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MBNA Credit card debt sold to Moorgate


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Hi, Im new to this forum and would appreciate some advice please.

 

MBNA sold my alleged debt to Moorgate, despite doing a SAR to MBNA about how the debt but up, they have not responded. Moorgate have been chasing me for the debt for about 1 year now and have recently appointed Arden Credit Management to pursue the debt.

 

Moorgate have sent me some statements but the debt already existed before this and they cannot supply anymore. They have told me to contact MBNA. I have and they have not responded. I have noticed though from the statements supplied by Moorgate, that in May 2011 MBNA closed my credit card debt and transferred the balance to a new account with MBNA. As MBNA were not sending me statements I was unaware of this until recently. Is this legal? Will i be bound by the original agreement given that it appears MBNA created a new account without any knowledge to me??

 

Also, Moorgate have sent me a copy of the agreement I had originally with MBNA. The print is so small that I cannot read it. I do not think that all of the prescribed terms are in this agreement. Should I be supplied with a copy that is legible?

 

Also, do Arden/Moorgate have a legal right to pursue this debt. I have no agreement with them and I have not received any Notice of Assignment from either MBNA or Moorgate/Arden.

 

Thank you in advance

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Hello and Welcome,

 

I've moved this thread to the Debt Collectors Forum.

 

Regards,

 

Scott.

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

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