experto claimform - Mbna- Virgin Card ***Claim Discontinued***

[GeoffreyAlby]

Well I would address any letter to CMC, although I realise they are EC, it says so at the bottom of the letter.

 

Or I could just file it!

 

 

This is the issue,,,, is it worth responding to them? They know they are scraping the bottom of the barrel with worthless alleged debts Is it worth replying to them?

[pumpytums]

I found the following on their site the last part pretty well sums them up

 

http://www.expertocredite.com/pdfs/29-30.pdf

 

What a complete load of drivel

 

Conclusion

It was a crisp October morning at

7.30am when the phone rang. Jo Blogs

and myself were early starters in the

office. He stuck his head in my office,

visibly shaken and said: “Paul, you need

to hear this.”

On the other end of the phone was

the muted sound of a lady, her sobs

were heart wrenching. She began to

describe happier times she had with

her husband until he started out on

his own. He ran a business, which got

into trouble, which led to him being

pursued by us along with many others.

She described how she fell asleep

one night, thinking her husband was

working late in the study, but to her

horror in the morning she awoke to find

he hung himself in the garage, a pile of

letters lay strewn on the floor, one was

from our company.

The words cut through my heart like

a sharp blade. Was our letter the one

which tipped him over the edge?

Three months later, I lost my best

collector Jo, who took up a career in

teaching. “This is no longer good for

me Paul,” he said, “I need to move on.”

The phone call had a real life-changing

impact on him, and he was never the

same again.

My own solution was not to leave the

industry, but to remain and contribute

towards building good standards, and

underpin this by ensuring my staff are

aware that debtors never become a

faceless commodity.

They have names, they live lives, they

are real people who face life challenges,

daily, like all of us, and it is within this

context that they must be treated fairly

and with compassion.

 

The bit I find most disturbing is the part "I lost my best collector" utter ****. So basically they are trying to put the spin on their activities by saying they really care, but at the end of the day we lost our best collector which I was really gutted about. This individual should smell what he is shovelling. I detest this company even more than I did previously.

 

Pumpytums

Edited November 23, 2010 by pumpytums

[Dotty50]

Hi Pumpytums,

 

I had spotted this on another MBNA thread, it's so good to read that we are in such goods hands NOT!

 

The 7 days they gave me is up today, wonder if the 50% off is on it's way yet?

[pumpytums]

Hi Dotty,

I popped it on another thread too. I just want people to be aware the depths these people plummet to try to put across their squeaky clean image.

 

I'm awaiting their weapon of mass hilarity/desperation the infamous Statutory demand.

 

It is nice to receive letters though even though their only use is fire-lighters as many have stated.

 

Pumpytums

[Capricorn1601]

Hi all subbing to this one as i am in the same boat. Defaulted just before xmas last year by MBNA, sent the letter to MBNA on 13th Jan accepting their termination etc and asking for details of arrears minus unlawful fees whilst in dispute, had two letters earlier this year from EC. FIrst one an introduction saying hello, second enclosing my unenforceable application form. Nothing since until two weeks ago. Had leter from EC offereing settlement of 50% and end of Nov to pay, then a week later the letter from CMC saying pay up or we will send the boys round.

 

Any advice or support appreciated.

 

 

Caps

[Capricorn1601]

Just a thought.... Varde are Irish arent they? Do you think our debts are part of the the problem of the irish national debt which could be putting the Euro economy at risk

[Dotty50]

Yes Capricorn, they are Irish, guess they may have problems getting funds to bail themselves out of the mess, with all the potentially unenforceable agreements they have purchased.

[Capricorn1601]

Lol

[MW2]

Subbing with interest as am in same boat with these muppets,haven't had the 50% offer yet though!!

[GeoffreyAlby]

No doubt Targets to be met by month end , so roll on the end of month special offer letters and texts in the next few days!

[Dotty50]

May be needing some help!

 

Got a letter from Aplins stating legal action WILL be taken if payment not made within 14 days!!!

 

I have had a letter from Aplins before, I will have to dig it out of the file, I am pretty sure it wasn't like this one and this looks to me very much like a LBA!

[Chalkitup]

I would not worry too much ................... I have about 50 letters (some marked Letter Before Action) from various DCA's and OC's saying legal action will be taken in 14 / 21 etc etc days ........ none have yet ...... even after four years!

 

Onwards and Upwards

 

Chalkitup

[Dotty50]

Thanks Chalkitup, I can only hope.

 

This is what I got!

 

APLINS - NOV 10 with deletions.pdf

[barrowby]

Like Chalkitup says.....loads of these are sent out like Confetti!!.....I have just had an account passed to ARC (Europe) Ltd...says pretty much the same....and I guess just ignore until their next move.

 

Keep your chin up Dotty!

[Dotty50]

Hi Barrowby,

 

Thanks for your comments, I just hate to leave it open for them to continue, if I ignore them.

 

I have got a letter that I can draft and send off to them, I just don't seem to find the time to get it done!

[minmoo]

Hi Dotty, just subbing to this. My fight with MBNA starts soon and your thread has been an incredible read. Stay strong and keep us all posted.

 

Am i right in reading that MBNA have no CCA so wont pursue through court but Aplins who bought the debt from them are threatening court? How can that be possible?

[barrowby]

Hi Dotty, meant to say...I had Aplins chasing me for another CC and i just wrote to them and pointed out that the A/C was in dispute and to revert to the CC Company....They seem to have given in and now passed to ARC (Europe) Ltd.....anyone have dealing with this shower?

[Dotty50]

Am i right in reading that MBNA have no CCA so wont pursue through court but Aplins who bought the debt from them are threatening court? How can that be possible?

 

Thanks for your words of encouragement minmoo, Its good to hear that my thread helps anyone who is dealing with MBNA.

 

MBNA produced nothing since requesting CCA in Apr 09, however Hillesdens managed to get a very blurred copy, which I uploaded and is on post 202 and some current T & C's. Not acceptable IMO.

 

It was a bit of a surprise to get the letter from MBNA and I guess its not really worth the paper it's written on, as they sold the debt in January!

 

Barrowby, thanks again for that, unfortunately (or fortunately for me) I have not had any dealings with ARC but I bet there will be others on here that will have done. Google the company and you will probably get links to threads on here!

[minmoo]

But the good thing is that if MBNA admit they cant go through court then they cant get a charging order on your house. That would be the biggest concern for me. Our card is for 8 thousand so i have no doubt they will do that at the earliest opportunity.

[nks22]

It's more likely that MBNA will sell the debt onto Hillesden's.

[MW2]

Theyve sold mine to Experto Credite, very fancy name

[Dotty50]

Here is what I am planning to send to Aplins.

 

It's based on a letter courtesy of Priority1 and means to an end.

 

Any thoughts or amendments appreciated.

 

I will also send a standard letter to Hillesdens data controller regarding the illegible copy supplied.

 

APLINS - my 3rd response - with deletions.doc

[Dotty50]

I have sent the letters, the only thing I added was a request for any notice of assignment, giving Hillesdens the authority to act

[Dotty50]

I am feeling really stressed now!

 

Had another letter from Aplins stating that they are going to issue legal proceedings in order to obtain a charging order!

 

I spent a lot of time reading other threads last night and it seem the next step will be an N1 form!

[nks22]

Might be worth starting a new thread so you get some expert advice from those not subscribed to this particular one.