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Mbna credit card ,LINK got CCJ & then a Charging Order - now getting charges added.

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Brief history …

 

MBNA credit card into difficulty due to self employed and debt sold to Link Financial who took me to court and won

and was ordered to pay full amount but I then applied for Variation order and was awarded to pay £10 per month .

 

But Link did apply for a charging order and was awarded.

 

Now since my CCJ

I have paid the £10 by postal order and also sent every payment by recorded delivery to the address on the CCJ.

 

After about the 2nd payment I started getting the standard letter saying I had fail to pay as per the CCJ etc

and also constant barrage by phone but talking to these plebs is like talking to a brick wall and informed I had sent and had proof of delivery.

 

However after a lot of arguing it transpired the address on the CCJ was the Caerphilly office and they are not set up to take payment ?????

 

I asked they send me a letter instructing me to make payment to another address other than as stated on the CCJ.

 

I also send them a letter demanding that as of now all correspondence had to be in writing and to stop calling both my land line and my mobile.

 

I also sent them both copy of the postal order and proof of delivery slip and

eventually I received an apologetic letter telling me they would cease to call and all correspondence would now be by letter.

 

Now today I received a statement from Link and find that a charge of £72.00 under AGT (whatever that is)

and £264.00 under CAT (whatever that is ) has been added to my account.

 

Now my query is what the hell are these charges …

and are they not bound by some sort of governing body to make sure you know what the hell is being added … and why are they added.

 

I have proof (as I have already given when they requested ) that all payment where received by recorded delivery before the date.

 

I have sent both a copy of the recent statement and a copy of the Final Response they sent to me telling me that had made a complete balls up lol.

 

Oh and before anybody asks …

. Yes there is PPI going back to when I opened the cerdit card in 2003 lol…

 

. About 5 weeks ago I found some old statements in the attic going back to when I first opened account (self employed )

and showing PPI and received the SAR I sent last week

so need to sort that out soon as I sort these clowns out and I will create a separate thread for the PPI battle lol..

 

If there is PPI does it make the Link CCJ legal and also the Charging order.

 

Is there any point in complaining to who ever they are governed by

and can I now start charging Link for the constant harassment and bad management that means I have to spend a lot of time dealing with this issue.

 

Any help would be appreciated

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look for £12 PENALTY fees too!!

 

unless it SPECIFICALLY mentioned in the judgement box

they can add nothing to the judgement total.

 

dx


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

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I have had time to look and maybe it is the charges for the charging order ??

But if there is PPI is the debt legal ...

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it does not invalidate the judgements no.

 

unless the total of the ppi+its int

and/or

the additional total of any penalty charges+its int

 

out total the debt the ccj/co was for.

 

then there might be a poss

 

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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