Jump to content


Simon1959

experto credite and mbna debt

Recommended Posts

I Have a £3500 cedit card debt with NMBA

 

a repayment plan was set in place of £20 per month which i paid every month

 

after about six months they transfered the debt to a DCA experto credite

 

They contacted me and the payments remained at £20 a month

 

after six months i have recieved a letter asking me to ring them to discuss the payment plan

 

i assume this would be to try to extract more money from me

 

i have ignored their request

now receiving a phone call per day to my mobile which i am also ignoring until i receive advice i am reluctant to speak to them again

 

 

 

Should i write to them offering to pay the same amount or just ignore and keep paying the £20 per month the calls i get dont bother me as i just listen to the ring tone and ignore

Thanks

Share this post


Link to post
Share on other sites

Just refer them to the PP you have in place and state that

your circumstances remain unchanged and so will the payment

level.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

And get reclaiming any unlawful charges and/or any mis-sold PPI on the account


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

Hi i have a credit card debt with NMBA

 

between us we agreed a suitable payment plan

,the interest was stopped and i was happily paying back the agreed amount for about 18 months

 

Then the debt was sold onto Varde

i continued paying the amount that was arranged between myself and MBNA,

 

recently i had a letter informing me that Experto credite were now the owners of the debt and nothing would change

 

i have continued to pay the original amount that was agreed too about three years ago ( now to Experto )

 

Out of the blue i recieved a phone call from them ,

this was after they phoned my mother

how they got her number i dont know

 

They asked me to do an income and expenditure form over the phone which i refused

i also demanded that they remove my mothers number from their records which they said they have

i have now recieved a letter and I/E form to fill in

 

I am not filling the form in as i dont believe they have a right to this information

 

Any advice on dealing with them would be appreciated

i am not trying to avoid paying the debt off but just wish to carry on paying at an affordable rate

Thanks

Share this post


Link to post
Share on other sites

Thanks... ive blocked all calls that are not in my phone contacts so hopefully they wont be able to call me so basically they can threaten me by post but not do alot else

Share this post


Link to post
Share on other sites

About time you sent a CCA request to the fleecers

 

Varde very rarely did anything with any good debts

They were always the dodgy ones they handled

 

Old thread merged too

You should have done that 3 yes ago!!

 

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 

 

Share this post


Link to post
Share on other sites

Just read my first post from 2012 when experto purchased the debt,

 

 

are varde and experto the same company

Share this post


Link to post
Share on other sites

Varde replied saying the account was on hold and they wouldn't be collecting on it until they had located the CCA

 

PRA have written to me saying they are now collecting the debt I've ignored them should I send a CCA request to them

Share this post


Link to post
Share on other sites

sent CCA request to Varde who wrote back saying they were freezing the account until they located the CCA

 

I have heard nothing from them now they have sold the debt on to PRA Group

 

this is an old MBNA credit card from I think 2006

Should I send another CCA reguest to PRA

Share this post


Link to post
Share on other sites

As i said in the org thread

Vardi experto pra

All the same lot

So its not been sold on

 

Until or unless a powerless dca complies with your CCA request you

After 12+2 working days cease all payments

And ignore them


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 

 

Share this post


Link to post
Share on other sites

Letter today from PRA saying I've broken the arrangement and to contact them still no CCA

I'll just ignore that then

Share this post


Link to post
Share on other sites

Yep


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 

 

Share this post


Link to post
Share on other sites

PRA are on dodgy ground. Is this MBNA to Experto/Varde to Aktive Kapital and transferred to PRA? When was it first transferred to experto?

 

Caps


There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Share this post


Link to post
Share on other sites

All the same lot just changed name or bought out


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 

 

Share this post


Link to post
Share on other sites

Can you please update your thread please

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?390273-Capricorn-v-Aktiv-Kapital-(MBNA)-Court-Proceedings&p=4490197#post4490197


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 

 

Share this post


Link to post
Share on other sites

I think it was transferred from MBNA to experto/varde credit approximately 6 years ago

Had no further contact with PRA still no signed credit agreement so no pay

Share this post


Link to post
Share on other sites

Letter from PRA enclosing some paperwork

The letter they have sent says that they currently deem this debt unenforceable which means we are unable to take court action or further enforcement action against you to recover the outstanding balance

This does not mean that debt has been written off

If we obtain information in the future we will of course provide this to you immediately

Looks like this ones firmly out of the milking parlour

Share this post


Link to post
Share on other sites

as expected...ruddy fleecers


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 

 

Share this post


Link to post
Share on other sites

Letter from pra in reply to my CCA request  

They in there words have enclosed requested documents 

Which is laughable to say the least they have sent a statement of what they say I owed when they bought the debt and what I owe now on a  PRA  headed statement 

No paperwork from MBNA 

Sounds like custers last stand for PRA😁

 

Share this post


Link to post
Share on other sites

darn the mug didn't fall for our fleecing attempt.

 

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 

 

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...