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    • hi all.   In April 2019 I posted about owing 2.3k to PayPal, who sold my debt to Wescot.   Since then there has been a long war of words, mostly thin assertions that 'PayPal has advised us that...', and signatures from staff at PayPal that are supposed to prove that I owe the debt.   I've recently moved house, and am considering my options with the case going forward; I had initially intended to cut them off after the last year with no definitive proof, saying in my last letter that I trusted the matter was closed, providing no forward address.    However, after doing some more research recently I'm slightly concerned about what might happen if I dont keep them at arms distance with letter disputes, and that they may sue me and add the court bills through a CCJ (County Court judgement.) What is the liklihood of this or them finding my new address?    I'm also slightly concerned how my letting agency may react if against odds Wescot send bailiffs to my previous address, as this was with the same letting agency I use with my current house, and also where they will likely continue to send letters.   Advice?   Thanks. -b
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    • If a bailiff does turn up, do not let him in he might try to "persuade" aka bully you into paying the debt as he might try to claim he can force entry, can only do that for a Criminal Fine.   Tell him/her, that named debtor does not live there hasn't for last 12 months, he took his property with him, so nothing is his.  Offer to show a Council tax bill showing you as sole liable person.   Other option is to get a Statutory Declaration sworn at a Solicitors that all property in the house is yours and named debtor is not a resident, and get a couple of Notorised copies, and hand one to a bailiff if they call.  Other thing is if you have a car, they might go after that,  so showing V5 and insurance in your sole name helps with that one.   Above all don't worry, also film them with a mobile to capture any threats.   Unclebulgaria is correct that they shouldn't call if they have a current address, might be worth telling them where he is if they did call on you.
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MikeBigg

MBNA/Virgin - what's the story?

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Hi,

 

I have Virgin credit card debt. I CCAd MBNA - initially they sent some complete nonsense, but have now sent what looks to be an enforceable agreement - I'll post it later to get you opinions.

 

My question is this: the debt is with a Virgin credit card, but the CCA is MBNA.

 

I know MBNA underwrite Virgin cards, but wouldn't I have applied on Virgin headed application form?

 

The copy of the form they have sent me dates back tot he year 2000. Did Virgin issue credit cards then?

 

The reason I ask is that I probably had a MBNA card at some time - I'm wondering if they have sent me the paperwork for that account rather than the virgin account.

 

Does anyone know the history of virgin and mbna cards?

 

Thanks for you help,

 

Mike

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Further - how would I be able to check if what they have sent me relates to an MBNA rather than a Virgin card?

 

Just asking them the question seems an unliekly solution as I don't trust them to tell the truth.

 

Thanks,

 

Mike

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Bump.

 

Sorry for bumping, but I would like some input on this and the posts very quickly go down the list.

 

Is there a better place to ask this type of question?

 

Thanks,

 

Mike

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