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Formal demand letter from buchanan clark


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Hi,

 

I have received a letter from Buchanan Clark & wells titled Formal demand

on behalf of their client aktiv capital this is a an MBNA debt from late 2011 it already has a default registred from MBNA on my credit file

Is this a statutory demand? which could lead to bankruptcy, i don't have a job or any valuables to say the least since i was made redundant in 2011, but i am worried nonetheless ,

the letter goes on to say that they are unaware of any legitimate reasons of not paying and they may recommend legal action and to contact them immediately any advise on how to respond is much appreciated.

Please help

Edited by alan2simms
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its just a pretty letter

with Pretty words

designed to make you contact them

 

DONT

 

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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have you all you statements?

 

got PPI?

 

got PENALTY charges?

 

how much do you owe?

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,

thanks for your kind reply I am afraid I have no statements at all but im pretty sure i had payment protection, I had a 3.5k limit and spent about 2.5 k and informed MBNA that i can no longer afford to pay ,then they started asking for all kind s of things and I did not reply ,now they are asking for just over 4k!! the letter saya client is aktiv capital but within brackets says MBNA, I am afraid I had to leave behind all the documentation when i had to leave the rented space and landed in hospital with a critical illness , so to make a long story short I have no statements at all, and i have a lot of other debts as well, i went to a soliciter friend of mine and got advice on a an IVA after going through everything I was told it will probably fail as i have hardly any fixed income :( .

but as to my immediate concern is this Formal demand I hope it is not like a statutory demand which i read makes you bankrupt(according to what ive read)!!

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ok sar them

sit on your hands

 

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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