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Max Recovery - MBNA statements

Silverado 2011

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I have 2 very old accounts with MBNA,



one for a loan and



one for a credit card which I suspect are statute barred.



Max Recovery took over the account in 2009 and absolutely no payments have been made to them during this time.


Max Recovery send me annual statements and this morning I received the 2013-14 statements.



Usually the statements just show an opening and closing balance but

this year there is a very small credit been posted the account mid year for both the credit card and loan.

The amounts are very small but I'm concerned.


I am absolutely certain that no payment has been made to Max Recovery during the year

so I'm very curious as to what this entry could be for.



Obviously I would like to enquire what these entries relate to

but don't want to imply ownership of the debt and consequently jeopardise the statute barred status.


Would anyone know how I could phrase the letter to enquire what these entries relate or should I just not worry?

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DCAs and Debt Purchasers are known sometimes to add fake credits to jeopardise S B status.


It is easily challenged if they try it on but if I were you I would just let sleeping dogs lie until you are absolutely certain you were past the six years since last payments.


You can confirm the dates by ringing MBNA.

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Thanks Oleg for the reply. Yes I agree, I don't want to poke the bear and sitting tight might well be the right way to go.


I do, however, need to find out exactly when the 6 years is up so I have a water tight defence should anything happen.

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Have you though of sending a SAR to MBNA


As Max Recovery are a separate company, any contact to MBNA should have no real effect.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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are these debts on your credit file?




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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