Jump to content


Neeta

Iden PAP LOC 1995 MBNA Card debt

Recommended Posts

Hello again.

 

As you will have seen above, my recent query early this year was in relation to 2 CC debts previously sold off to DCAs and subsequently transferred to another DCA.

 

SInce I sent the CCA requests I received one letter saying they didn't have it and realised this meant they couldn't enforce the debt but would continue to contact me - which they have, asking for income & expenses etc etc which I have ignored.

 

The other they sent me a copy of the application form with terms and conditions which DX advised wasn't a copy of the CCA and I should ignore.

 

Following that I have received several letters firstly saying they would be referring the account the ResolveCall who may visit me at home, to my knowledge they haven't.

 

Further to that I then received a letter stating they were in the process of referring the account to their Litigation Dept. included was a form to complete with tick boxes, I owe the debt, I owe part of the debt, I dispute the debt, I don't know etc which I ignored (I was given 30 days to reply) I have now received a further letter telling me if I don't reply it will be sent to the Litigation Dept.

 

Any idea what happens next ?

If they take me to court what is my argument ?

I've tried to research on this forum but haven't come across anything that quite covers this type of letter.

 

I expect this is usual procedure but I'm not sure if the intent is to scare me into submission or if they feel they have a serious claim that they can take me to court for.

Share this post


Link to post
Share on other sites

You must respond to the Pre Action protocol Forms....but use ours not theirs.

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Thank you Andy,  I have read through the thread just a couple of questions.

 

I have already sent a CCA request to the DCA and they provided me with the T&C and application form, is this therefore my 'reason to dispute this debt' ?

 

The thread suggests I return the form to the solicitors that sent me the PAP - the letters are still coming from the DCA - IDEM Servicing. Does this make a difference? Should I just return the form to them?

 

Thanks for your help

Share this post


Link to post
Share on other sites

scan up what they sent back as a CCA return to one multipage PDF please

read upload

 

PAP form reply goes to who sent the pack

but not yet no rush

 

get all your docs up 1st please

 

 


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 

 

Share this post


Link to post
Share on other sites

date you signed please?

 

that's an application form devoid of most of the required prescribed terms.

and the T&C's which do not appear to even have your details which they must

could of come from anywhere inc this site or their filling cabinet!!

 

dx

 


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 

 

Share this post


Link to post
Share on other sites

It was signed in July 1995

Share this post


Link to post
Share on other sites

ive split this off to its own thread now

please post here with anything relating to this 1995 MBNA card debt.

 

they'll never get a compliant CCA for a 1995 card.

hence why the return is incomplete and a cut n paste jobbie

 

follow post 2 of andy's link above

because .. previous incomplete/unenforceable CCA return

 

don't forget use out reply form ONLY.

 

 


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 

 

Share this post


Link to post
Share on other sites

Thank you

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...