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    • p'haps not the best thing to do just use the N244.and the ex160 let them sort it out don't complicate things..   don't worry about the bailiffs there isn't really anything they can do there is no right of forced entry upon consumer debt CCJ enforcement.    
    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
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Matt.

Apex chasing Virgin/MBNA credit card 'debt'

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Following on from dealing with my fathers debt thread

 

Received a letter from apex today with a signed photocopy of the actual agreement that my father took his virgin credit card out with from 2002.

 

I take it a full and final settlement is the only way for this one now is it ?

 

Cheers

 

Matt

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Are you sure it is enforceable?

Does it have all of the T&C's included?

 

F&F is miles away, how much is it?

 

You have to ask yourself if it is a considerable amount, why did V flog it?

 

PPI, charges including interest can all be reclaimed.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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It seems so, has 12 pages of T's & C's

 

The amount was 5700 from memory - in 2008 mnba offered an early settlement with 65% off. £1995.

 

uploads of agreement to follow

 

Attached

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Firstly to enforce in court they need the original.

 

Second, those T&C's state the charges are £12, in 2002 they were at least £25, so not original T&C's. You may want to check on their website if they are the same as todays.

 

Thirdly, the agreement has PPI ticked, have you recalimed mis-sold PPI and charges?

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Id hazard a guess if they have a copy they probably have the original although it is a long time to hold a copy of a signed agreement.

 

you are right, the rule was only change in 07 or 08 from memory

 

Im not sure if they have been claimed - will have to double check

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" I take it a Full and final settlement is the only way for this one now is it ? "

 

I personally would ignore them unless they issued a claim...then you can challenge the above...there are no prescribed terms...its an application form form that you filled in at Hopwood Park Service Station...most probably by a canvasser touting for business.


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and pocketing the PPI commission

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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they have included both relevant sets of T&C's

so I assume a default notice was issued around the time of the second set?

 

 

if so

what they have provided is enforceable.

 

 

when was his last payment/use

and what is the defaulted date from his credit file please?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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He pays monthly to payplan

 

The default has dropped off.

 

Regards

 

Matt

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sar time to mbna

you've certainly got PPI there to reclaim

plus there might be penalty charges too.

 

 

you need every statement.

 

 

as this is from 2001/2 that PPI could be worth a pretty penny.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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they have included both relevant sets of T&C's

so I assume a default notice was issued around the time of the second set?

 

 

if so

what they have provided is enforceable.

 

 

when was his last payment/use

and what is the defaulted date from his credit file please?

 

 

dx

 

Not quite DX its a pre 2007 agreement...the above is an application and there are no prescribed terms within the the main body or signatory area...there would have had to have been a further executed agreement on way of issuance of the card.


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that little word application hiding behind that date stamp

 

 

and I don't think pages 1 & 2 relate to each other either andy

well spotted

 

 

page 1 says instore botton right

page 2 [which should be the reverse of page 1

has a diff ref number too

 

 

don't think even if it were the correct application form they could use 'instore' forms in a service station urm...

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Where do you suggest I go with this one now please ?

 

Regards

 

Matt

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let it run

 

 

you did the SAR to MBNA?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I havent read the whole thread yet but. This may well fail on s64 the correct cancellation notice is not included and you spoke with a MBNA representative. Anticedent negotiations..I am sure Andy can help here.

 

I had one of mine stopped early on because, I had gone into a bank and spoken with a representative who helped fill in the form..I took it home for perusal and my better halfs consent and then mailed it in. Three was no correct cancellation notice included. I agreed with the DCA this was what I had originally signed.. The claim Discontinued before it got off the ground.

 

Also check the Application form and the terms and conditions have the same lender name.. Mbna..Mbna Europe etc.

 

If I had a clear copy very happy to spend an hour on these for mistakes. They look very iffy... That said spend an hour now and again on them yourself. ,


WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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