Backdoor Arrow CCJ for MBNA CArd debt - now N56 ***Dismissed***

[seklof 1]

looked at the credit file

it's not good reading

id say 5 ccjs in total and no real way of paying them off

 

she had an iva for them and when she couldn't keep up the repayments they have it seems gone for her

 

i thought bankruptcy as she won't ever be able to pay them off

 

any idea

of course she can fill in the form and they can take it from her wages but as she has so many she will never be able to repay them

maybe the judge will see this but they seem to be on the side of the banks

 

any help appreciated

[dx100uk 9,351]

It's only one of them, don't kick the others if they are not chasing.

[seklof 1]

agreed

 

so

 

still no wiser as to who she owes the debt with !!!

not on her credit file

what can we do to trace the debt to see if its sb

she can fill in the form and send off, however, what if she doesn't owe???

which should i do first

[dx100uk 9,351]

Post 19

[seklof 1]

this is the first I have now found

 

next up is to call the court

andrea2.pdf

Edited May 13, 2018 by stu007
PDF Redacted

[seklof 1]

Court call found that the debt is from MBNA

we have asked for the original copy of ccj and the claim form to be posted which they are doing today

- if anyone is following this, the best time to get through is early. Press 2 then 3

 

attachment of earnings sent off

so what would the next step be

shoosmiths holds the debt/ccj - I don't think they should be called

who would I go to

mbna?

what if we don't have any data at all such as account no etc etc

 

bump

[Andyorch 10,445]

Depends what you want to do next......accept the CCJ and comply with the Attachment of Earnings (which you have completed and sent off)

 

Or do you have a valid defence and wish to set a side the judgment and defend the claim.....in which case you should have ticked suspend the attachment of earning (N56).

 

Andy

[seklof 1]

well yes, id like to defend it if it is defendable andy.

so I want to cca someone

also, she was with payplan it seems so its more convoluted

 

I don't think she ticked suspend the action

we didn't know to do that

i do now

 

thanks

[dx100uk 9,351]

when do you think her last payment was?

[seklof 1]

no idea at all

[seklof 1]

I have another post which needs deleting as I uploaded it with details on it

how do I remove the thread?

 

thanks

[dx100uk 9,351]

done it

 

go ring MBNA and ask then!

[seklof 1]

right I will do exactly that

what should i ask them ?

 

thanks

[dx100uk 9,351]

urm..last payment date:madgrin:

[seklof 1]

ok im on it

 

thanks

[seklof 1]

here is the response

 

can I get a definitive answer to what this actually means from the mighty forum - dismissed to me means dismissed however that does not mean that the end of this story

thanks for looking

NO44.pdf

Edited May 13, 2018 by stu007
PDF Redacted

[dx100uk 9,351]

You must redact things!!!

I 've hidden that

 

They have 14 days to object

[seklof 1]

i thought i did!!!

sorry

 

but what does the term dismissed mean - that the judge has decided to dismiss it on the grounds of her statement of earning?

what have they dismissed - the case of her repaying something?

 

thanks

[dx100uk 9,351]

no redaction at all every pers number and names still shows.

 

read it slowly and properly..

 

after reading the N56 means statement he has ordered the AOE is dismissed.

if they object the claimant has 14 days to do so.

 

 

if I dismiss you from your job that means??

[dx100uk 9,351]

Post 30 Attachment hidden

All pers details showing

[seklof 1]

hi

 

we have a response from shoosmiths

I am worried to upload

i did everything correctly yet it still shows all the personal details

i will attempt again

[seklof 1]

this should work

i worked hard to remove everything

[Andyorch 10,445]

I dont think its any of their business how you intend to sustain you current level of expenditure and deficit.....offer what you can afford.

 

 

Andy

[seklof 1]

its been dismissed by the judge

she hasn't a spare anything really

we offered 2 pounds the judge still threw it out

 

thanks for looking in

any observations appreciated

[dx100uk 9,351]

what been dismissed? the AEO?

if so well done bloody nose for arrows again...