MBNA sold to Experto - no CCA

[vint1954]

Yes LB, there is little more to add at this stage, exept stop talking to them. You need the paper trail.

[LB145]

MBNA Account 1 -HAD a letter from Restons Solicitors informing me that once Application Form is signed it is an Executed Credit Agreement - see attached link. The copy of the application form enclosed has my name and address typed on it - it does not have the correct initial - my handwriting has completed the rest of the form (same Application form as shown further up Thread) - any relevance?

 

http://i713.photobucket.com/albums/ww132/Diamond40_photo/RestonsJAN2009.jpg

[LB145]

MBNA Account 1 -HAD a letter from Restons Solicitors informing me that once Application Form is signed it is an Executed Credit Agreement - see attached link. The copy of the application form enclosed has my name and address typed on it - it does not have the correct initial - my handwriting has completed the rest of the form (same Application form as shown further up Thread) - any relevance?

 

http://i713.photobucket.com/albums/ww132/Diamond40_photo/RestonsJAN2009.jpg

 

WHEre's everyone gone? Are you all snowed in

 

Received Default Notice for ACCT 2 (VIRGN MBNA) and ACCT 3 (husbands) - see letters below

 

http://i713.photobucket.com/albums/ww132/Diamond40_photo/MBNADefaultNoticeAcct3.jpg

 

http://i713.photobucket.com/albums/ww132/Diamond40_photo/MBNADefaultNoticeAcct1.jpg

Edited January 16, 2010 by LB145

[LB145]

MBNA Acct 1 - Just got home to Court Papers filed by RESTONs dated 11th Jan - seriosly need guidance!!

[vint1954]

WHEre's everyone gone? Are you all snowed in

 

Received Default Notice for ACCT 2 (VIRGN MBNA) and ACCT 3 (husbands) - see letters below

 

http://i713.photobucket.com/albums/ww132/Diamond40_photo/MBNADefaultNoticeAcct3.jpg

 

http://i713.photobucket.com/albums/ww132/Diamond40_photo/MBNADefaultNoticeAcct1.jpg

Hope you kept the envelopes. If Ukmail, there should be an s in the top right hand corner. If received today then this confirms second class, in which case they are faulty on dates, 13 days not 14.

 

Have they just asked for the arrears or full ballance.

 

I think it is time to split these up into 3 threads.

[vint1954]

MBNA Acct 1 - Just got home to Court Papers filed by RESTONs dated 11th Jan - seriosly need guidance!!

Is it from Northampton? If so you can acknowledge online.

 

5 Days from date of claim for service

 

14 days after that to acknowledge

 

14 days ater acnowledgement to defend.

 

Can you type out the Particulars of the claim, word for word.

[vint1954]

I think it also important LB, that you fully understand each process and what it means from here on in. You will need to search other forums, ask questions and understand it all, if you intend to go it alone.

 

You will get help and advice, however you can come well and truly unstuck in court, if you have not grasped the plot.

[vint1954]

MBNA Account 1 -HAD a letter from Restons Solicitors informing me that once Application Form is signed it is an Executed Credit Agreement - see attached link. The copy of the application form enclosed has my name and address typed on it - it does not have the correct initial - my handwriting has completed the rest of the form (same Application form as shown further up Thread) - any relevance?

 

http://i713.photobucket.com/albums/ww132/Diamond40_photo/RestonsJAN2009.jpg

You will need to post it up LB, minus personal details. This is one of the problems with 3 cards on one thread. There are 200+ posts to search.

[LB145]

Hope you kept the envelopes. If Ukmail, there should be an s in the top right hand corner. If received today then this confirms second class, in which case they are faulty on dates, 13 days not 14.

 

Have they just asked for the arrears or full ballance.

 

I think it is time to split these up into 3 threads.

 

Huge thanks Vint for your input - envelope situation - 2 white envelopes with S and C9 1006 and two yellow envelopes with big 1 (meaning 1st class) and HQ 4847 - has anyone else had them in yellow env?

 

They are asking for a payment of the arrears to stop further action ---ifo rceived by 28/01 further action will be taken.

 

I know what you mean by three on one thread is confusing - how do I split them?

[LB145]

You will need to post it up LB, minus personal details. This is one of the problems with 3 cards on one thread. There are 200+ posts to search.

 

Letter from Restons (no need to search through)

MBNA ACCT 1 - Application Form

http://i713.photobucket.com/albums/w...ide2July09.jpg

http://i713.photobucket.com/albums/w...ly09Blanke.jpg

Edited January 16, 2010 by LB145

[Dotty50]

Hi LB,

 

Just to let you know, I am still subbing, it's not an easy task is it?

 

It seems like you are slightly ahead of me as I too got a DN in December on one of my MBNA cards and will be writing back to them accordingly. I sent another letter to Virgin on 12th January giving them 7 days to respond, so expect I will receive something on Tuesday!

[LB145]

Is it from Northampton? If so you can acknowledge online.

 

5 Days from date of claim for service

 

14 days after that to acknowledge

 

14 days ater acnowledgement to defend.

 

Can you type out the Particulars of the claim, word for word.

 

Yes from Northampton -

 

"Particulars of Claim

THE CLAIMANT CLAIMS PAYMENT OF THE OVERDUE BALANCE DUE FROM THE DEFENDANT UNDER A CONTRACT DATED ON OR ABOUT ****/2001 IN THE SUM OF £***** INCLUSIVE OF INTEREST TO THE DATE OF THIS SUMMONS AT 8% PER ANNUM FROM **/**/09 TO **/**/10

 

PARTICULARS A/C NO:************

 

DATE ITEM VALUE

02/12/2009 DEFAULT BALANCE £******

POST REFRI CR NIL

 

**/**/2010 INTEREST £*****

TOTAL- £****

 

TOGETHER WITH:-

INTEREST PURSUANT TO S69 COUNTY COURTS ACT 19 AT THE RATE OF 167.70 PENCE PER DAY TO THE DATE OF JUDGEMENT OR SOONER PAYMENT."

Edited January 17, 2010 by LB145
Needed to blank

[LB145]

Vint - When You Say Go It Alone - Is A Solicitor Required --and What Is Threshold For Legal Aid

[LB145]

Hi LB,

 

Just to let you know, I am still subbing, it's not an easy task is it?

 

It seems like you are slightly ahead of me as I too got a DN in December on one of my MBNA cards and will be writing back to them accordingly. I sent another letter to Virgin on 12th January giving them 7 days to respond, so expect I will receive something on Tuesday!

 

Hi Dotty - prepare yourself for the "sick feeling"!

[LB145]

Vint - have started a new thread for the MBNA1 now that it has progressed

 

http://www.consumeractiongroup.co.uk/forum/mbna/242602-county-court-claim-received.html#post2706283

[vint1954]

Huge thanks Vint for your input - envelope situation - 2 white envelopes with S and C9 1006 and two yellow envelopes with big 1 (meaning 1st class) and HQ 4847 - has anyone else had them in yellow env?

 

They are asking for a payment of the arrears to stop further action ---ifo rceived by 28/01 further action will be taken.

 

I know what you mean by three on one thread is confusing - how do I split them?

MBNA use white envelopes

[vint1954]

Posting on your court thread

[vint1954]

Take the amounts and dates out of your POC.

[LB145]

MBNA use white envelopes

 

This is for the Default Notice on MBNA Virgin Acct 2 and MBNA 3 Husbands -2nd Class in the white envelope arrived Saturday

[LB145]

Take the amounts and dates out of your POC.

 

Sorry when you said word for word (blonde remember!) - now removed dates and amount - thx

[usaname]

MBNA use white envelopes

 

I think they must have bought a batch of yellow ones in. I've had a couple of documents from them in yellow envelopes. They look like the sort you'd send a birthday card in.

[LB145]

MBNA Virgin - received a letter from MBNA this morning dated 19th Jan they have sold the outstanding amount to Direct Legal-Dtl , Northants

 

The account number is not my account number - I do not know where or who's this is referring to - what letter should be sent to them? I have only ever received a cut off application (1/4 of a A4?) not a signed CCA as mentioned previoulsy way up in thread.

[Dotty50]

Hi LB,

 

Looks like Mr Campbell kept his finger on the button for this letter a bit too long!

 

Had one too, only thing is with mine, the Account number is for an old HFC card (sad, isn't it that I remember these old numbers!) which was then taken over by MBNA but it is not the Virgin one!

 

There is another on this thread too.

 

http://www.consumeractiongroup.co.uk/forum/mbna/224927-mbna-cca-legal.html

[haggis1984]

Ive had one too, looks like a mass sell-off of worthless acounts by them

[Dotty50]

Wonder what they paid?