Mrs Ms mum v mbna

[MandM]

Yes Indeed Pumpytums.

All I can say is bring it on. I like a good fight as you will see by a new thread I have put up today, I like to win.

 

Mrs M

[MandM]

By the way, mum did the trick with the phone by the telly. I hope they enjoyed neighbours at full volume. LoL

 

Mrs M

[MandM]

Hi all,

 

for those wondering what Exspurto's next move will be, have a look at this.

 

M

 

MBNA now Experto Credite issue a statutory demand

[MandM]

New letter from Expurto.

 

 

 

Not sure where they think she is going to get this money.

 

I would not trust any payment plan, and aside from that their DN is pants and they terminated after they sold the account so I think the answer to both these suggestions will be NO.

Any suggestions what to do next or should we wait.

 

 

Mrs M

[ltc1607]

I have had the same letter about 3 weeks ago did not reply awaiting next move

[GeoffreyAlby]

Ive had the offer letter too , Shame! you missed out on their Seasonal Xmas offer letter!

[MandM]

Hi Geoffrey.

 

I wonder what the Easter offer will be.

 

Mrs M

[Dotty50]

Well MandM,

 

My 'Dedicated Account Manager' must be shirking as I have not had an offer letter!

 

It would have to be an 80% discount at least, for me to consider and of course a watertight letter that the debt has gone away but I know MBNA are not capable of drafting one. I wonder if Expurto are?

[GeoffreyAlby]

Well MandM,

 

My 'Dedicated Account Manager' must be shirking as I have not had an offer letter!

 

It would have to be an 80% discount at least, for me to consider and of course a watertight letter that the debt has gone away but I know MBNA are not capable of drafting one. I wonder if Expurto are?

 

EC will send you an offer of £12 a month by Direct Debit, then when you have acknowledged the debt, no doubt they will go down the route of a Statutory Demand requesting Bankruptcy.

[Dotty50]

So just ignore them then, I guess

[MandM]

Right on the button Geoffrey.

 

Definitely ignore Dotty.

 

Sorry Dotty, obviously I meant ignore MBNA not you. LoL

 

See what they come up with next.

 

We are also in a fight with MBNA but as of yet we have had no letter Maybe they only do it for certain people, I wonder what the criteria is.

 

Mrs M

[Dotty50]

Thought I had upset you then MandM...................for a minute!

[MandM]

Definitely not Dotty, the only people we like to upset are DCA's and creditors.

 

Mrs M

[Dotty50]

Well we are definitely doing that Mrs M! At least I hope so.

[locks]

I had this offer to on saturday, I am glad i was not left out

[MandM]

HI everyone just an update.

 

Got a call today from a chap from Expurto, goes like this;

 

Hello can i speak to mrs ***

 

No you can talk to me.

 

It has been a while since we had any money.

 

And.

 

Well we need to resolve this.

 

No we don,t.

 

If you dont resolve this we will be handing it over to CMC.

 

Now im really scared.

 

I dont think you realise the seriousness of this.

 

Yes I do, and as I see it the account was sold on to you before the DN finished and before the account was terminated.

 

I think you are wrong there.

 

No I am not.

 

We have sent you all the paperwork you asked for.

 

Yes I know and it was in this paperwork that I realised something was not right, so I have had someone looking at it.

 

Well we deal with Case management firms every day, so how long is it going to take.

 

It is not with a case mangment firm it is with my solicitor, who is advised me what to do next on this account.

 

Well when can we have an answer as to when the account is going to be resolved.

 

You already had my answer in a letter sent to MBNA concerning the unlawful recession.

 

Do not ring again.

 

That made me feel good.

 

Mrs M

[ltc1607]

excellent

[MandM]

Wow These idiots just walk straight into it don't they.

 

Mrs M

[GeoffreyAlby]

CMC is EC...

 

so he is going to hand it over to the person sitting next to him?

 

When did you get your letter from EC saying that your alleged debt had been sold to Varde Ireland?

[Dotty50]

Mrs M,

 

Do they display a number when they call?

 

I am getting calls showing Unavailable, Out of Area and withheld private caller

 

Really liked your call BTW

Edited March 24, 2010 by Dotty50

[MandM]

Hi dotty.

 

The number that normally calls is 01189525300.

 

This is Expurto, although you may get the odd withheld they generally dont bother. You may find yours could be another company.

 

Hi Geoffrey.

 

They wrote to mum 23/10/09

 

Which was before the DN had expired and before they terminated the account.

 

I wrote on her behalf and informed them that it was an Unlawful Recision see letter below.

*********************************************************

Dear Sir/Madam

 

Unlawful Rescission.

 

 

Re account no *************

 

With reference to the alleged debt to your company, I refer to your Default Notice dated 9th October 2009, posted second class and received by me on 13th October and your subsequent actions confirming your previous written intentions to terminate the agreement.

 

 

Not withstanding that the default notice failed to give me the required statutory time in which to seek legal advice and/or remedy any alleged defect, as laid out in s87 of the CCA 1974, your actions have resulted in insufficient time for me to even obtain an appointment with a solicitor let alone remedy the alleged default. Your recent actions have lead to you unlawfully rescinding the agreement.

 

I accept your unlawful rescission of the agreement I note that you are now entitled to claim those arrears genuinely due at the time of the termination (not including any unlawful charges ) and I would be obliged if you would advise me of the exact amount of those arrears, against which will be a claim for unlawful rescission.

 

Yours Faithfully

*********************************************************

Pumpytums helped with this letter.

 

As it was sent to MBNA I do not know if it was sent on to Expurto, but judging by the guys attitude today I think they did and he was probably hoping that we may have forgotten or he thought that because my mum is a pensioner she would be bullied into agreeing to whatever they wanted, which to be honest if she was dealing with this herself she would have given in months ago.

 

Mrs M

[Dotty50]

Thank Mrs M.

 

I sent a similar UR letter (courtesy of Vint) for one of my MBNA accounts but also sent a letter to dlc to advise that I had accepted MBNA's unlawful termination.

 

Will keep a not of that phone number

[MandM]

Hi just an update.

 

As the phone calls from Expurto have started again I can only assume that MBNA have not forwarded to them the Unlawful Recession letter we sent them on 22/2.

 

I am going to send a copy of the letter and see what they come back with.

 

I will also send a copy of the Harassment letter I sent them back in early Nov 09 and which they have now decided to completely ignore.

 

By the way MBNA have never replied to the letter.

 

Mrs M

[MandM]

How does this look. Am I making the point or should I add anything else.

 

*********************************************************

Dear Sir or Madam:

 

Reference Account :

 

 

Please find enclosed copy of letter sent to MBNA.

 

As you will see from the letter, this account is in dispute and as such I have no obligation to your company to pay you any monies that you are claiming I owe you.

 

I would also like to advise you that a letter of harassment was sent to your company in November of last year.

 

If you continue with the harassment calls to me then I will have no alternative than to inform the relevant Authorities of your decision to ignore my request and take action against you.

 

Yours Faithfully

*********************************************************

 

Mrs M

[MandM]

Nudge.

 

Mrs M