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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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MBNA/Restons claimform - old A+L Card **WON+COSTS**


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Dunno if in right place but help and advice needed please.

 

About £11k owed to MBNA credit card after marital split,

wrote to them with circumstances and offer of £20 per month (income had gone down by more then half) heard nothing other than I'm in default

 

then got letter from Restons solicitors wanting payment of full amount by today or an offer of payment.

 

Filled in income and expenditure and made offer of £20 per month from whats left over (about £60)

 

got letter today saying offer been refused and Restons been instructed to commence legal proceedings.

 

So what do I do now.

 

So many threads to looks at and I am really confused.

 

I dont want to go to court.

Please help:-?

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Thanks,

Thats all I can afford,

will it all be done by letter?

 

Can bailiffs take property off me?

 

I have other debts and I have just arranged payments with them no need to go to court.

 

Is it enforceable,

 

whats all the forms with £1 sent to the creditors.

 

Its confusing and Im rambling as its a shock.

 

Sorry

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CCA letter sent recorded delivery 27/11/08 to Restons.

 

I received court papers from Northampton today (They quick off mark)

 

do i respond to court docs, saying denying all and await CCA.

 

I will type up wording from court doc on monday when not in work (prying eyes and all that) Help:(

 

Office is empty at the moment so here is the POC.

 

The claimant claims payment of the overdue balance due from the defendent under a contract dated on or about 6/12/2005 in the sum of £11224.46 inclusive of interest to the date of this summons at 8% per annum from 18/11/08 to 27/11/08

 

particulars acc no (my account number)

 

18/11/08 default balance 11214.35

21/11/2008 post refrl cr -12.00

21/11/2008 12.00

27/11/2008 interest 22.11

Total 11224.46

 

Together with

Interest pursuant to s69 County Courts Act 19 at the rate of 245.53 pence per day to the date of judgement or sooner payment.

 

So what do i do now. Please help cos i am poo pooing myself.:(

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Have you got the receipt for the CCA request you sent?, you will be needing it.

 

Yep safe and sound.

 

CPR going today recorded not signed to solicitors.

 

When i defend the claim do i get a court date?

and will i have to go in person as its northhampton.

 

What happens if solicotors have not sent required stuff do i ask court to adjourn?

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Ticked box to defend all,

CPR letter to restons recorded today,

 

CCA letter last thursday, printed off ackowledgemnt of service.

 

So I just wait and see know. 28 + 5 days to file defence,

is that working days, calender or what?

 

so lets see what restons send.

 

I really apreciate this cos i would be lost without this support. :)

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see post 37, looks like it was first class, but date of default notice is 27/10/08 with payment by 13/11/08 so is it service 2 working days after that, then 14 working days or calender days, or am i clutching at straws

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Hi, I havent recieved anything from Restons since 3/12/08 letter in previous post saying sec 78 has no application in this matter.

That was in response to CCA.

I have had nothing from CPR request. What do i do now. I have also CCA and SAR'd MBNA. and heard nothing

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Bump, as day I need to submit defence is looming. Getting a bit twitcy now.:(

 

I've read loads of posts and now Im even more confused.

 

I need to submit a defence POC was dated 28/11/08 AOS was 1/12/08.

 

I've CCA' and CPR Restons and CCA and SAR to MBNA and nothing has come back except a letter from Restons which is in a previous post.

 

am really worried now as I dont want to miss the date of submitting the defence.

 

Any help would be really appreciated.

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Received today from MBNA a statemnt of my account as 'in accordance with sec 7 of data protection act' and they returned my £10.

 

It shows history of account from 2006, payments from me of £12 per month which i m still paying and late charges.

 

Its only part of what i asked for.

 

No credit agreement, nothing, just a print out of my account.

 

So what now? Cheers

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