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    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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meepatme

mbna cca request

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Well into first first few weeks of not paying my 4 lenders.

 

 

Couple of sent dd forms bin.

MBNA phones me and asked me to ring them deleted.

Awaiting for official letter in response to my hardship letter no payment till December for a DMP to kick in.

 

all debts are newer then 2007 except the MBNA

as suggested I will wait the others to go to DCA before using any other CCA requests.

 

 

using the template for MBNA is the address the one to use for sending this letter off to.

 

The MBNA account was open 2006 and ive also read that most MBNA accounts pre 2007 are pretty much unenforceable.

I owse 42k,

MBNA is 6k.

Be a small win in a big pool but a starts a start eh.

 

Customer Advocates Office

MBNA Limited

Chester Business Park

Wrexham Road

Chester

CH4 9FB

 

Thanks Russ

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they have 12+2 days to supply the original. If they dont, then they CAN chase, but they cant legally enforce it. basically until they fulfil the request, all they can do is beg.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks will post it out to the OD as iv only just stopped paying as the agreement will be pre 2007. Will wait on the rest going to DC before using more CCA's.

 

Will see what they say not paying lenders anything till December more interested to see if the MBNA going fall foul of being unenforceable due to the CCA

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If its pre 2007 they need the full original.

 

remember, keep paying u ntil the 12+2 have elapsed, that way you stay in control.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi well I only just stopped paying anything and wrote to let them know the situation so first time I will be not paying onto the account. When I looked on my credit file I noted the cc open 2006 thus I have sent them the CCA now. With all the other debts being > 2007 I guess CCA those would be pointless till they get to DC.

 

So far MBNA have sent a letter acknowledging the letter of hard time and stated no one would contact me for 30 days and asked me too fill in an Income and expenditure form. I guess I will fill this in and return next week.

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