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    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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My Cca From Mbna Please Look


ANDREAMOUR
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Andreamour, I'm taking a keen interest in your thread because I will be following your lead.

Now….to put your mind at ease. About a year ago I missed a couple of payments and on the third month paid what I thought was all the arrears back. Well I got it wrong by 3p and what do you think MBNA did? Yes, they sold to a DCA. I've kept the letter for my amusement.

Given the letters you've received they will never take you to court. IMHO don't bother taking them to court, just yet. Keep all the correspondence. They will thrash your credit file so you need to work along the lines of repairing you credit file. It might be worth looking for CRA letters to repair the damage they are about to do by disputing the dept.

Best frame of mind on how to treat MBNA.... A toy you never get tired off, because, it amuses you!!!

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Thanks bbb.. ( ;

 

I must be doing some thing right as i have just recieved a very suspicious message in my inbox....

I do believe we have a mole!!

Check this out......

 

hi, from what i have read it looks like mbna will be doing either of the following. 1)they will be taking you to court to obtain a county court judgement. if this happens you will receive a letter from the court which explains the process. if a judgement is made against you, you can fill out a form to explain your financial details and how much you can afford to pay. the court will then decide how much you can pay, they will do this by looking at your income and expenditure and will set an affordable monthly payable amount. by filling in the form to pay an affordable amount each month, this will put a stop to the judgement order being enforceable by a bailiff. or 2) mbna will sell the debt, once this happens, the debt will come in to the hands of another company who will start asking you to repay the money. what options do you have? 1) you can phone mbna tell them about your financial difficulties, ask them to stop any late payment fees and to stop the interest which is being added on and ask them to come to an arrangement to start making affordable monthly payments. 2) you can wait until a county court judgement is passed and you can ask the court to set an affordable monthly payment to pay off the debt. 3) you can argue that the credit agreement is not enforceable due to it being illegible. as mbna are disagreeing with you, you could only do this in court and would probably need some legal advice on how and when to argue your case. its best you try and deal with this as soon as possible as the more you leave it the more late payment fees and interest will be added.

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Hi Andreamour,

 

You should write to mbna and say they haven't complied with your s78 request because there are missing T&C. Specifically it is referencing condition 11, but the T&C they supplied only go up to 3b. The CCA 1974 is very explicit in this, they should provide:

 

78. Duty to give information to debtor under running-account credit agreement.

— (1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [F1 £1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,— (a)

the state of the account, and

 

(b)

the amount, if any currently payable under the agreement by the debtor to the creditor, and

 

©

the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

 

As you can see they haven't complied with your s78 request and after 14 days it enters a defalt and they can't take any action on this account.

 

I did this recently with a dca that was chasing an mbna account and they returned it back to mbna.

 

Hope this helps

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Had this through earlier this week and today i had a post card from them stating they will be visiting me at home next week!

This is a bit worrying...

Are they allowed to come to my house?

Can i stop them from coming?

Does any 1 know?

 

whos name was on the postcard? was it brown or green? ive had a couple of them and they never turn up, shame really i'd love them to turn up at mine for tea and buiscuits.

 

 

EDIT NOTE:... The colour you chose for the first part of this post is extremely difficult to read, therefore I have changed it to black. Try to keep to dark colours.

Edited by Rooster-UK
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Lol it was a picture of a lilly pad in a pond....

And its from a guy called Noel Daly

I called the number to see who would answer

A lady answered saying "can i have your credit card number"

so i put the phone down..

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the postcards are sent tp scare you and if its like mine its says we will 'call' between blah blah. it means phone i think.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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Mbna really do go all out to bamboozle you into paying...

Well Im going to write to them today an kindly ask them to stop calling and tell them that they must only contact me by letter they are getting annoying now!

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  • 3 weeks later...

Hi Andreamour

 

They are asking you for the full amount, not just arrears. It looks as if they are terminating the agreement at the same time as defaulting you.

 

Perhaps they are trying to save on postageicon10.gif

 

 

Alan

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Don't worry about it, let them take you to court. Its at their expense. Have MBNA complied with the law when you requested and paid for them to do so? Do you have the paper trail of facts at your disposal?

 

Then don't worry about it.

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Thanks cerberusalert

I think it came 1st class but not 100% sure.

They use their own postage contractor and i ripped the corner off the envelope with the date on and now cant find it. :mad:

Does it make a difference that they are demanding full amount?

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