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leopard lady

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

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As Cadbury says, it seems mbna are getting things in order before they quit the UK. I am beginning to think i will be the last to get a letter lol.

 

Hope your chin is still up LL :-)

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Just looked on MSE and theres a whole list of people who have recieved the same letter today. Someone was saying that they are MBNA's in house DCA? BRITANNICA.jpg

MBNA.jpg

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Definitely sold then, job lot of thousands bought at a fraction of the actual debt.

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Letter recieved today from Moorgate loan servicing ltd on behalf of Britannica, debt now passed to Arden Credit Management, Its like musical chairs!!!

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Hi I had a letter saying my MBNA debt was sold to Britannica a few weeks ago. I had previously been paying £40 a month to MBNA. I haven't paid since getting this letter.

 

Today I have received a letter from Moorgate (who I have never heard of) saying my debt has been passed to Arden Credit management. I've no idea whats going on or the implications for me by this happening. Do I start paying ACM?

 

If anyone could explain how this affects me and the difference between owing to MBNA and now owing ACM I would be grateful as every time this debt rears its ugly head I get stressed out and can't sleep!!!

 

Thanks.

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The debt has been assigned or sold, what

does this letter actually say are Arden telling

you to pa them??

Have they said that your payment plan stays

in place.??

DCAs are likely to be more agressive in their

approach to collecting but always remember

they have no legal authority, the are not bailiffs

and cannot come to your home and take your

goods.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Hi I don't have a payment plan as such, I tried for ages to arrange a payment plan with MBNA but they never sorted anything out.

I got £50 compensation from them for unfair treatment after complaining and even then they never sorted it out, then they wrote to me and refused to communicate in writing any more.

 

I paid the £40 a month off my own back as CCCS told me to pay £1 a month, but I was petrified they would take my house.

 

I was advised that it would be better if the debt went to a DCA as they were more likely to accept f&f settlement, but I don't know if thats the case.

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My MBNA credit card account was sold to Britannia/moorgate recently as well, they must have sold a job lot.

 

Please get any ideas about losing homes out of your head, you are a billion miles from even a nasty letter never mind a repossession.

 

I didn't have an 'official' payment plan in place either with MBNA but have just paid what I could afford (nowhere near £40.month I might add). This is also after all charges+interest have been reclaimed.

 

May I ask if you have had a statement of account recently, I haven't had one in just over a year so wrote to Britannia demanding one. I can see me withholding payments until I get one as well.

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I've not had a statement since I told them I was in financial difficulty and sent them all the info from CCCS. I just kept sending the payments but tbh couldn't afford it last month, then I got the Britannia letter. Now the Arden letter.

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can you check your cra file please

something smells

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Is that all 3? Equifax experian and call credit? What am I looking for? May I ask why you think it smells, please?

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Check your credit file, if there is nothing on there regarding this debt then you owe nothing.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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many threads merged on same debt

keep to one thread per debt please

 

i'm surprised you've never got your cra file

since you began all this 2yrs ago..........

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks, this is only since November 2010, not 2 years??? I got my CRA files when I first contacted MBNA and again when they refused to communicate with me, and they showed red markers for my payments. Admittedly I have not done this since I received my default letter in June as I assumed it was recorded on there.

 

I apologise about the new thread, as I was asking advice on a different topic I didn't think the original thread title was relevant therefore would not get any input.

 

I will get current CRA checks and have a look what they say.

Edited by leopard lady

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MBNA showing as settled?????? See attachment

 

Nothing on there for DCA's

 

Everything else up to date or settled as expected.

 

Not sure if I should be looking for something in particular though? Will check the other 2 now.

 

Experian site not working, says to try later so will try tomorrow.

MBNAequifax.jpg

mbnacallcredit.jpg

Edited by leopard lady

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thats just a holding entry till they get the dca's name against it.

 

read the whole thread today

 

you've been led ui the garden path sadly by a few on here on a few pointless routes

but thats normal

 

you now need to put everything before behind yo.

 

including this stupid house issue you keep harking on about.

 

lets get you ducks inline

 

i think you need to SAR MBNA.

 

and i notice you mention other debts

 

get sar's off for those too

 

i bet you've got heaps of charges to reclaim and PPI.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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MBNA showing as settled?????? See attachment

 

Nothing on there for DCA's

 

Everything else up to date or settled as expected.

 

Not sure if I should be looking for something in particular though? Will check the other 2 now.

 

Experian site not working, says to try later so will try tomorrow.

 

 

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks for your help, dx100uk. Are the 2 screenshots not showing in my post?

 

No, all my other debts are sorted and paid up to date. My creditors have all been extremely helpful except MBNA!!!

 

What letters/agreements/sheets do you want me to upload? the whole if the two credit files I just accessed?

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you keep putting up .jpg's

 

you must convert them to pdf then attach them.

 

as for the other debts

 

i'd get reclaiming.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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

 

Do you want me to attach the whole of the credit report as PDF or just the MBNA part? As I said, everything else is green, and at my age theres quite a lot of it lol. I don't mind either way.

mbnacallcredit.pdf

MBNAequifax.pdf

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matters not if your debts are sorted

 

you can still reclaiming penalty charges and PPI

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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OK thanks for that. Do you want me to attach any more documents? I'll get on with the SAR to MBNA tomorrow.

 

Just to add that I am reading so many threads on different forums where the creditors are putting charging orders on property and this is why I am worried about losing my property.

 

I already was stung by the endowment mortgage fiasco,

and because of that a 25 year mortgage has become a 30 year mortgage and after an uphill struggle I now only have 3 years to go.

 

Hence it is very worrying for me to read about threats of forced sales etc.

 

I do not mean to go on about it.

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no i was just getting you to put those postage stamp up as pdf's.

 

them forcing you to sell you house is a very very remote poss

 

and will have several stages

 

each of which, your vast papertrail will easily trip them up on.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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got letter at beginning of week from Arden asking me to ring them to arrange payment of amount owing lol!!!

 

As if I'd be in this position if I could pay it.

 

just come home to another letter saying I have not taken steps to address the outstanding balance referred to in their last letter,

if i do not come to an acceptable arrangement they will send out a representitive to my address,

obtain judgement and possibly obtain a charging order,

and that I need to phone them immediately to stop further charges being added to my debt.

 

What do I do now?

 

should I write?

 

Generous giving 3 days to sort this out

 

lol.

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