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Link/Kearns PAP Letter of Claim - Old MBNA debt


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Hi

 

I received a letter of claim from Kearns solicitors on behalf of IDR finance in February.

 

I sent off a CCA request and they finally sent me a illegible copy of the agreement.

 

I advised them of this and they sent the same again.

 

I'm not sure what to do next.

 

Could someone let me know what I should expect to receive from the CCA request and as they have sent me a agreement, despite me not being able to read it, should I deal with this as a priority?

I'll try and attach what has been sent to me.

 

Many thanks

 

Attached is the agreement I've been sent.

image.jpeg

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can you PDF that please read upload

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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wheres the rest of it that's bogroll

so you had a virgin card..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I asked for a clear copy and they have sent this again but included additional T&Cs but these are on A4 font size 8 or maybe smaller font.

 

I honestly don't know if it was a virgin card. All I know is that it's with MBNA, the account was opened in 2009 and the balance. I must have been closed for 6 years as its no longer showing on my credit report so I asked for the Credit agreement and full statement of the account to help me figure it out.

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put up the T&C's too

 

says virgin on the 1st PDF.

 

have you run MBNA and asked last payment date?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sorry for the late reply DX its been a hectic day. I've attached the t&c.

 

 

You got better eyes than me cos I didn't even see it said virgin. I asked the solicitors firm for a statement of account including charges and payments thinking that they would provide me with the last payment date through the CCA. Is this not the case?

 

 

And I've received a letter from Kearns today stating -

 

As previously stated, we are yet to receive an offer of payment from you with a completed financial statement. If you fail to provide us with the requested document within the next 7 days, we have been instructed to proceed with legal action without further notice.

mbna t and c.pdf

Edited by dilaar
more info
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You ring the OC and ask!

 

I notice you are also writing to people and entering into pointless letter tennis..dont!

 

Can you also update this thread

https://www.consumeractiongroup.co.uk/forum/showthread.php?473605-Cabot-Mortimer-claim-form-Lloyds-OD

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
You ring the OC and ask!

 

I notice you are also writing to people and entering into pointless letter tennis..dont!

 

 

Ah ok ... I'll phone them in the morning to ask.

 

I've only written to them for the CCA request and again to notify that I cant read the agreement. I suppose I'm panicking as the last thing I need at the mo is court paperwork dropping through the door.

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you don't write back on a failed CCA request!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I thought as they had produced something that I didn't have a leg to stand on. Will it still be classed as failed or have I fluffed it up?

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no just don't waste your time

ask here first.

 

LInk are by far the biggest fleecers out there and extremely rarely buy legit debts EVER!!

 

http://www.mirror.co.uk/news/uk-news/boss-of-a-debt-chasing-firm-link-financial-790005

 

http://www.homesandproperty.co.uk/property-news/news/millionaire-debt-collector-digs-deep-south-kensington

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

you really only ever need to respond IF you get a PAP letter of claim or a court claimform now once CCA is done.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

what date did you get it?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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:lol: and its now 12th may!!

I gather that CCA was sent since the PAP or before?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

The CCA was sent as soon as I got the letter. I’ve done nothing with the PAP yet. Didn’t realise it was that important. I’m doing something with it now though! It will be in the post tomorrow :oops:

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it Doesn't REally matter now

it wont prevent or change anything

but use POST 6 in that thread [exactly as posted]

AND DONT use THEIR FORMS.

 

[no need to repeat the cca]

 

but RING THE OC FIRST the last payment date could be the killer here.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

doesn't bother me in the least

busting link or any dca is far more fun...

 

last payment date before you do ANYTHING please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
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