Max Recovery - MBNA statements

[Silverado 2011]

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?

[oleg]

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.

[Silverado 2011]

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.

[AndyOrch]

Thread moved to the correct forum.

 

Andy

[silverfox1961]

Hi

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.

[Silverado 2011]

Thanks silverfox. I haven't sent a SAR but think it would be a good idea to do so.

 

I'll send one to MBNA today.

[dx100uk]

are these debts on your credit file?

 

 

dx