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Experto Credite == Trust the Expert or should that :madgrin:be TRUSS)

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Let us know what happens,.

The Web site is egotistical cr*p!!!!!

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes I got a letter after months of no contact offering 60% off. Now if they try 99% off they might be talking :)

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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  • 3 weeks later...


Welcome to The Consumer Action Group.



I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.


Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.



Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.


It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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  • 4 months later...


Not at lot to report just yet i have received a DN notice from experto on behalf of varde "they state i am in breach of the 'payment' clause under under you MBNA agreement which has been terminated" this was the 19th sept nice of them to let me know. I have then received a letter off fairfax solicitors stating the usual blurb payment now ..serious matter...9 days etc


I think i will send experto a letter asking them to provide the CCA( again) that i have asked for and they have not provided but now refer to in their correspondence

by the way all letters do not have a wet signature so i am struggling to take them seriously but i will try :razz:

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Out of curiosity go back to the letter from MBNA (not sure you had one) but if so see if it states the debt has been sold to Experto,??


As I am having the same rubbish with Experto and I have re-checked all the paper work I notice MBNA state they sold the debt to Experto,and then Experto inform us that they represent Varde who purchased the debt from MBNA.It shows MBNA are telling porkies,and Experto doing the same



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Hi First

I have had a look and i have had nothing from MBNA stating it has been sold at all, just a letter from experto stating that varde is "the legal assignee" not one of the letters have a wet signature on them so its all just standard threats. I am expecting the next ploy will be to go through the Northampton bulk center or to send a statutory demand which i am ready for. As another pointer i am going to send this to experto which i sent to lowell and got a reply stating that they were closing the account (see my barclaycrap thread)


Claim: **********


Dear Lowell Financial/Red,





If this matter is to be the subject of legal proceedings as you imply, you are obliged to disclose under the Civil procedure Rules, the information and documents detailed below. The information must be furnished within 14 days of receipt to provide what has been requested. If you fail to comply, this will be reported to the appropriate Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought.


1. A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. All records you hold on me relevant to this case, including but not limited to:

a. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to it the account.

b. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

c. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with Barclaycard

d. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

e.Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

f. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

g. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

h. A genuine copy of any deed of assignment, or proof that you have a legal right to this money.

i. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

j. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.


3. Any other documents you seek to rely on in court.

4. A copy of your complaints procedure, as required by the Consumer Credit Act 2006.

5. Clarification of the date you acquired the debt, what organisation you acquired it from, their registered office, their company number (if any) and what legal title they had to this debt, and what credit license number they had at the time that the debt was purchased or entered into.


I will require this information within the next 14 days. I must advise you that if the information is not forthcoming, it will be reported to the appropriate Court that you are trying to frustrate proceedings and denying me the opportunity to file any defence on this serious matter if required.


Yours Sincerely,





This is a letter off this site and i know it is when somebody has started court proceedings against you, but, slight alterations to it and just using their tactics of saying "we may take this and that action" seems to show them that they are in for a rough ride and you know a little about what they are sorry maybe going to do. After reading lots and lots off this site and other info on courts and procedures

they have to prove the issue, so they can do the work for it as far as i am concerned. The first reply from that letter was that they were not taking court proceedings yet so the CPR was not warranted, the next letter said account closed at the mo as they could not get the CCA


Hope this helps

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Send CCA to Fairfax they get confused easily

when asked for proof.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 2 months later...

Hi All

well after getting the letter off fairfax i sent them this slightly altered letter off this forum


Dear Sirs


I refer to your letter of 20/10/2011, the content of which is noted. No debt to you/your client is acknowledged.


On 06/10/2009 I made a formal request by recorded delivery to your client pursuant to s.78(1) of the Consumer Credit Act 1974. They have failed to comply within the statutory time limit, or to state whether the agreement exists at all. It should not be necessary to have to remind solicitors that the provisions of s.78(6) now apply. If your clients have not informed you of this and/or you have not requested any proof concerning this matter, please regard this information as your official notification of the situation. In the circumstances you/your client’s threat of legal action would appear to be a breach of the Consumer Protection From Unfair Trading Regulations 2008 and the Office of Fair Trading Guidance on debt collection . Should you or your client bring proceedings, they will be robustly defended, and the Court's attention drawn to the above statutory breaches. Any further actions/demands by Experto Credite, Varde or Fairfax Solicitors will be reported to the relevant financial bodies if my formal requests are disregarded. Furthermore I reserve the right to bring the conduct of you/your client to the Court when the issue of costs is being considered.


Yours faithfully


Their reply was that they are passing the information on to experto....that was the last i heard up to now

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