experto/varde now PRA Group chasing old MBNA silver nomination choice card debt

[Old Cogger]

Usual one, so called MBNA letter enclosed in a Experto Credite Envelope ( keep the envelope attached to the letter),

remember post 28??

[firstship]

Mike .....Many thanks will do retain envelope as well.FS

[ltc1607]

Is it the general opinion now that those of us fighting experto and mbna on the dodgy default and sale before expiry of default are flogging a dead horse?

[firstship]

itc607 Hi.not giving up on this,will continue to chase Varde to get DOA.

 

It brings up a linked ?? I have read at length the Data Act looking for those items the DCA or OC do not have to supply,and I cant find any reference to the DCA who has purchased a debt and their right to with hold that document that shows what they actually paid for the debt.They will not reveal this document as we have all found when SAR requested.WHY?

 

regards FS

[Dotty50]

Is it the general opinion now that those of us fighting experto and mbna on the dodgy default and sale before expiry of default are flogging a dead horse?

 

Not really sure why you would think this. All the Experto threads that I have subscribed to for a while seem to be dormant at the moment.

 

With my own, since having a spurt of letters between November and December, it has gone quiet again.

 

If they have sent you anything claiming to be your agreement, scour it for obvious errors, then IF you need to defend a court case at any point, you can question the validity of what they send in response to your s78 request.

[Dotty50]

Is it the general opinion now that those of us fighting experto and mbna on the dodgy default and sale before expiry of default are flogging a dead horse?

 

Not really sure why you would think this. All the Experto threads that I have subscribed to for a while seem to be dormant at the moment.

 

With my own, since having a spurt of letters between November and December, it has gone quiet again.

 

If they have sent you anything claiming to be your agreement, scour it for obvious errors, then IF you need to defend a court case at any point, you can question the validity of what they send in response to your s78 request.

[firstship]

Dotty Hi again.with you on this keep chasing.

 

any thoughts on my 47 para 2

 

Regards FS

[Basil Fawlty]

Have Experto actually won any cases in court yet regarding their MBNA purchases?

 

BF

[Dotty50]

Dotty Hi again.with you on this keep chasing.

 

any thoughts on my 47 para 2

 

Regards FS

 

Hi FS,

 

I have read on here somewhere that their argument is that the sale documents contain sensitive information of other sales, although I don't understand why they can't just delete that information and leave just your sale confirmation. But let's face it, we would never want to pay anymore than they paid for it (IF we ever had to pay) and they are not going to let that information be revealed unless a judge ordered it.

[firstship]

Dotty.Guess you are right,however I have had a debt purchased by Cabot and I am going to give it a go with them,Cabot are a new mob to me,keep you in the picture

 

regards FS

[Dotty50]

Good luck FS,

 

I have no experience of Cabot but have seen their name mentioned on here so you shouldn't have any problems getting assistance

[ltc1607]

I am at arguing the case that I had a DN asking for the full balance and the fact the account was sold befor expiry of DN I wrote to MBNA to get them to confirm the date of sale and to whom sold they replied on mbna paper but from experto that the account had been assigned to Varde no date, on my comms sheets it says account sold to experto so I have written back asking them to confirm the date and to whom sold,now the calls are startind again.The reason for asking if we are flogging a dead horse is the fact lots of threads on here are saying the DN and Termination route are dead in the water.

[firstship]

itc1607 you are correct when MBNA/Experto/Varde are involved in general getting Varde to send Letter of Assignment almost impossible,Experto produce Assignments on MBNA paper,and further insist they are authorised to act for Varde.

 

Experto I feel are very doubtful in what they are getting away with

 

I will continue to chase these companies,with a view to disputing their right to hold a DCA licence.

 

regards FS

[firstship]

itc1607 you are correct when MBNA/Experto/Varde are involved in general getting Varde to send Letter of Assignment almost impossible,Experto produce Assignments on MBNA paper,and further insist they are authorised to act for Varde.

 

Experto I feel are very doubtful in what they are getting away with

 

I will continue to chase these companies,with a view to disputing their right to hold a DCA licence.

 

regards FS

[firstship]

Still all quiet from Experto,but in response to another thread I have had a good look at all the letters in my possession .

 

(1) MBNA sold the debt 13 days after receipt of DN.

 

(2) MBNA advised me that had sold the debt to Experto and gave their address etc

 

(3) Experto write and state they are acting for Varde Ireland who purchased the debt from MBNA(so MBNA are telling outright porkies,they did not sell the debt to Experto.

 

(4) No NOA from Varde ,No letter confirming Experto are authorised to act for them

 

(5) Experto have produced their version of a NOA with the name Varde on it,no date,and blank paper used no Varde headed paper.

 

(6) Also have the MBNA letterheaded paper from Experto,in Experto envelope

 

I think what MBNA/Experto are getting away with has got to be very doubtful legally any thoughts

 

FS

[Basil Fawlty]

Still all quiet from Experto,but in response to another thread I have had a good look at all the letters in my possession .

 

(1) MBNA sold the debt 13 days after receipt of DN.

 

(2) MBNA advised me that had sold the debt to Experto and gave their address etc

 

(3) Experto write and state they are acting for Varde Ireland who purchased the debt from MBNA(so MBNA are telling outright porkies,they did not sell the debt to Experto.

 

(4) No NOA from Varde ,No letter confirming Experto are authorised to act for them

 

(5) Experto have produced their version of a NOA with the name Varde on it,no date,and blank paper used no Varde headed paper.

 

(6) Also have the MBNA letterheaded paper from Experto,in Experto envelope

 

I think what MBNA/Experto are getting away with has got to be very doubtful legally any thoughts

 

FS

 

I'm in exactly the same position FS. Experto have also written to me stating that the Application form they sent me is a perfectly enforceable agreement. What do you make of it, who do you think owns the debt, MBNA, Varde or Experto?

 

BF

[Old Cogger]

MBNA it has been said never looses a grip on any account?

[Basil Fawlty]

MBNA it has been said never looses a grip on any account?

 

Meaning you think that MBNA still owns these Experto/Varde accounts?

[Old Cogger]

MBNA application forms are reported to be in most cases non-enforceable, in the case of my OH!s well they sent an application form with a signature of hers on it , only problem is the CCA was not taken out with them it was as a result of a phone call, card to earn points, turned out to be a credit card whereby points earned for a holiday company, no CCA signed.

[Old Cogger]

Meaning you think that MBNA still owns these Experto/Varde accounts?

 

Do wonder from other threads.

[Basil Fawlty]

Do wonder from other threads.

 

So do I, and I'm wondering how to draw out the answer from them. They cant seem to answer a direct question.

[Old Cogger]

So do I, and I'm wondering how to draw out the answer from them. They cant seem to answer a direct question.

 

And they won!t. admit anything.

[Basil Fawlty]

And they won!t. admit anything.

 

Then I suppose they'll have to take me to court, where a judge can get an admission.

[firstship]

Have had a good go at trying to link MBNA to Varde to Experto with no success,there has got to be a link with Varde and Experto, anybody had any luck with a connection??

 

FS

[Dotty50]

I've not heard anything for ages from Experto but strangely enough my OH has now started getting bombarded with calls from Fredericksons and one letter from them chasing payment and another from MBNA advising that they have passed the debt to Fred's, yet we have both had letters from MBNA stating that no action will be taken due to non-compliance of s78 request.