Link taking court action for MBNA debt

[billsters]

Yes, that is right.

 

Re the disputed sum, I wrote that this was largely unfair charges and interest.

[asokn]

Did you substantiate that at all? There's a reason I suggested you type up "exactly" what was in your defence

[billsters]

Did you substantiate that at all? There's a reason I suggested you type up "exactly" what was in your defence

 

If I type it up, they will be able to identify me.

 

I didn't substantiate it, no. I thought it seemed evident the charges are OTT.

 

I get the sense that there isn't much point in fighting this and I can't stop them getting a charging order. Oh well.

[billsters]

Is anyone able to help simply, I need to know ...

 

How to get any judgement set at terms, like the 20 a month i am currently paying, so they can't send in bailiffs. Do I propose this at the hearing?

[citizenB]

Is anyone able to help simply, I need to know ...

 

How to get any judgement set at terms, like the 20 a month i am currently paying, so they can't send in bailiffs. Do I propose this at the hearing?

 

You would need to provide a thorough review of your Income and Expenditure and possibly back it up with bank statements etc. You can ask, but whether they would agree to it, is up to the Judge and the claimant.

 

TBH, we cant really help you if you feel unable to give us more information.. however, I do understand why you do not feel comfortable doing this.

[billsters]

Thanks.

[billsters]

they won, unsurprisingly put another request to vary in, no reply yet.

[citizenB]

Sorry to hear this - sadly as you have property then Link will almost certainly insist on a charging order in order to secure. Have you send the request to vary on the correct form? If you are on benefits, I think you will be able to avoid any fees.

[billsters]

yes, thanks, have sent in same form as last time and offered 10 a month ( am already paying 20 a month on previous order).

 

i don't mind a charging order as long as they can't make me sell.

[billsters]

Link are the only company to take me to court and get a CCJ, 3 years ago.

 

The court set repayments at £25 pcm. I could afford now to pay the whole remaining £5k back in one go, but don't feel like it maybe they will go out of business sometime, eh.

 

Link have tried to discuss a "review" with me, suggesting I might like to pay less, but I'm guessing paying less would give them grounds to claim I wasn't meeting the court's terms.

 

They also send statements with screaming lines about "ARREARS" but they've stopped adding interest.

 

I don't trust them, I pay them by standing order and that's that.

[postmn]

dont think kthey are allowed to add interest unless the CCJ specificaly states it .

[dx100uk]

correct.

 

 

did still sar mbna

 

 

you never know what it will show up

 

 

dx

[billsters]

Agree, they're not allowed to add interest, didn't stop them trying, though.

[billsters]

Had a call claiming to be from Link today, although the number was withheld.

 

Welsh accent and cocky attitude, demanding my details and telling me that if I didn't give them the details I would be receiving a letter. ("so there", I assumed.)

 

Nothing has changed since last year, they are still paid by standing order and I have no intention of changing that.

I wonder if maybe they have picked up one of my old debts from another DCA, but they should all be statute barred by now.

 

I doubt it's worth their while going back to court to get the payments increased.

 

I wonder if they want to offer me a full and final settlement;

but would that be allowed, once a CCJ has been settled on me owing them £5k and paying £25 a month?

 

 

I have no real incentive to go for a full and final and don't trust them at all.

 

PS I will update you once I get the letter.

[dx100uk]

don't forget that SAR to MBNA

[citizenB]

Had a call claiming to be from Link today, although the number was withheld.

 

Welsh accent and cocky attitude, demanding my details and telling me that if I didn't give them the details I would be receiving a letter. ("so there", I assumed.)

 

Nothing has changed since last year, they are still paid by standing order and I have no intention of changing that.

I wonder if maybe they have picked up one of my old debts from another DCA, but they should all be statute barred by now.

 

I doubt it's worth their while going back to court to get the payments increased.

 

I wonder if they want to offer me a full and final settlement;

but would that be allowed, once a CCJ has been settled on me owing them £5k and paying £25 a month?

 

 

I have no real incentive to go for a full and final and don't trust them at all.

 

PS I will update you once I get the letter.

 

If the payments have been ordered by the court, then Lowells would have to return to court to have them increased.

 

You should insist on everything in writing as this has been subject to a claim.

[billsters]

Sorry, I didn't mean to hijack another thread, thought I was adding to the info about Link and how they operate!

 

Have now received a letter "...on this occasion you declined to give your details. We can understand your reluctance to confirm details but we do need to speak to you and ask that you call us now to discuss your account. Please call us on ... please telephone our office today".

 

Yours sincerely, illegible scribble and no name.

 

Should I ignore?

 

Thanks

[billsters]

Ps I suspect this is in regard to a different debt, one that is either statute barred or very close to becoming so, so should probably sit tight until they send something else. The paperwork says Link and not Lowell, but Lowell were sending me the odd letter until quite recently.

 

Maybe they are hoping to confuse me into admitting to a debt (if I talk about the CCJ) on the telephone which they could take as me admitting to another debt. If I said "I'm paying you the money I owe you by standing order", for example.

[AndyOrch]

Ignore...if its important they will write.

 

Andy

[billsters]

Thanks Andy ... Cheeky, eh?

[Old Cogger]

Dirty tricks these people play & get away with it, Regulators Haaaaaaaaaaaaa paid Bank/Debt purchasers pimps.