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I had a MBNA credit card which i ran up a debt of £6000.

 

In February of last year i paid £2000 from an inheritance.

 

I have been unemployed for over a year.

 

The debt was taken over by Link Financial.

 

In February this year they went to court and won a court order?

 

the debt with link financial is over £6000,

 

what is the best way to check the charges and make a final offer.

 

Thanks

neil

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Hello and Welcome Neil.

 

Do you have all your statements for this account,if not you can send MBNA a Subject Access Request, when did you take out this Credit Card.

Are you in Scotland, you say they won a court order can you give us some details of this.

 

Regards,

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

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I live in Scotland.

 

The credit card was taken out around 1997.

 

I have no paperwork for MBNA.

 

Link Financial took over the debt of 5822.52 on 29th march 2012.

 

A decree for full payment was made on 4th jan 2013.

 

the current balance is 6432.85

 

Thanks for any help

Neil

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You should send a Subject Access Request to MBNA, this will let you know the score regarding charges ect which can be re-claimed.

 

Have you recieved a Charge for Payment ?

 

You can apply for a Time to Pay Order...............................

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?185249-Have-you-received-a-charge-for-payment-arrestment-summary-warrant


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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ave you recieved a Charge for Payment ? The court granted it in jan 13. I will send a Charge for Payment to mbna. Should i try i final payment offer?

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decree in 2013 when before this did you make a payment?


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Last payment around dec 2012

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I would send the sar first to mbna so you can get what you need to see where in the inflated balance comes from.


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Thanks for all your advice, i have written off to MBNA

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I have received the SAR from MBNA, there is quite alot of of pages. What IAm i looking for?

 

Thanks

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penalty charges [late/over/letter]

 

PPI ?

 

did you get the court papers before they got judgement against you?

 

did you contest it at all?

 

do NOT trust link as far as you can kick them!!

 

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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get your cra file too

 

 

tell us what that says

 

does the debt show

 

before you paid link

 

when was the last payment/use of the card?

 

if link have this debt it will be DODGY

 

you need to look at the statements carefully

 

MBNA sold the debt for a reason you need to find it

 

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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Thanks for helping me.

I got the Cra from MBNA what is cra ile?

 

I dont understand what part im suppost to be looking at

should i scan the whole lot

 

Thanks

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sri .

 

credit reference file

is this debt showing.

 

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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hi

 

balance at sale 5882.52 6th march 12

last payment made to mbna 1590.85 on 06 02 12

highest balance was 7,413.37 on 31/01/2012

LInk Financial 5822.52 on 30/09/12

76.38 31.12 12

38.19 31.12 13

421.89 decc 31/01 13

35.16 28.02 13

39.15 31 03 13

balance link 6432.85

 

documents include

 

autoscore sm card application details

application form

comms 10g main customer information system

additional comms log

 

what can i do

 

many thanks

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Was there ever a 5 year period during which you made neither any payment nor *written* acknowledgment of the debt?

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cra file please

 

have you followed the link below and got one please

 

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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Link Financial £ 6,629 02/09/2013

 

Default

 

Account type

Credit Card

 

Account number

************

 

Account start date

11/09/1998

 

Opening balance

£ 7,413

 

Repayment frequency

Monthly

 

Date of default

31/01/2012

 

Default balance

£ 7,413

 

Status history

 

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec 2013 D

DF

D

DF

D

DF

D

DF

D

DF

D

DF

D

DF

D

DF

D

DF

 

 

 

 

 

 

2012

 

 

 

D

DF

D

DF

D

DF

D

DF

D

DF

D

DF

D

DF

D

DF

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i was told they bought the debt at 5882.52?

Whats going on

 

Please

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have you got the court papers

was the judgement granted with any post judgemental interest mentioned on the paperwork?

 

there wasn't any real gap between you paying MNBA then link getting you to court

so nothing there to find.

 

I take you got notice of them taking you to court?

did you not defend it at all/

 

looks like all you can do is a time order though the judgement was some time back now

 

i'm surprised you've not been hassle for payment yet.

 

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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No i didnt contest it/,

 

i have been charged around 90 pounds after the court

 

I have other debts ,

 

im now in work

 

im in the process of paying pay morgage arrears, c tax and gas electric arrears,

 

can i make a final payment offer

 

Thanks

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Yes you can but they are unlikely to accept it unless ite quite a big chunk as they have the full balance plus interest via the court action.

 

What does the court order say to do? Is it a judgement forthwith or are you to pay in installment?


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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i have recieved a letter from link finincial asking me to contact them in 7 days.

 

I got back a report from the original MBna account which has a tick next to ppi.

 

I didnt know that i had ppi,

 

most of the debt was when i was unemployed.

 

I am back at work trying to figure out how to pay .

 

Last time i spoke to link the said their should be no charges after the court case

butr another 2000 pounds has been added

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have you a copy of the decree please

 

scan it up!

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..jut upload it ..job done

.

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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