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    • Apologies for the short responses today, I have been in work all day so have had to duck out of meetings and respond to you on my mobile.  I am feeling extremely overwhelmed by all of this, it has been hanging over me for over 3 years now since I first discovered the CCJ on my file.   I am a single mum of two little ones so really struggling to find my way through this.  I paid a solicitor to help me set the CCJ aside and it used up every penny of my savings to so.  I can't afford to pay for anymore legal help but feel completely out of my depth.  My witness statement needs to be with the court and claimant by Wednesday and I am terrified of getting it wrong and losing after everything they have put me through.    I really appreciate all of your posts, and would be so so thankful if you could help me finalise my witness statement to ensure I have got all of my points across and that I have not included anything that could go against me. Thank you
    • I am sorry about getting your status mixed up.  I have noticed one thing. On their claim they are only pursuing you as the keeper-I think it is  on their Point C that the driver did not pay , so the keeper is liable. So on your No keeper Liability section  You may need to add 8a after 8.  8a  . It is trite Law that the driver and the keeper cannot be regarded  as the same person and the claimant has failed to offer any proof who was driving.  BY  pursuing the keeper . when the PCN does not comply with PoFA must mean that their claim fails.  
    • Thanks for being so kind (I mean they took the tape off me obviously and wouldn’t let me pay for it) but do you think they might tell this company to leave me alone? Or just ignore me. I sent it tracked. I cannot get a criminal record and of course don’t see why I should. It was an error. Thanks for actually taking time out to reply to me. So I’m expecting a few horrid letters? One which will say letter before something but as long as it doesn’t say letter before action I’m ok?   if B&Q take me to court will I be able to pay this fine before anything bad would happen.    It’s all a shame as it means I’ll have to make excuses now if it’s every suggested I go into B&Q but I guess that’s the situation I’ve found myself in. Many thanks 
    • oh £5 for the tape that's fine.
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freddies chasing mbna cc debt


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Sorry to hijack the thread but not sure how to post.

 

I'm dealing with Fredrickson chasing for MBNA for £10.5k. I've sent the CCA request and eventually yesterday received a reply. I can't scan so I'll type in the gist. They've returned the PO and said to contact MBNA as it is for them to answer. They also say they will hold further action for 28 days and then continue chasing it up.

 

It;s clearly a standard letter with

 

adm_BOA_cca_sar

on the bottom of the letter. It looks like they have decided not to comply with request to provide CCAs or SAR as per legal requirements.

 

Has anyone any suggestions as to what to do next please? It's been such a relief not to have those vile texts all day every day.

 

Help please anyone?

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does this show on your cra file?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Right, next stage. Sent CCA request to MBNA who have returned it with signature. Today got a letter from Bryan Carter saying pay in next 14 days or they recommend action.

 

They say to contact Freddies with an offer, not MBNA. There has been no notice of assignment and MBNA have not replied to an offer of a token gesture.

 

What should be done next? Business has gone bump and there are no jobs to be had, should I go for CCJ because at least the court will accept a small amount and the 6 year clock will finally start ticking.

 

Any suggestions please?

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