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Found 16 results

  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. Please can anyone help with advancing this? I would be really grateful if a Default Notice 'Expert' could kindly offer me any advice. I have a long standing dispute with a Creditor on my DMP – MBNA/Moorgate (sold to IDEM post complaint Oct 2016). Original creditor MBNA on DMP May 2009, sold to Moorgate 2012, Default Notice from Moorgate Dec 2013 but binned by them (even though letter to terminate agreement thereafter also and no other monthly statements received), they didn't record the Default Notice with CRA either, I have (Moorgate) arr
  3. Hi everyone I sent some CCA a few months ago, some had copies some didnt. Moorgate have 2 of my credit cards and they couldnt find the CCA ...until now. It was an MBNA credit card i took out Theyve sent me a copy of my original agreement in 2003, its signed so i guess im still owing this one? As long as its a proper, signed copy i still owe it correct? thanks
  4. Hi there my experian credit score is 577 and I really could do with sorting this out as soon as I can. Backstory: A few years back, I had far too many cards with way too high credit limits and spent more than I should and could really afford. I managed to get a check on myself and stopped the spending, did some balance transfers etc to try and make things more affordable. I missed the odd payment here and there due to lack of being organised or simply not having enough money in my account that month. Then, out of nowhere, some of the credit card co
  5. Hello All, I would dearly like some advice, if youcan provide. I got into significant debt (132K) with 29creditors. This was due to my ownstupidity thinking I was managing my debts. In the end, I was taking out cash on credit cards to pay monthly minimums! How stupid can you get? I’m sure others have done this too! In mid 2010 I just didn’t have the money to continue to pay. All accounts were defaulted and I utilised the fantastic services of CCCS, now StepChange. They set up a DMP for me which meant I could be debt free by 2021.
  6. Guys im trying to negotiate f and f settlements with moorgate, but they just wont play ball. How can i make them accept? Ive explained that our income will drop next month due to maternity leave, but no avail. Im offering 75% of the balances, which i think is really reasonable, and its the best we can do, any suggestions please? Its also really hard to speak to them over the phone, they refuse to discuss settlements over the phone, which makes it so much harder.
  7. Hello, I would appreciate some advice if someone can help please. Back in Jan 2012 we fell into arrears on a loan secured on our house, we ended up going to court (this site gave us loads of advice & help prior to court) and we agreed to pay an extra monthly amount to clear the arrears. The loan was sold to Moorgate Consulting in 2013. Moorgate wrote to us in October 2014 asking why hadn't made the agreed payments, we called them to state that we had and ended up sending them bank statements to prove payments had been made. They then called us back and stated it was their e
  8. Hi When MBNA sell a debt on to a debt collection company, in my case Moorgate, should the original defaulted MBNA record stay on my file? I had two MBNA credit cards, both defaulted in 2011 when they sold the debts on to to Moorgates, (having not missed any payments!!) yet both MBNA remain on my credit file as closed in 2011. The Moorgate accounts are on my file as well, shown as closed Feb 2015 because I've just paid them off. Should these accounts be duplicated? When First Direct sold my debt to Arrow Global the First Direct account disappeared. Thanks you
  9. timn

    HSBC & Moorgate

    Hi, I am a little confused about something and was hoping someone can help. I have been on a dmp for the last few years and one of my debts was an hsbc credit card. As far as I am aware the debt was sold to brittanic recoveries and then being serviced by Moorgate along with another of my debts (MBNA). However, today my HSBC debit card was declined and I was locked out of internet banking. I called HSBC and they said it was related to my credit card account but that department was closed. After insisting on an answer I was told that the accoiu
  10. hi i had an mbna cc from 2001, sold to moorgate 2012, there was an arrangement on it to pay 57.00 per month from 2008 as balance was well over 5000. i paid mbna all this time, i didnt know moorgate purchased the debt and they rang and wrote saying to change my standing order to them, i refused saying ive no agreement with you bla bla. they then wrote saying my account would be paid late as mbna takes 2 weeks to give them the money, i again said not my problem my agreement is with mbna not you. ive since (apr 14) found Removed website read up
  11. After a bit of legal advice. Britannica Recoveries SARL issued a claim against me in Last year which they failed to submit the DQ and Court fee for and are currently struck out. Have a hearing tomorrow when they are trying to reinstate claim. They have changed the name on the Court proceedings to Paragon Personal Finance without any application to or permission by the court. Thereby the claimant has changed. Being represented by Shoosmiths. I am sure this cannot be allowed to progress but is anybody able to give me the correct legal argument? Also does
  12. Sent a cca to MBNA - they sold to Moorgate Sent a cca to Moorgate on 13th November - they cashed in cheque on 20th November - heard nothing since then - absolutely nothing. I have had three reminders that I owe them money... but nothing else. Any words of wisdom from the esteemed people on here?
  13. Had been on a reduced payment plan with A&L for a credit card and have paid every month the agreed amount for at least 2 years. Out of the blue I get a letter from Moorgate saying they now own the account and to continue making payments to them. Should I have had a notice of termination or something from A&L or something? All seems a bit odd to me as I have heard nothing from A&L.
  14. I would be grateful if you could help me with my case. Things became difficult for me and I had to default on my loans and obligations. I had a loan with Egg. who transfered it to Barclays then Moorgate Britannica. I am registered with the cccs and have made the £1 to all bar these. I requested that they send validation that I owe them this money and the only response I have had is a court hearing. I appealed to the court and now have a Defence filed questionnaire. Have I done the right thing and what should I put in the questionnaire? Ps, I rang Moorgate thi
  15. Hi, I had a credit card with MBNA which due to my circumstances I am unable to make the required payments. They accepted my offer of £1 a month but after approx. 6 months sold it onto a company called Moorgate. They (Moorgate) have now written to me demanding the total sum but they now claim it is a loan I have with them. Can they change a credit card debt into a loan as I have never signed an agreement with them or had any previous contact off them. Do I send the usual letter requesting they supply me with a copy of my CCA agreement or do I ask for a copy of the loan agreement
  16. Hi guys I have an existing 'debt' that was with Virgin for a credit card in the region of around £25k, although I think I'm about to dispute the debt. Hopefully one of you lovely people will be able to help me clear up a few questions I have. Since the time of my original application for a CC from Virgin, they have been taken over or otherwise transferred to MBNA. After writing to MBNA requesting a copy of the original Credit Agreement, which was with Virgin, they have responded by sending a copy of an online form that they have printed out. Firstly, is the online
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