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Some years ago, I had a credit card with MBNA. I don't remember how many years I had it for, but I cancelled it and closed the account in August, 2006.

In September, 2009, I received a letter from a firm called Debt Managers, telling me I owed £247 to MBNA and that the debt had been passed to them for collection. I called Debt Managers explaining I had no knowledge of such a debt and asking them to send me a copy of the statement MBNA are saying was unpaid. I subsequently wrote to them explaining my position and asking for a copy of the statement. After a series of letters between us, I finally received a letter from Debt Managers confirming no further action would be taken on this matter and the debt was being returned to the originator, who I presumed - wrongly - was MBNA. I thought that was the end of the matter, but it was only the beginning, because I the debt had apparently been sold to Debt Managers by Equidebt, who had bought it from MBNA.

On December 5, 2009, I received a letter from someone called R Sharman at Equidebt asking me to call him on what he described "an important matter". I realised what this "important matter" was, so wrote to him instead, enclosing the correspondence I'd had with Debt Managers. Nobody ever responded to my letter.

Other computer generated letters were sent to me by Equidebt (all ignored) until, in April, 2010 I received a letter telling me Equidebt were going to seek a CCJ against me for the debt. This time I phoned the number given and spoke to one of Equidebt's staff. I again explained that I had no knowledge of this debt, had never received any statement or letter from MBNA about it and needed to see a statement. The person went to speak to his supervisor and then returned to tell me that there was no statement from MBNA and they could not obtain one, so they were prepared to offer me a reduced settlement amount. I turned this down saying there was no debt so I was not paying anything. He made a few threats about my credit rating, I told him to do his worst, and that was that. Or so I thought.

Two weeks ago, I received another phone call from Equidebt. By this time, I had found these forums, so I refused to confirm any security details and told them to write to me. They sent me a meaningless and inappropriate letter saying my payment had gone astray and I should call them. I ignored this letter. I received more phone calls which I ignored, then I did speak to one of their staff again refusing to confirm any security details and telling them to send me a copy of the credit card statement, which I know they don't have.

This morning, I received two letters from Equidebt, both threatening CCJ action if I did not contact them by September 1. My inclination is to ignore these letters and let matters take their course, but I'm just a little widgery about this. I have no knowledge or experience with CCJ's. What kind of back up documents do Equidebt have to provide the court in order to obtain a CCJ? Will their inability to produce a statement mean anything, or do they not have to produce it to the court to obtain the CCJ? Is this just another of their blustering threats, or do they mean business this time? Will the court write to me before issuing a CCJ to get my side of the story? What will Equidebt do next do you think?

£247 is not a vast sum of money, but I'm not going to be bullied into paying a debt I don't believe is mine without any kind of proof that it is. If I owe the money, I will pay it, but if I don't, then why should I just because Equidebt are threatening me?

Any help or enlightenment will be greatly appreciated.


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  • 2 weeks later...

I would suggest writing a letter to MBNA saying you know of no debt, quote all the reference numbers in the various letters and say you will sue them for illegal harrassment if they continue as you owe nothing.

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