MBNA/Arden/Britannica recoveries SARL/Mortlake - court paper received.

[ims21]

Have changed thread title slightly

[leopard lady]

thank you

[dx100uk]

Hi dx100uk, I don't have any other debts, just MBNA.

 

.

 

 

but that does not stop your reclaiming on the paid off debts!!

 

dx

[Cadbury1879]

Interesting LL , I've had similar when they sell the debt to a DCA it appears as satisfied on a CRA??

Then appears the DCA as default and balance shows as previous.

I would do exactly the same as previously advised,

A realistic I&E , offer creditors pro rata.

That's It. Reclaim anything you can, chances of court action slim, chances of Charging Order Slim. Chances of a OFS virtually nil.

Cad

[BRIGADIER2JCS]

Of course it will shopw satisfied the creditor has been

paid by a debt purchase company for the account and

all that goes with it for perhaps 5-10% of the value, and

the creditor writes it off against tax.

[leopard lady]

arden.pdf

 

Hi Cadbury is an OFS forced sale?

So I need to send all the CCCS stuff I sent MBNA then? I really don't want to ring them. I have attached their letter minus personal details, bearing in mind I only received the first Tuesday!!! Will they really come to my house?

[Cadbury1879]

Hi LL

The letters, are having the effect they are designed to,

create fear of orders of sale etc.

 

I'm the same, but after few years, now have become more use to the same letters from various company's all designed to have this effect.

 

As I stated before you can only pay, the amount within your budget.

You can use CCCS or National Debtline ( who helped me) it will however not guarantee,

you not receiving letters or other action.

 

Going for your house us an emotive statement, and in reality they cannot take your house.

Creditors cannot!! Possess a unsecured debtors house.

 

The reality is that a creditor can take court action, unlikely in your case.

After a CCJ, in certain circumstances apply for a Charging Order,

after this apply for an Order for Sale, these are as rare as hens teeth.

 

YOU ARE A LONG LONG WAY FROM THESE SCENARIOS.

So don't worry.

Cad

[leopard lady]

Thanks. I sent MBNA the financial statement from CCCS originally but obviously that is out of date now. I will have to go through the whole rigmarole again now.

 

I have just started working part time, I can't work full time due to health problems and I am disabled,

and have started a course to try and help improve my employment possibilities.

 

My financial situation has not really changed, as I am earning very little, and I could do without the stress of having to go through all this again

and concentrate on trying to earn a living and completing my course.

 

Only myself to blame, shouldn't have got myself in this position in the first place!!!

[leopard lady]

Just been reading through a few related threads on here and it says you shouldn't send financial statements to DCA's. Can anyone confirm whether I should or shouldn't please?

[Fred Bassett]

Just been reading through a few related threads on here and it says you shouldn't send financial statements to DCA's. Can anyone confirm whether I should or shouldn't please?

 

You are not obliged to.

 

Only a court can order you to do this.

It's up to you.

 

If you don't want to, tell them to go forth - simply tell them they are not entitled to this private information.

 

They will huff & puff, but ultimately they really can't do anything about it.

 

To be honest, refusing them is your way of taking back a little bit of control and it's probably what most people would do.

 

Regards.

 

Fred

[leopard lady]

Thanks Fred. Can I justify a token payment by saying that my circumstances are the same as they were when I was dealing with MBNA?

[Fred Bassett]

Thanks Fred. Can I justify a token payment by saying that my circumstances are the same as they were when I was dealing with MBNA?

 

Yes.

 

If you're making payments they are basically stuffed.

 

As long as you know that this is all you can afford then that's all you need to tell them.

 

They can make as many threats as they like,

but they know full well that their only option is to take you to court - something they are highly unlikely to do.

 

Regards.

 

Fred

[leopard lady]

OK, thanks. Will get a letter drafted to them. Would they actually turn up on my doorstep or is that just a threat as well?

[dx100uk]

sit on your hand till the SAR comes

i would not respond to anything

 

thats a standad threat-o-gram and arden are bottom feeders

 

you need to report them to the oft etc as the line

 

passing to our solicitors to obtain judgement etc

 

is wronngfully assuming a judge will agree

 

dx

[dx100uk]

OK, thanks. Will get a letter drafted to them. Would they actually turn up on my doorstep or is that just a threat as well?

 

sorry do not reply in any way shape or form

 

dx

[leopard lady]

OK dx will follow your advice. Thanks everyone for the help.

 

Do I keep sending the payment?

Edited February 23, 2012 by leopard lady

[dx100uk]

no i'd stop that too

 

lets force their hand

 

dx

[leopard lady]

received the same letter today as yesterday!!! Must spend a fortune in postage costs. Do letters count as harassment lol?

[leopard lady]

OK so I sent Argen a letter saying account in dispute as MBNA never replied to my letter asking if they held an original (not microfiche) copy of CCA required by court. Got the attached letter today!!!

 

 

[Bazooka Boo]

Ignore them, load of bluff & bluster......what part of ignore them did you not understand originally?

 

All they want is to have the last word.

[dx100uk]

whatever 'start legal proceedings' means...prob another phishing letter.

 

really like that SAR from MBNA to trn up

that should have been done almost 2yrs ago.

 

you can either await the solicitors threat-o-gram

 

and send then a CCA request

or

 

send a cca to ardens now.

 

blank £1 PO dont forget.

 

i'd recheck your cra file

 

lets see who owns the debt.

 

dx

[leopard lady]

Thanks dx100uk

 

Have already recieved CCA from MBNA, also SAR from MBNA.

 

Just to clarify, are you advising that I CCA Arden directly now? I will check my credit file asap.

Edited May 15, 2012 by leopard lady

[leopard lady]

File says 'Credit Card from Moorgate (Britannic Rec)

 

This is even more annoying as it says

 

Terms - 103@£40 (Monthly) , as if an arrangement was ever agreed by any of them.

[dx100uk]

so mbna did accept your propsal after selling it.?

 

or arden have without telling you?

 

so its now been sold

 

so

 

yes CCA arden

 

lets see if we can wrong foot their thoughts of court

 

 

dx

[leopard lady]

no-one has ever offered or accepted anything, that was the whole issue. I had paid £40 a month off my own back to MBNA until it was passed on. I will CCA arden tomorrow, do you think they will have the copy MBNA sent to me? thanks for the help.