Gavalar
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Everything posted by Gavalar
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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
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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?
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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
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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
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Hi Guys, Anyone able to help me here please?
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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
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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
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Hi Dx, How can I get the Legal bods to see my thread, I'm absolutely claiming the walls here Gav
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Hi All, Can anyone please help me here, Im not sure what to do next? Thank you, Gav
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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:|
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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 :-/
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Hi DX, It Shows the defaulted date as 30.06.10 Gav
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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
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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!
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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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Court Claim Received from Aplins for MBNA CC
Gavalar replied to BT2505's topic in Financial Legal Issues
Any Updates on this? Gav -
Hi DX, Is there anything else I can do apart from wait for the court letter to arrive? I have googled it and seen on here that Dlc/ Hillsden / Aplins push it through to court and are usually successful with CCJ's Im scared to come home most days with the fear of the letter on the door step, Is there any way I can attack before they issue this to me and I frantically have to put some case together which I know ill be unable to do. Im so sorry about the long babbled post im scared so much and just want to try and tackle this its ruining my life at the moment thinking about it day and night :-x:| Gavalar
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Hi DonkeyB / DX I did send the letter placing the account in dispute, I posted the response letter up here on the 8th May where they summaried that the complaint was not being upheld. Have aI missed a letter I should have sent? I need to respond with something before the end of week and im worried as im so busy and tied up with work - its taking over my life with stress with the thought they will push this to court which they have done with many recently. What can I do - please help me, what do I do next Please help, Gav
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Hi DonkeyB, I wrote to MBNA with a SAR and they sent all the details back within the corect time frame, DLC / Hillsden sent me the CCA (Albeit photocopys and a tickbox where I allegedly signed) Is there another letter I should have sent? The dates are, Last Payment: 17.06.10 , Sold Account: 19.07.10 On Equifax Hillsden have go default date: 30.06.10 Any Advice.... Im climing the walls here... should have been in bed 2 hours ago ready to start my nightshift at 1am I really appreciate the help that everyone has offered me so far. Thank you , Gavalar
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Hi DX, Here is the letter they sent me, through looking through the net, they have taken a lot of people to court recently and succeded to gain a CCJ against them. Im so worried now! Gav[ATTACH=CONFIG]45433[/ATTACH]
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Hi, Ive just been looking at my credit report files and decided to try another and opened a 30 day free Equifax account, everything is pretty much the same as everyother one ive seen however as I scrolled down there is an acoount in RED - CREDIT CARD FROM HILLSDEN SECURITIES - DEFAULTED! First time ive seen it on a credit file! Can someone please help I really couldnt cope with going to Court, Im so out of my depth and drowning here. Please any advice from a desperate and very depressed Gavalar
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Hi all, Ive been a while replying here sorry, Ive sat on this a bit which has again come back to haunt me! Today I have received another letter from Aplins acting on behalf of Hillsden Securities stating that they have been instructed to issue legal proceedings against me unless Full payment is made immediatley. If payment hasnt been received within 14 days a claim will be issued against me at Northampton Court with an application for the registration of a CCJ. Ive read on forums that they have actually pushed this through with many people recently. Please help what do I do? I feel as if this is crippling my life, im besides myself with worry and this is really starting to show in my day to day life. What do I do from here....Can anyone please help me? Gav
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Hi DX thank you so much for your reply, I'm typing this on my mobile phone unfortunately from Hospital after being rushed back in yesterday early hours. Currently on a drip and on the road to recovery! I will read all the info when I can see it on the PC when I'm home which I hope will be Wed / Thurs so I'm told. Thank you for your ongoing help and advice. Thank you Gav
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Hi, Sorry to be such a pain, Im not sure what to do next can anyone help me please? Thank you, Gav
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Hi DX - Thank you for responding - Im sorry It has taken me so long to come back on the site. The day after I posted last I started having severe chest and back pains and got rushed into hospital - I had Double Pneumonia and have been in hospital for almost 10 days as Im also an asthma sufferer which it affected as well. ive been even more stressed about not being able to get back on here to have some advice where to go next its really taking its toll on me and obviously my health at the moment - I never thought stress would hit me as it is at the moment if these debt collection people could see what it does to people! Anyways rant over... I have gone through the report which MBNA sent me and looked at the statement in finer detail and this is a summary: Account opened with a balance transfer on 15.05.06 Late fees x 27 at £12 = £324 Then from the 15.05.08 there are 'Finance charges' each month thereafter there are 3 entries on the same date saying finance charges for amounts like £11.74, £45.89, £119.12 .... Having totaled all 'Finance Charges' these come to £4642.14 The last payment shows on 17.06.2010 30.06.2010 It then states Charge off adjustment - £10,082.18 19.07.2010 Zero Curbl on sold acct -£10,082.18 I really dont know what I do next with this and what I do with DLC / Hillsden they sent me another 'Statement' whilst in hospital - just what i wanted to open when i had my mail brought into me! Can someone please please help me as I am so worried about this. Thank you in advance for taking the time to read this and hopefully advise or help me. Best wishes to you all Gavalar
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