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

[Dotty50]

It is done..................... now the wait

 

Thanks again everyone!

[minmoo]

Good luck Dotty, seems like you are getting some great advice here

[Dotty50]

Thanks minmoo,

 

It's great that people give their time, especially over the xmas period when there is so many other things to do!

[john]

Good Luck Dotty, well done in submitting your defence. Ive had a letter in response to my similar defence if you want to have a look, you could possibly get the same one????

[emandcole]

Hi Dotty, been stuck on a course in London and only just got back. Good to catch up on this and see what's been going on, agree with the others and look forward to seeing how they respond. I think we all know why their POC is so poor, let's see how they intend to progress with this. Belated happy new year to you all as well

[Dotty50]

Thanks for dropping by emandcole, I didn't think you had abandoned me for one minute!

 

Happy New Year to you too.

 

Not feeling as positive about this at the moment, after reading Shazza50's thread, although there are others what have discontinued, so as you say it's a waiting game now.

[Dotty50]

Good Luck Dotty, well done in submitting your defence. Ive had a letter in response to my similar defence if you want to have a look, you could possibly get the same one????

 

Thanks John, yes I have seen your letter, will post any further developments as and when

[Dotty50]

http://www.oft.gov.uk/news-and-updates/press/2010/136-10

 

Defence has been acknowledged from Northampton and states that the claimant has 28 days to respond or the case will be stayed.

 

Just posted the link here for future reference for myself and any others dealing with MBNA

[john]

Great Dotty, if they go to form you'll get an allocation questionnaire in about a month. This is like deja vu!!!!!

 

Have you by any chance come across anything related to the recent publications frowning on charging orders for debts under £25000 in your research on MBNA? Vx Cancel that Dotty apparantly they're discussing it in govt at the mo according to legal b e a g l e s (sorry site keeps changing it to seagulls!!!!!)

 

http://www.legal b e a g l es.info/forums/showthread.php?t=25466

Edited January 10, 2011 by john

[Dotty50]

First time I posted that name, it came up with I'm an orange!

 

Yes, I had read about charging orders being frowned upon but only brief information so I will take a look thanks.

[john]

Wonder why the site doesn't like seagulls? b e a g l e s lol

 

Thats what is so scarey as John went on his ex step-daughters (my daughters) mortgage to enable her to get it with his income. It was suggested by her solicitor as they don't do guarantors anymore. He ony owns 1% of the property but obviously any charging order would be heartbreaking for her. Hence me having to do all the legal stuff for him!!

 

It makes the idea of unsecured debt a bit of a laughing stock, really, and lenders should be made to tell new borrowers that unsecured debt can become secured if they have financial problems.

[Dotty50]

If he only owns 1% of the property, I wonder whether a charging order would be allowed?

 

Might be some more researching for you to do! I am sure I have read this being discussed, so I will see if I can find anything for you.

[john]

Thanks Dotty, I thought that too, but obviously they don't know its only 1%, they have just seen the mortgage on his credit file. I'll have a look around, don't you worry you've enough on sorting your own case out x

[Dotty50]

Just a random question if anyone can answer please.

 

What is the minimum (as in percentage) payment that MBNA require nowadays?

[minmoo]

Just a random question if anyone can answer please.

 

What is the minimum (as in percentage) payment that MBNA require nowadays?

 

Hi Dotty, it still stands at 2.5% i think.

[Dotty50]

Cheers minmoo, can't find it on their website anywhere. So much for making things clearer to their customers!

[DizzieDiva2010]

Dotty have a read of this you may well find it useful - http://www.consumeractiongroup.co.uk/forum/showthread.php?241827-Legal-Action-how-to-start-off.-IMPORTANT-IF-YOURE-BEING-SUED

 

Some very useful information provided here Dotty, good read Wishing you all the best with your case, i shall keep following, it looks like you are in very good hands with some experienced members here.

Edited January 11, 2011 by DizzieDiva2010

[Dotty50]

Hi, thanks Dizzie,

 

Yes have got that link posted earlier on the thread from 42man.

 

I keep reading other threads and putting links on here for reference so that I can find them if needed, but then I have to remember what page they are on and if my thread gets as long as yours, I will still have problems finding them lol

[DizzieDiva2010]

Great Dotty, if they go to form you'll get an allocation questionnaire in about a month. This is like deja vu!!!!!

 

Have you by any chance come across anything related to the recent publications frowning on charging orders for debts under £25000 in your research on MBNA? Vx Cancel that Dotty apparantly they're discussing it in govt at the mo according to legal b e a g l e s (sorry site keeps changing it to seagulls!!!!!)

 

http://www.legal b e a g l es.info/forums/showthread.php?t=25466

 

Hi John, the above link doesnt not link up?

[DizzieDiva2010]

Hi, thanks Dizzie,

 

Yes have got that link posted earlier on the thread from 42man.

 

I keep reading other threads and putting links on here for reference so that I can find them if needed, but then I have to remember what page they are on and if my thread gets as long as yours, I will still have problems finding them lol

 

My thread is enormously long lol i chat too much! However i find what i need to find fairly easy as i think back to what time i did that particular something and then work out roughly which page it must be on. I would prefer it too be shorter but i think i might make it to the 100th page the way things are going. MBNA need pulling down a peg or two they have an appauling reputation with regards to treating their customers unfairly once they reach an unfortunate time in their financial relationship with them. I think its about time the courts were aware of their behaviour and this is another factor why i am willing to take my case further. Afterall i was put on a Severe Hardship Programme and then out of the blue my account was unlawfully terminated. I owe £2000 i really think they should ask themselves if it is worth their time and effort especially when they obviously have bigger fish to fry. We should make it a "contraversory"

[Dotty50]

The link won't work Dizzie because it's from the competition!

[Guest]

hi dotty

what's the latest? did you do a cpr request in the end? or just a 'defence'?

[john]

Hi John, the above link doesnt not link up?

 

Hi DD

 

http://www.legalb eagles.info/forums/showthread.php?t=25466

 

This site keeps changing b e a gles to seagulls if you dont space the letters. Copy this link above into your address bar then backspace the space between the b and the e if you get me. The link then will work and I found it interesting.

[Dotty50]

hi dotty

what's the latest? did you do a cpr request in the end? or just a 'defence'?

 

Very strange, not been getting all the notifications!

 

No Ford, I didn't do any CPR request in the end, as I did get a letter back from dlc, acknowledging the letter I sent to Aplins in response to their lba. I think I mentioned it in a previous post, they are contacting their 'client' for further documentation!

Edited January 12, 2011 by Dotty50

[Dotty50]

I did some filing last night and counted up my CMC letters and since 16th Nov to 10th Jan, had 6!

 

50% discount, pay £10 per month, legal action, winter offer, legal action, legal action!

 

Something that occured to me, is that if Varde are the owners, I have read on here that they do not have a licence in the UK, hence Experto dealing.

 

So, would Varde be able to issue a summons? Experto couldn't as they are not the owners?