Arrow Global / Blake Lapthorn - MBNA debt

[IStillGotIt]

Hello all,

 

I really could do with some advice.

 

I have an alleged debt for 20k with MBNA which was sold to Arrow Global then Blake Lapthorn.

 

I have two (yes two!!) defaults on my credit file for this same debt.

One from Mbna & one from Arrow.

 

Both defaults will drop off my credit file in around 50 days at which time I believe the debt will be statute barred too.

 

When they drop off, my credit file will look much better than it has for the past few years.

 

To throw a spanner in the works,

I have received a letter from Blake Lapthorn asking me to contact them within 14 days

with a repayment proposal or they will commence legal action.

 

Whats my best course of action? These are my initial thoughts -

 

1) Try and delay things until the debt becomes statute barred.

 

2) Enter into a payment arrangement to avoid a CCJ. (If I did this, will the default still drop off and no information be available on my file?)

 

I have a few defaults and one CCJ but they all drop off my file this year.

I desperately need to avoid any other advese because I'd like to get a mortgage at some point in the near future.

 

Thanks

[dx100uk]

doubt if the letter says will anything

 

read it carefully.

 

if MBNA sold a £20k there must be something seriously wrong with it.

 

don't 'assume' the default date equals the SB date

 

typically is poss a few week after

 

dx

[IStillGotIt]

Thanks dx,

 

The letter is worded -

 

If we do not receive a response from you within 14 days our client has instructed us to proceed with legal activity.

 

Whats my best response?

 

Prove it letter, SARS or some other reply?

 

Thanks

 

dev

[dx100uk]

instructed means if.might.may,could.

 

i'd sar mbna

 

you could cca arrows

 

but as theres little time left till sb probably

 

lets see what happens

 

dx