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gbean2871

Is it too late to CCA MBNA?

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Have just returned from a week away to find a letter from MBNA threatening to take my husband to court if he doesn't pay the full balance of his card by 24th July (around £5K). Had we received this letter last week it would have given us around 2 weeks to start the CCA process.....

 

Anyway, the situation is, my hubby was made redundant back in Feb and has only had brief temporary posts since - hence he is unable to pay the full minimum payments to his cards.

 

MBNA at one point gave him the chance to pay just 1.5K and write off the rest. By the time the offer deadline came round however, my hubby had used the money he had to make mortgage/bill payments and therefore the write off offer was withdrawn and my hubby failed to put another plan into action - and didn't tell me this was the case.

 

He has now called MBNA about the letter who say the debt is now out of their hands but they can't tell him who they've passed it to so we are in limbo at the moment.

 

Is it too late to CCA MBNA now. If not, can someone please advise what we should do? I want to fight MBNA all the way.....

 

If it IS too late, what should my husband do now??

 

Any help/advice appreciated - thanks!

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Have just returned from a week away to find a letter from MBNA threatening to take my husband to court if he doesn't pay the full balance of his card by 24th July (around £5K). Had we received this letter last week it would have given us around 2 weeks to start the CCA process.....

 

Anyway, the situation is, my hubby was made redundant back in Feb and has only had brief temporary posts since - hence he is unable to pay the full minimum payments to his cards.

 

MBNA at one point gave him the chance to pay just 1.5K and write off the rest. By the time the offer deadline came round however, my hubby had used the money he had to make mortgage/bill payments and therefore the write off offer was withdrawn and my hubby failed to put another plan into action - and didn't tell me this was the case.

 

He has now called MBNA about the letter who say the debt is now out of their hands but they can't tell him who they've passed it to so we are in limbo at the moment.

 

Is it too late to CCA MBNA now. If not, can someone please advise what we should do? I want to fight MBNA all the way..... Never too late get it off today (print name retain proof)

 

If it IS too late, what should my husband do now?? see above

 

Any help/advice appreciated - thanks!

 

Regards

 

Andy


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Thanks for your quick reply Andy. That's great news - we'll get on the case today.

 

I've notice there are a couple of different letters which could be sent. What is the most up to date and relevant? Are you able to post a link?

 

Thanks again!

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Link to CAG template letters letter 8 is fine your request should be headed section 78

 

Regards

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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You're a star! Thanks so much.

 

Gbean

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