dlc/ruthbridge chasing very old £15k mbna debt - help with CCA checking please

[mitsi59]

Hi Everyone!

With the lovely support on this site,

 

i sent a CCA request on Monday to Ruthbridge who i have been paying a token payment of £1.00 for over a year

and to Direct Legal and Collections prior to this.

 

This is an old debt of MBNA going back as far as 2005 for £15,107.00.

 

Today i recieved the postal order back,

with the CCA letter stampted recieved and also a slip stating

 

"account returned to our client Direct Legal and Collections",

 

question is

 

do i now send a CCA request to Direct Legal and Collections or wait to hear from them.

 

i also have recieved the credit report and do not see anything relating to this debt on there.

thanks!!!

[dx100uk]

cash cowed by the sound of things

 

yes resend the CCA request

[mitsi59]

hi

i have recieved a reply back for my CCA request from Direct Legal Collections,

 

 

they are stating they have sent us an original copy of they agreement, with T & C attatched,

 

 

please could someone on her direct me where i can find info on this forum

 

 

or what i should be looking for in the agreement

 

thanks

[ims21]

Please post it up minus any personal identifiers.

 

There is a link in my signature to instructions on how to post items to the forum.

 

The guys can then have a look and offer comment.

[ims21]

Please read the instructions....you need to PDF them.

 

Ta

[dx100uk]

please follow the guide ims21 gave you the link too

 

 

you need to put ALL the redacted pictures in to a word document

 

 

then convert the doc to PDF

 

 

then attach via the go advanced bottom right of these msg boxes you type in

[mitsi59]

sorry for delay had trouble converting and uploading

[mitsi59]

any advice lovely people!!!

[mitsi59]

why do the dca always back date their letters?

 

 

i recieved their response on the 3rd sept,

 

 

but letter dated 28th August,

 

 

they are saying they have completed their obligation under the CCA act,

 

 

and to contact them within 14 days to discuss payment options,

 

 

someone advice me please!!

[dx100uk]

don't worry about that

 

 

makes no odds

 

 

can you tell us your payment history on this debt please

 

 

have you all the statements?

 

 

why did MNBA sell the debt on?

 

 

and when was you last payment to whom?

 

 

Any PPI/PENALTY charges?

 

 

any discount letters?

 

 

dx

[mitsi59]

this a credit card which was taken out approx in 1999,

 

 

which fell into arreas from approx 2003-2004 with a debt approx £15,000-

been paying token payments from 2004 onwards

 

i only have about 2 statments for this acc for 2005

 

as there are a few debts,

i dont have all the statements

- so im not sure which ones have a PPI on them

 

have SAR them and awainting info back

 

i have noticed on the the information that DLC have sent me on this a/c, which i have uploaded, the PPI box is ticked

 

The property was sold approx in 2001, there is no available equity

 

these are partners old debts, as he is sick, i have had to take over and deal with them myself

[dx100uk]

what do you mean by token payments

 

 

how much and to whom?

 

 

when did it get sold on?

[mitsi59]

token payments of £5 pcm for 2004,

£3.00 pcm for 2005 and

£1.00 pcm on wards to date

 

i dont know when the debt was sold on,

but payments have been made to Dlc for a long time and recently ruthbrigde

 

i guess i wont know any more untill i get any paperwork back for MBNA who i have SAR

 

sorry to be vague, but i dont have a lot of paper trail,

apart from letters from DCA stating a figure of how much is owed

[mitsi59]

i believe there were discount letters in the early days,

not seen one for a long time,

 

 

i dont know why it got sold on

 

 

maybe because there is no equity or he couldnt keep up the payments a

nd was only able to offer a small token offer of payment,

not sure bout ppi as dont have info

 

according to one statment i have for 2005

 

late fee £25.00

overlimit fee £25.00

interest charged £212.22

the a/c was sold to DLC on the middle of 2005

[dx100uk]

gotta admit this is beginning to smell.

 

 

for a large company like MBNA to sell a £15k debt

 

 

dx

[mitsi59]

could someone please advice me on what i should be looking for on the CCA & T&C's they have sent me or what my next step you be

[dx100uk]

have a read of a few threads in this forum

 

 

look on the agreement for refs to parts of the t&C's like say ref to 13c

and make sure all the t&c refs exist

 

 

look at the level of charges for late/over too

what are they.

 

 

best await the sar return

that will hopefully show up why they sold such a big debt on

 

 

dx