hi guys - please help with this one... I am based in Scotland...
I had a credit card, 2 actually, with MBNA.
Stopped paying them, and others, about 4 years ago
- as I'd got involved with a company called Credit Issues,
who deemed that all of my credit cards were unenforceable, and I didn't need to pay them.
I knew it was going to screw up my credit rating, but wasn't too bothered about that
- to be safe, I'd say Jan 2016 will actually see everything totally statute barred,
so this gives you some idea of timescale, but I've not paid anything,
nor had any contact with any DCA in the interim.
One card in particular, MBNA = £9000 outstanding approx. was passed between various DCA
and eventually ended up with ARROW GLOBAL, relatively recently.
They wrote to me last week, although the envelope it came in was branded YUILL AND KYLE
- stating they had passed the debt to YUILL AND KYLE, who would be handling this debt for them.
SO why did it come in the YUILL AND KYLE envelope??
it was ignored, as per usual.
However, YUILL AND KYLE have written today saying they will issue court papers
(unsure of exact wording, as I do not have it to hand) if I do not pay within 5 days.
Now, I've had LOADS of these letters, and ignore them, as they wording is 'MAY take legal action...'
- but this time they say the will take legal action
- and reading up on them, I see they're a right bunch, who try every trick in the book
- including the mistiming of letters and so on.
I've not acknowledged this debt in 4 years,
I am sure I have been offered discounts on the debt from previous DCA,
which always suggests to me the debt is a stinker and they cannot enforce it,
so they're trying to get a few quid, which is better than nothing.
Am I correct in this assumption?
If this is correct, I'm taking the chance that they are just trying their hand in the strongest way possible.
And I will NOT contact them, and will wait to see what they do next.
So, question is this,
if they do take the next step, what steps, in the right order, do I need to take next?
I hear about CCA, prove it letters, SAR and so on,
but is there a specific order to these, and to whom should they be addressed?
MBNA, Arrow, YUILL AND KYLE...??
And does sending a CCA/prove it request stop any impending legal proceedings, for the time being?
And also, does sending a SAR, CCA etc admit any liability for the debt whatsoever...?
I'd dearly love to sit this out and for it to go away once it becomes statute barred,
and drop off my credit file, so I can start rebuilding my credit rating again.
Any help VERY MUCH gratefully received - many, many thanks in advance.