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Missed Payment Help Iden - MBNA debt

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Hi everyone

 

For the past 7 years I have been paying IDEM in respect of an MBNA credit card debt that they purchased probably for a tiny % of the actual.

 

Since 2009 I have also removed several defaults from my credit file and paid back pretty much everything that I owed following a difficult financial period of my life. I got to the point that I was actually approved for a mortgage 2 years ago.

 

However , a few months ago , I registered a complaint with IDEM as they would not accept a full and final offer to pay off the final and mistakenly I stopped payments for a coupe of months whilst they responded to my complaint . I then paid off the outstanding debt in FULL.

 

My challenge is that they have rightly registered those missed payments with Experian which has taken my credit score down to FAIR .

 

I have asked IDEM if they would consider a gesture of goodwill and remove the missed payment record in respect of the complaint at the time and my exemplary payment record over 7 years. SO far they have refused which I think is unfair but correct I guess.

 

Is there any way I can approach this differently - I have been very polite and reasonable to them

 

Thanks

 

DP

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why is the debt still showing

it should have been defaulted years ago when MBNA sold it on.

 

 

not had the dreaded AP markers have you?

 

 

you should have sent a CCA request years ago rather than blindly paying a powerless DCA on any debt.

they are NOT BAILIFFS and have ZERO legal powers.

 

dx


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

 

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Hi and Welcome to CAG

 

IDEM cant register a default...they are not a Creditor nor the Original creditor.

 

What date did MBNA register the default before selling it to IDEM ?

 

Andy


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why is the debt still showing

it should have been defaulted years ago when MBNA sold it on.

 

 

not had the dreaded AP markers have you?

 

 

you should have sent a CCA request years ago rather than blindly paying a powerless DCA on any debt.

they are NOT BAILIFFS and have ZERO legal powers.

 

dx

 

The debt is showing as paid in full on experian but the missed payments are still there

 

- - - Updated - - -

 

I'm not sure Andy it was around 2012

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ring MBNA and ask when they defaulted the debt.


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

 

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