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old [8yrs] MBNA CC debt - claim form received - help please novice here


Gavalar
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post 8 post 21

 

you need to find out why they sold a debt of £10k

 

and how it got to £10k

 

dx

 

Hi DX,

 

How would I find out why they sold the debt and also with regard to how it got to 10k it shows lots of 'finance charges' and late payment fees.

 

Sorry to sound SOS lost but I'm unsure what to do or how to tackle this??

 

Any help I would really appreciate.

 

Many thanks as usual Gav

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finance charge is prob the interest allowed

 

tot up late fees or any 'fixed sum' re-occurring fees

 

you have the sar you need to go through it with a fine toothed comb.

 

when does it say your last payment/use was?

 

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 weeks later...

Hi DX - Thank you for responding - Im sorry It has taken me so long to come back on the site.

 

The day after I posted last I started having severe chest and back pains and got rushed into hospital

- I had Double Pneumonia and have been in hospital for almost 10 days as Im also an asthma sufferer which it affected as well.

 

ive been even more stressed about not being able to get back on here to have some advice where to go next

its really taking its toll on me and obviously my health at the moment

- I never thought stress would hit me as it is at the moment if these debt collection people could see what it does to people!

 

Anyways rant over...

 

I have gone through the report which MBNA sent me and looked at the statement in finer detail and this is a summary:

 

Account opened with a balance transfer on 15.05.06

Late fees x 27 at £12 = £324

 

Then from the 15.05.08 there are 'Finance charges' each month thereafter

there are 3 entries on the same date saying finance charges for amounts like £11.74, £45.89, £119.12 ....

Having totaled all 'Finance Charges' these come to £4642.14

 

The last payment shows on 17.06.2010

30.06.2010 It then states Charge off adjustment - £10,082.18

19.07.2010 Zero Curbl on sold acct -£10,082.18

 

I really dont know what I do next with this and what I do with DLC / Hillsden they sent me another 'Statement' whilst in hospital

- just what i wanted to open when i had my mail brought into me!

 

Can someone please please help me as I am so worried about this.

 

Thank you in advance for taking the time to read this and hopefully advise or help me.

 

Best wishes to you all Gavalar

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i'l pop in later

 

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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put those PENALTY charges in the FOSCISHEET spreadsheet using

MBNA's APR in cell D15

 

finance charges are INTEREST - purchase/cash/bal transfer [prob] cant reclaim

however

they can send you as many letters as they like

 

can we confirm please

this debt DOES NOT show on your cra file?

the last payment was 1st mar 2008

[so Sb'd march next year?]

pers i'd do nothing bar the spready

 

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Or for a PENALTY charges Reclaim. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls

 

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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Share on other sites

put those PENALTY charges in the FOSCISHEET spreadsheet using

MBNA's APR in cell D15

 

finance charges are INTEREST - purchase/cash/bal transfer [prob] cant reclaim

however

they can send you as many letters as they like

 

can we confirm please

this debt DOES NOT show on your cra file?

the last payment was 1st mar 2008

[so Sb'd march next year?]

pers i'd do nothing bar the spready

 

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Or for a PENALTY charges Reclaim. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls

 

dx

Hi DX thank you so much for your reply, I'm typing this on my mobile phone unfortunately from Hospital after being rushed back in yesterday early hours.

Currently on a drip and on the road to recovery!

I will read all the info when I can see it on the PC when I'm home which I hope will be Wed / Thurs so I'm told.

Thank you for your ongoing help and advice.

 

Thank you Gav

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you get better!

 

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...

Hi all,

 

Ive been a while replying here sorry, Ive sat on this a bit which has again come back to haunt me!

 

Today I have received another letter from Aplins acting on behalf of Hillsden Securities stating that they have been instructed to issue legal proceedings against me unless Full payment is made immediatley.

 

If payment hasnt been received within 14 days a claim will be issued against me at Northampton Court with an application for the registration of a CCJ.

 

Ive read on forums that they have actually pushed this through with many people recently.

 

Please help what do I do?

 

I feel as if this is crippling my life, im besides myself with worry and this is really starting to show in my day to day life.

 

 

What do I do from here....Can anyone please help me?

 

Gav

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if its the std aplins letter

 

read it carefully

 

if doesn't actually say will.

 

its an if or maybe letter.

 

scan it up

 

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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3rd time for that letter then!!

 

court in 14 days

 

2 mts later

 

another that says court in 14 days

 

then more time

then court in 14days.

 

CRAP!!

 

i'm gonna jump

I will jump

 

oh no I wont.

 

 

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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Hi,

 

Ive just been looking at my credit report files and decided to try another and opened a 30 day free Equifax account, everything is pretty much the same as everyother one ive seen however as I scrolled down there is an acoount in RED - CREDIT CARD FROM HILLSDEN SECURITIES - DEFAULTED! First time ive seen it on a credit file!

 

Can someone please help I really couldnt cope with going to Court, Im so out of my depth and drowning here.

 

Please any advice from a desperate and very depressed Gavalar :(

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Hi DX,

 

Here is the letter they sent me, through looking through the net, they have taken a lot of people to court recently and succeded to gain a CCJ against them. Im so worried now!

 

Gav[ATTACH=CONFIG]45433[/ATTACH]

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Hi DonkeyB,

 

I wrote to MBNA with a SAR and they sent all the details back within the corect time frame, DLC / Hillsden sent me the CCA (Albeit photocopys and a tickbox where I allegedly signed) Is there another letter I should have sent?

 

The dates are, Last Payment: 17.06.10 , Sold Account: 19.07.10

On Equifax Hillsden have go default date: 30.06.10

 

Any Advice.... Im climing the walls here... should have been in bed 2 hours ago ready to start my nightshift at 1am :(

 

I really appreciate the help that everyone has offered me so far.

 

Thank you , Gavalar

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as an aside those statements are pants

 

if you look closely

 

there are NO DATES just a full balance owing

 

and to complete the CCA return they also should send a statement of account

 

did you also get a copy of the agreement with your name and address correct at the time of the agreement

and a copy of the t&c's for the date you took it out.

 

write back with the failure to comply letter

 

Here’s where dx correctly told you to place the account in dispute.

 

You should do this asap.

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you got exactly the same letter in march

 

tells you something?

 

dx

  • Haha 1

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 weeks later...

Hi DonkeyB / DX

 

I did send the letter placing the account in dispute, I posted the response letter up here on the 8th May where they summaried that the complaint was not being upheld. Have aI missed a letter I should have sent?

 

I need to respond with something before the end of week and im worried as im so busy and tied up with work - its taking over my life with stress with the thought they will push this to court which they have done with many recently.

 

What can I do - please help me, what do I do next

 

Please help, Gav :(

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there is no dead line.

 

ignore them

 

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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Hi DX,

 

Is there anything else I can do apart from wait for the court letter to arrive?

 

I have googled it and seen on here that Dlc/ Hillsden / Aplins push it through to court and are usually successful with CCJ's

 

Im scared to come home most days with the fear of the letter on the door step,

 

Is there any way I can attack before they issue this to me and I frantically have to put some case together which I know ill be unable to do.

 

Im so sorry about the long babbled post im scared so much and just want to try and tackle this its ruining my life at the moment thinking about it day and night :-x:-x:|

 

Gavalar

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you are going away and getting on with your life

 

no original creditor, let alone MBNA sell a £10k debt

without taking it to court

 

there is a VERY GOOD REASON

why they sold it

 

YOU are the one with all the info from the SAR returm.

 

go through it

and findout WHY it has been sold on.

 

its a toxic lemon debt.

 

if a big multi international company has sold it on

and its £10k+ in size

why did they not take you to court.....

 

try and work it out for yourself.

 

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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Taken on board DX,

 

Just up to my eyes with worry! Sorry, but I do relly appreciate the guidance and it feels like support. This site is brilliant and the people are fantastic to give up your time to help and to respond.

 

Thank you so much.

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that's ok

 

please don't worry

 

your case is diff from most here

 

the debt is not showing cra wise

and there would be a real issue to prove any payment within 6yrs.

 

even if court papers were to arrive

it'll be a very easy case to buff them away i'm very sure.

 

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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