbing to your thread (have my own case going here) and just wanted to say that I'm very sorry it didn't work out for you yesterday. Sending best wishes kitty x
  3. Well, with the help from my family, I've made the decision to take MBNA's settlement offer. I guess I'm lucky that my family is willing to scrape together all they can (they are not wealthy at all) to help me. As much as I believe that the way MBNA operate is terrible, bordering on crooked, I know my personal limits. I am not good at things like arguing my case. Stress makes my brain stop functioning. I hope that no one here thinks that I'm being a coward in not fighting my corner and taking this all the way. I'm trying to be sensible, knowing my situation and limits. I am actually VERY V
  4. Hi DizzyD, I'm subbing your thread. This is just to wish you good luck. We're in the same boat and at the same time. Someone with more experience will get back to you re the CPR request. They are obliged to fulfil your request. This is their way of trying to throw you. I have heard that Miss Tipping is, umm, awkward at best. Keep that letter; shows they are not co-operating. Can someone advise Dizzy on her response to the 'delightful' Miss Tipping please? Good luck hun. Kitty x
  5. Hi wycombe They have given me to the end of this month (May), in order to give them time to stop the case. I thought that 60% was not too bad. Or maybe that's just me - I'd probably give a kidney to get rid odf the stress of this particular credit card company. I cannot believe that Virgin allowed their otherwise reputable brand name to be used by a company that are so borderline dodgy. My goodness, all of us who have been stung by MBNA should post info where-ever we can on the internet. People should know how terrible they are!
  6. OK, back, alive and kicking and in one piece. Had a stress overload at the early part of this week and have grappled my life back into some sort of order. Newbies like me do take note; stress is a mind killer. If you're in a difficult situation, do everything you can to keep the stress levels managable. Having sent letters to Restons solicitors and several names/departments at MBNA requesting WHAT I could do to rectify matters. I now have a reply. MBNA have said that two options are possible: 1. Agree to increase repayments. the minimum monthly is 3% of the balance. 3% doesn't so
  7. Thank you everyone for your wonderful words; they help to keep me strong rather than falling down at this difficult time. Thank you x Right, please could I ask for advice... Today I have received, from Restons, two letters. One is my letter CPR 31.14 to them, returned back to me. And the other is my s.77/78 request, which has also been returned back to me. Each one has an attached letter from Restons saying: "Please find enclosed a draft letter which purports to come from you but which is unsigned" and "Please ensure that all documentation is signed failing which we will not ac
  8. Well, it's the beginning of week 2 now. Having already sent off the first batch of requests, I'm now filling my brain with as much info as possible to look at ALL options and proceedures. A little bit of me thinks that because I have been attending to my funds properly (no missed payments, notice and request in advance to go on reduced payments etc etc) and even so, only 6 months later I am being taken to court by MBNA (after they had agreed to reduced payments and I have made them promptly every month) if this keeps on I may as well consider bankruptcy. I am currently researching this on th
  9. Well it's Friday evening and the first week is coming to a close. I've sent off all the relevant requests and forms. Plus I have written to both MBNA and the solicitors, stating that I would prefer the matter not to go to court and could they let me know what they would consider acceptable as a repayment/s in order to stop the claim. I'm shattered. I feel like an idiot. Payplan have been good in many respects, but with regards to this they've contunued to say 'don't worry, it won't get that far' and they will just do this or that, and now it has gone that far. Hence I am now doing it my
  10. SAR done now too, to MBNA, ready to post as soon as I get the £10 PO tomorrow morning. I just wanted to say a HUGE thank you to everyone here so far. The advice and kind words are like a star on a dark night. My stress levels are still mahoosive, but I think that now I've found you guys I can retain enough focus to move ahead. Thank you. Kitty x
  11. Right, CCA request done and ready to post tomorrow, with the £1 postal order. Just in case anyone reads this thread in the future, here is a copy of the template I used (thanx supersnooper ) Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974 1 High Street, Newtown, Kent R21 4RH June 28, 2006 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Re:− Account/Reference Number 4563210025897412 This letter is a formal request pursuant to s.77/7
  12. A question please, and I have tried searching threads before asking... Do I need to send a CCA request too? My head is spinning with all of this. Some threads show they do, and some show no sign of one. My brain is turning to sludge.
  13. Thank you supasnooper Appreciated And apologies at being such a newbie to this. I understand that section a bit better now. No CPR 18 unless specific questions need to be asked. I'll continue reading up to get more familiar with what, when and why.
  14. Yes, let them do some work too. That actually made me smile! First smile all day - thank you!
  15. A quick question... anyone. When I send my SAR, do I mark it for the attention of any specific department or person at MBNA (the claimant)? thank you guys! kitty x
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