A&L then MBNA now AIC hassle.

[dx100uk]

ignore me thinks

 

does this show on your CRA file?

 

dx

[dx100uk]

dear sir

there is no debt to answer

is sb'ed and doesn't appear on my cra file either

 

please advise soonest as it appears you are trying to fleece me with a debt that is not mine.

 

dx

[dx100uk]

no thats the result of SB'ed

 

unless the oc wrote the debt off years ago and marked the file as such

if it dont show on your cra fil

thats typically the reason

 

dx

[dx100uk]

it can if MBNA never reported the payments to the cra or anyone

then it'll be more than 6yrs since last payment to the OC.

 

there is something fishy going on

esp the new and unknown account number from MBNA to AIC

 

so how do punters not deem it sb'ed then in these cases?

 

just because 'some company' comes up with an agreement - that means nothing to payments made.

 

when was the card taken out in the first place?

 

dx

[dx100uk]

Hi all, here is my diary of communications over this account:

 

ID CallID CallDate Notes

07/06/2010 CCA request sent to AIC

10/06/2010 AIC letter says only acting on behalf of MBNA - Write to them, you still owe the money.

16/06/2010 Wrote to AIC: you confirmed you are unable to supply CCA. In default of my request, bog off and return my £1.

24/08/2010 Calls have been continuing a few times a week on my mobile and home phone. No more letters.

08/09/2010 Letter: Aegis has the account, offered 60% settlement and will mark my credit agency file as partialy paid and stop chasing me. DGA thread

10/09/2010 Sent dispute letter to Aegis. Dispute with AIC since 16.06.10. Send back to AIC or MBNA and stop chasing. Posted on 14/09/10 first class recorded.

01/08/2011 Letter from mbna - we are taking further action - will pass to a collection agency.

26/08/2011 Letter from Wescot on behalf of Bank of America, pay immediately or ring us to make an arrangement to avoid Wescot taking further action.

26/08/2011 Wrote to Wescot - have had no dealings with Bank of America. Amend your records and acknowledge.

05/09/2011 Letter from Wescot: query acknowledged. Will suspend and get back to you.

08/09/2011 Letter from Wescot: account is ex Alliance and Leicester card. Dispute is therefore resolved, pay up or contact within 14 days if you think you have a valid dispute.

19/09/2011 Letter to Wescot; If A&L account what authority does B of A have to persue it?

24/09/2011 Letter from Wescot: When you signed the contract with our client, T&C's in your contract say may be passed to a third party.

24/09/2011 Replied: No contract signed with BofA, In dispute with A&L since 10/06/10. Get lost.

12/10/2011 Letter from Wescot: acknowledged query. Won't chase.

13/10/2011 Letter from Wescot: Client has no record of dispute,Please provide further details co they can investigate further. Account on hold for 30 days to await your response.

23/01/2012 Letter from MBNA: account no. xxxxxxxxxxxx ? notice of assignment to Arrow Global Guernsey Limited. Letter from Arrow Global Notice of assignment £6xxxx. Wescot to collect debt.

24/01/2012 Dag thread continued.

 

The card was taken out in 2007 and payments made until April 2010 when AIC took over and started the bullying.

 

 

there's your answer you didn't mention the discount letter did you?

 

no DCA offers a discount unless there is something wrong that prevents them from going to court

 

it will be:

 

debt is mostly Penalty charges/PPI

or

paperwork errors

or

its sb'ed

 

thats the clincher

i've only known one discounted debt ever go to court and i think they lost!

 

game over.

 

ignore everyone

 

dx

[dx100uk]

rossers?

 

mustbe their dca wing then?

 

you've had a discount letter

 

ignore them

 

dx