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MBNA debt - LINk have? taken me to court? help please lots of PPI too!


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Hi ,

 

I received a letter from MBNA saying they had sold my cc debt to Link couldnot pay it so buried my head in the sand and ignored it.

 

Link to took me to court and I filled in the court papers and admitted the claim including £1400 of their costs posted it back to them.

 

it then occurred to me that i had ppi on the card so put in a claim sent for the agreement and i had not asked for PPi

they been charging it since 2002 on £4200 balance only paid the minimum payment each month

 

I rang link asked them if they gone for judgment they said that they were in the process

i explained about the ppi and they said that they would not go for judgment and would wait.

 

They didn’t and went for judgment.

 

Today i received 3 letters 2 from MBNA upholding my complaint on ppi on the card and another upholding my complaint on 2 loans 1 for £15000,

and 1 for£9800 (loan value not PPI)

they say it will take 12 weeks for the card and 8 for the loans.

And another from link saying my debt has been transferredto Cardiff for enforcement.

 

Looks like i am going to be dealing with bailiffs for money I don’t owepresuming that the PPI will cover the card?( they havent told me how much justthat they agree my claim)

 

Can anyone tell me will the PPI be enough to pay them £5600?

 

What should I do regarding court?

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you should have used the PPI as a counter claim.

 

have you ACTUALLY got a CCJ yet?

 

 

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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