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Gavalar

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  1. Also how do I reclaim any late payment fees is this through MBNA or Hillsden? Any money my way from all this mess would help
  2. I'm just so worn down with all of this, I have had to take a loan to pay it off so yes it's costing me a lot more over the next 3years I really can't go to court and defend myself it would hang over me, could I apply afterwards for them to prove the default was applied and have it removed from the 1 credit file it sits on?
  3. DX, can you help please, I have finally raised the money to pay this off - but I am so near the date of 14 days. It shows the issue date is 14th Aug - If I send this recorded delivery in the morning is this going to be ok?? Please help after all my hard work and stress of raising this money I fear that they will take the money and ccj me ---- please advise asap!!! Help Gav
  4. If I was able to find the money would I be able to just pay them off instead of going to court? I would struggle raising the money but the thought of going to court just scares me and paying, allbeit not right seems the easiest option. Please help time is not on my hands here Gavalar
  5. Hi Citizen B, Thank you so much for taking the time to reply to me (And thanks DX) I have never received a default notice from MBNA and through reading their notes cannot see anywhere that they have documented sending one. I have also never had a notice of assignment. I will have to go back through and see when the last payment prior to £20 was made to MBNA this however will be probably up to 5 years ago. I did originally apply for the account on line, When the SAR was sent back to me there were no actual copies of statements from MBNA only a print out from their PC of the account with the running balance. Where should I go from here? Gav
  6. Is there anyway of delaying the court process and me trying to find the money to pay them?? Please I could really do with some advice guys? Gav
  7. Hi Dx, How can I get the Legal bods to see my thread, I'm absolutely claiming the walls here Gav
  8. Hi All, Can anyone please help me here, Im not sure what to do next? Thank you, Gav
  9. Hi All, Came home Sat from Work and My Fiancee was glowing with excitment with the news she has booked a two week get away for us to spain in a fortnight and organised time off work for me! A feeling of excitement for all of 5 mins until I opened up my mail....And there it was the dreaded letter - From feeling happy to stressed and scared! What do I do from here - and more so if I go on Holidays and they reply I will not be able to respond....Help Help Help!!! Gav:-x:|
  10. Hi DX, It shows from the SAR from MBNA 17.06.2010 - "Faster Payment - Thank You" - £20.00 30.06.10 - Charge off Adjustment -£10,082.18 30.06.10 - Charge off Adjustment £10,082.18 16.07.10 - Zero Curbl on Sold Account -£10,082.18 19.07.10 - Faster Payment - thank You - £20.00 12.08.10 - Payment Adjustment £20.00 In The dialog from MBNA 16.07.10 - SOLD TO DIRECT LEGAL - REFER TO 08707446482 Ive had a good read through the notes and cant see that they have said that they were going to default me - I had missed more than 3 payment prior to my token gesture of £20 in June 2010 though. So much paper work, im swimming in a deep sea here and feel my arm bands are floating away. Gav :-/
  11. Hi DX, Did you see my post above regarding the debt showing on Equifax? Very concerned now having only ever used Experian? Why would this be? experian seem very much more up to date with all my current payments etc? Gav
  12. Hi Guys, Thanks for the response, DX im not sure if you saw my post a couple of weeks ago but ive always used experian and nothing has ever been on there for either MBNA nor Hillsden however i joined equifax a fortnight ago and there is a red marker up on there and shows a debt to Hillsden as defaulted. However I also have a secured loan which ive been paying for a few years only one missed payment 14 months ago and on Experian it shows all the payments are up to date and no problem bar 1 missed payment yet on Equifax it shows the account as defaulted all in red! Obviously the main thing im concerned about is that Hillsden is showing up on Equifax - but no trace of MBNA ever being on there? Strange!
  13. Taken on board DX, Just up to my eyes with worry! Sorry, but I do relly appreciate the guidance and it feels like support. This site is brilliant and the people are fantastic to give up your time to help and to respond. Thank you so much.
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