MBNA Loan - The battle begins

[exchange]

Hi Dotty50

 

Thanks for the suggestion. Maybe one of the Caggers with a legal background will have a clue.

I do follow your threads and can see that you seem to be keeping on top of the situation. Our ultimate aim must be to get these debts statute barred so be careful about doing anything that looks like you are acknowledging the debt!

This is in the back of my mind all the time as a mistake could extend the crap we have to go through with all of this.

Keep fighting!

[exchange]

Just an update. Debt supposedly sold to someone, but yet to hear from anyone. Maybe they took one look and returned it to MBNA!

[Dotty50]

Hi Exchange,

 

Not many people posting, it seems, but maybe nothing happening with MBNA on any other threads either!

[exchange]

Hi Dotty50, I reckon the changes to the site have thrown a few people as I had problems with it so I guess everyone did. Hopefully they'll be back as the site seems to be getting back to normal, but with adverts within posts to try to raise funds for the site. Still don't have everything like before though it seems!

[exchange]

Having heard nothing for ages I received the obligatory annual statement today. As I have paid nothing to them since disputing it the amount is the same. I have also just received an Equifax report which shows the loan as satisfied, yipee! But then shows a defaulted debt to Arrow Global Ltd for the same amount, boo, hiss! Arrow also apparently have my two MBNA credit card disputed debts too, which also show as satisfied with MBNA. Strange thing is I have heard nothing from Arrow, ever! As I started this process in March 2009 and my MBNA debts appear to have been sold I find this strange. Are Arrow part of MBNA or have MBNA cleverly sold these debts to Arrow who cannot get anywhere with them because I am not in the UK?

[penmarine]

Just subbing, like you exchange I'm having a drama with Connaught Collections who have my MBNA loan debt from 2002, stopped paying it in July this year. They however said they would pass my debt onto a lawyer in the country in which I reside (last week). It seems strange that MBNA have your EU address and have not done the same thing. I best SAR MBNA, it's only for 2 grand but still from reading your thread, it seems MBNA don't know their backside from their elbow. And I think it will halt the action from the DCA aswell for at least 40 days. PM

[exchange]

Hi PM, MBNA must be the most disorganised organisation on the planet! But then again my experience of American run companies makes this no surprise. They are full of threats like all creditors but in the end seem to rarely act on their threats as they know it will cost them money to attempt anything so they prefer to threaten and hope you give in. I am subbed to your thread and can see that you have a slightly more complicated scenario than me. The good news is that this will confuse there legal people even more! Good luck with them. Exchange

[geord1e]

im also having issues with arrow im folling this post hoping to gain a little help myself gl

[exchange]

As you can tell from the date of my last posting, nothing but annual loan statements until today. Letter saying loan account has been transferred to AOF 2 Sarl (catchy name - I think not!) and Morrgate Loan Servicing Limited will maintain my personal info! I'm guessing this is code for Moorgate will start pestering me.

Anyone else had this?

Exchange

[Dotty50]

Hi Exchange,

 

Not heard of AOF or Moorgate but I don't suppose they will be any different to the rest, have you searched on here for them?

[exchange]

Hi Dotty50, thanks for responding. I have looked and found out all I need to know, which is that they are part of Paragon Finance which owns a few companies dealing with debt and that I should ignore them like all the others!

More annoying are Capquest at the moment who leave constant messages on my mobile without having received any correspondence from them! I don't even know what they are chasing.

To anybody who reads this, these companies should never be spoken to on the phone. Only deal with them in writing as it provides a paper audit trail should you ever end up in court.

Exchange

[exchange]

The saga continues with a letter from Moorgate saying they have appointed Arden Credit Management, who in turn have written asking for money. Can't give what I haven't got so ignoring until I hear again.

Exchange

[exchange]

4 letters to date from Arden. Empty threats of court action and CCJ's which is all a bit difficult for them when I am not in the UK. You'd think having addressed the letter to a foreign country they might realise that they are talking nonsense. DCA's and common sense don't go together, but we all know that already!

Exchange

[Michelangelo48]

The plot thickens! ONE OF The FLA'S FINANCE

[exchange]

Arden calling my mobile and leaving messages asking me to call back. Surprised to hear it's a freephone number they ask you to call bak on. Ignoring as always!

 

Exchange

[exchange]

''Final Demand'' received from Arden. Give you seven days to reply to a letter postmarked 3 days after the date on the letter, and sending to a foreign address which will of course take longer to arrive, muppets!!

Threatening a home visit, so they will need to book flights, and solicitors taking action. Hope they know how to deal with foreign courts.

Ignoring as always.

Exchange

[victoria_siempre]

Hi exchange

 

Nice one. For the benefit of others reading, I always respond by email to missives acknowledging receipt of their missive dated x and received y (and staple the annotated envelope to said missive for my audit trail); this misuse of dates is a standard harassment tactic (and often used with time limited special discount offers) and I find it useful subtlety to remind them of this: I have no idea why they would do this were they to have a legally enforceable:-) debt.

 

x

 

v

[exchange]

Thanks for replying victoria_siempre. Always good to know someone is looking, although I am way beyond the stage where I needed reassurance constantly like we all do at the beginning of this long, long process!

Personally, I would avoid emailing any CCC or DCA as I have enough unwanted calls and post without openning another avenue for them to communicate, but if you prefer to communicate via email and this stops other forms of harassement then maybe it's a way of keeping things under control.

Good luck with your battles v.

Exchange