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Found 16 results

  1. I Have a £3500 cedit card debt with NMBA a repayment plan was set in place of £20 per month which i paid every month after about six months they transfered the debt to a DCA experto credite They contacted me and the payments remained at £20 a month after six months i have recieved a letter asking me to ring them to discuss the payment plan i assume this would be to try to extract more money from me i have ignored their request now receiving a phone call per day to my mobile which i am also ignoring until i receive advice i am reluctant to speak to them a
  2. Issue Date: 21/02/2017 Claimant: PRA Group Solicitor: Surjit Gida (Legal Rep) Original Creditor: MBNA Particulars of Claim: 1.On 11/06/02 the defendant entered into an agreement with NBNA for a credit card under reference: xxxxxxxxxxxxxxxx. 2.On 31/05/10 the defendant defaulted on the agreement with an outstanding balance of 6895.76. 3.On 29/02/2012 the debt of 6895.76 assigned the debt to PRA Group (UK) on 31/12/2014. Notices of assignment were sent to to the defendant in accordance with S136 Law of Property Act 1925. 4.Payments of 54.00 receiv
  3. Hi, I am dealing with a DCA on behalf of my father. The debt is in his name but he was helping me try and keep a business afloat so I have been servicing the debt. Here's where we're at: The debt was with a credit card company but the company sold the debt to a DCA in Sept/Oct The DCA wrote to my father advising them that they now held the debt and would be writing further. Nothing else was received from the DCA until early December when they sent a totally incorrect '. ..despite numerous attempt to contact you...' letter. I wrote to the DCA enclosing a let
  4. Can anyone please tell me who Experto Credite are, and should I be worried that they are suddenly named as the recipient of payments that I was originally paying to inturum justicia.
  5. There are posts on forums that Experto Credite are about to go belly up. If you search "Experto in trouble" in google you will find the posts. Posters are saying that Experto Credite can't pay some government department (HMRC/VAT?) and they have stopped paying staff. I have plans with them for debt they have bought from MBNA (Varde?). Should I keep paying them? I am worried that my payments will go missing or be frozen if they go bust. Anyone else here have payment plans with them?
  6. I had lost my job and made an arrangement to pay RBS via their collection agent £5.00 since 2003. In 2008 as I got a highly paid temp job, I made a written arrangement with collections agents . Bryan Carter for full and final payment in settling the obligation by paying about 65% of the outstanding. I have been contacted by RBS and Experto Credite on the debt that I settled under an arrangement paying a lower amount in 2008 via the previous collection agents Bryan Carter. I stopped paying my had not heard anything, received a statement of account or any communication
  7. Here goes... I've been trying to find similar cases to my own, but have ended up confusing myself with masses of helpful advice - somebody please help. I have a Virgin MBNA card with a total debt of around £17K. I have stopped paying anything to them after the interest rate went through the roof, and I have been unable. I sent a CCA (with a postal order) on 10th May and when they phoned on 21st May I thought it was about that. It wasn't, just general hassle, so I copied the MBNA operative my letter (email) and waited. I waited until 8th July, at which point I
  8. I was wondering if anyone can help me. This morning I received a letter from Lewis Debt Recovery with a balance owing of £2k on a £12k loan for a vehicle purchased July 2005. |ewis want the full £2k by the 25 October. To date I've paid £10,067.75. I can't seem to work out the interest I'm supposed to be paying. I did query this at welcome in 2010 and they sent me a letter stating they had made an error in my favour off 200 pounds and it also says in the letter that they find that the figures on the contract do not reflect the correct total amount repayable. I have no is
  9. Afternoon all, I received a letter a while back of Experto Credite regarding a welcome finance loan that went statute barred nearly 3 years ago chasing it, thought nothing of it and left it. It would appear they have now obtained my mothers mobile phone number and have been harassing her today. I have just spoked to them on the phone to ask them to immediately stop ringing my mums number and also to advise this debt is statute barred and unenforceable, they kept asking when will I start a payment plan and I told them where to shove it. Has anyone else wit
  10. On the 6th may I received a NOA letter from Experto Credite (copy attached NOA Experto 6) which I knew nothing about as my last dealings with Welcome were about six years ago and to the best of my knowledge satisfied. I then received a second letter on the 23rd May stating that as I had not replied to the first letter they would be registering the debt with a CRA. (see attachment Experto Credite 23.6) I have checked my cra files with both Noddle and Creditexpert and the only reference to Welcome was in an archived Creditexpert report dating back to November 2013 (copy o
  11. Hi all, new here and hoping for some advice with ref to an MBNA credit card. The card was taken out in 2006 according to my CreditExpert file. I think the account was transferred to Experto around 2009/2010, at least I have a letter from them dated Oct 2010. Around this time I was struggling hugely financially and I was receiving letters regarding various debts on an almost daily basis. I have letters from Experto Credite, Credit Management Consultants and Aktiv Kapital since then until the present time, various threats, discounts offered (which I hadnt been in a f
  12. Split out from http://www.consumeractiongroup.co.uk/forum/showthread.php?396381-Observations-please-on-how-I-hope-to-deal-with-a-number-of-debts , addressing a group of debts. CCA letters sent, now posting individual cases separately as each progresses: ************** This relates to the third of the four, a debt in respect of a defaulted Nat West loan with £5 per month being paid to/via Intrum Justitia to whom I sent a CCA letter just over a week ago. I have now had a response from Experto Credito advising that they have taken over the account from I-J, and I am to deal wi
  13. I just recieved the documents back from Welcome Financial after the SAR Request. Within all its contents, there no no mention of them sending me a default notice, no copies of the default notice nor have they mentioned the postal of such notice in the Account Collection Notes that they have provided. It does mention that a Default sum notice was ISSUED on 02/01/2009 and the default was placed on my credit file on 11/05/2009, but I do not recall recieving any default notices. What suprises me is with the SAR documents they have sent a Default notice dating 23/11/2010 with no signatu
  14. I have today received a letter from Experto Credite who have said that they have been instructed by Intrum Justitia to collect a debt purportedly owed by me. I have no idea who either of these two companies are and will be sending the Prove It letter, but as they have sent it to me in my maiden name do I type my maiden name or my married name? I have also been married for 10 years so it could be a statute barred letter going next anyway! Any advice very much welcomed.
  15. Hi All ... I'd be grateful if someone could advise me on this matter, please. In June I received a letter (dated 08/06/12) from a company I'd never heard of ... 'Experto Credite' ... claiming that I owe £355. The letter states: "Your account details have been passed to us by National Westminster Bank PLC to act as a collection agent and we will now be dealing with your account. If you are making payments to Intrum Justitia then there is no need to contact us as we have taken over the management of this account but the address and bank account remain the same, so we will continue
  16. HI guys I received a letter from Natwest stating that they have been trying to contact me for outstanding debts that I did not know about (they have not), they have now passed it onto Experto who will be contacting me. They have supplied no details so I do not know what this pertains to, so should I phone Natwest directly, or should I wait for Experto to contact me? I have now for the first time in years applied for my credit file to see if anything has been put on there. IN the past I would have ignored these letters, but this forum really has helped me to be proactive.
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