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torch1

Idem and MBNA £7k debt

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Received a new PAP from IDEM today for another MBNA debt (£7k remaining - debt from June 2007). IDEM have already supplied the CCA (from online application) along with reconstituted T&Cs and a complete detailed account statement.

 

Any advice please - would I be able to defend this?

 

ps. IDEM also sent ResolveCall around twice (once per debt account) but were ignored and written to with a complaint letter.

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Posts moved over

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Still follow post 6 in our pap thread


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.

 

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dx, will do but haven't they provided everything already in that advice apart from the default notice and notice of assignment? So I imagine they would just wait 30 days and take to court anyway?

 

Since this is a large amount, wondering if its better to negotiate a low F&F (full and final settlement), rather than be stuck with making small monthly payments for the full amount demanded from the court.

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Let them issue a claim first before considering any payment offers...you can mediate during litigation and you never know they may never issue a claim.


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Thanks for the advice, did not know there would be an opportunity to mediate during litigation. Although I think that puts them in a stronger position if they know they would eventually be paid the full amount but over a very long term.

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No it doesnt

Get the post 6 return done

Do not use their form!!

Use the one attached in that post 6


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 

 

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