cabot/MBNA card Debt - Begging letter received om Mortimer Clarke

[dx100uk]

this charge, is the house jointly owned?

[dx100uk]

so its a restriction k which means all you need to do is inform them AFTER the sale..though on them theres no money left..

 

as for the enforceability

time to get some CCA request running for each one!!

 

I would gather that by that comment you've been reading around

and the penny has dropped that these DMP companies never check the enforceability of any debt

esp those sold for peanuts to debt buyers

 

and you are sadly realising you might be a multi debt cash cow to these powerless DCA's??

they are not bailiffs..

[dx100uk]

surely you mean CCA requests not SAR?

 

 

are you sure its MBNA named on your charging order

and NO there shouldn't be ANY INTEREST unless the judgement allowed it

something smells here

[dx100uk]

its not a charging order though is it

its a restriction K

which ive talked about before

 

pers id stop paying that too.

theres no need

 

if companies that you sent CCA requests too have FAILED to responce in 12+2 WORKING days

you can stop payments too them.

 

that's why I said dump payplan totally

[dx100uk]

had to hide the attachment too

as you've not redacted it properly like the other one

we can still see your name address etc.

 

 

you say that came from an SAR to MBNA not the CCA request to the DCA?

[dx100uk]

what ever paperwork you get from the OC is immaterial

the DCA must comply with the CCa request

and by the looks of what MBNA has its bog roll.

 

 

got any penalty charge [£12] and PPI in those statements to reclaim?

 

 

dx

[dx100uk]

you're learning ....

[dx100uk]

optima don't appear to know theres any previous legal proceedings.?

but they are owned by cabot whom trade under the MFS names too...

 

why did you never defend the CCJ and how long ago was it.

 

this is a restriction K why are you even paying it?

 

what date is the restriction please

have you looked on LR to see exactly what it says?

 

^^^answer the above please

[dx100uk]

as I told you earlier

you don't have to pay anything..

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?480656-Restriction-of-sale-from-now-dissolved-company-(Sigma-SPV1)

 

and its been sold on

so cabot can go swivel too!!

 

MBNA took you too court and they got a CCJ

you should have defended the claim

 

as you bent over

they went for a CO on easy prey.

 

if you go read that thread ive linked

all is explained

[dx100uk]

https://www.consumeractiongroup.co.uk/forum/showthread.php?482074-Remortgage-issue&p=5069226&highlight=restriction#post5069226

also

[dx100uk]

what letter where they hinted at a full charge?

its a restriction k

it doesn't have to be paid

you got had...

 

 

mbna took you to court hence their name on the restriction

optima were simply their rep in court.

 

 

you do have a ccj and it was enforced by the restriction.

the fact it doesn't show is simply because its more than 6 yrs old

 

 

and its now been sold

so where is your money going

ever had a statement?

[dx100uk]

Read it properly..

It says judgement

 

Its a std letter

MBNA already have a judgement

They don't know what they a are talking about

Stop paying

 

Cabot MFS don't hold the restriction MBNA do

 

Being had

That money has gone in their pockets

 

Send MBNA an sar

[dx100uk]

the restriction is not in optima's clients name

cant demand anything

stop paying.....

[dx100uk]

probably this old thread?

Cabot/MFS/Optima ICO restriction k - old MBNA card debt - MBNA - Consumer Action Group

 

dx

 

[dx100uk]

threads merged.

its a restriction k so nothing they can really do.

 

its a begging letter wanting you to pay for their staffs new years party drinks bill.

 

dx

 

[dx100uk]

you should you've been here long enough...

 

them having or not, enforceable paperwork is pretty much immaterial - the old CCJ will trump that. 

 

as for paying anyone, they've done nowt in 2yrs and i can't see them being able to do anything now.

for point of ref..scan up the Mortimer letter to PDF please

read upload carefully..

[dx100uk]

MBNA years ago attained CCJ then latterly a CO which is infact a restriction k

therdebt along with the CCJ/CO was latterly sold to cabot

nothing mortimer can really do.

 

its a begging letter wanting you to donate to their staffs outstanding new years party drinks bill.

[dx100uk]

correct ignore.

[dx100uk]

read it properly..

doesn't say will anything 

 

i could instruct my dog to sit 

if it does is a totally different matter!!

 

it also says that no payments have been made - wrong you were paying this until recently

and again

it says our client obtained judgement in 2010...no they didn't, MBNA did, cabot purchased the debt with the CCJ/restriction k already in place...so cabot didn't obtain any judgements at all.

 

just shows you they havent a clue what they are talking about...

 

dx

 

 

[dx100uk]

On 14/10/2017 at 21:47, jasmineuk said:

The restriction on the documents from the Land Registry reads

 

" 24.1.2011 RESTRICTION: No disposition of the registered estate other than a disposition by the proprietor of any registered charge registered before the entry of this restriction, is to be registered without a certificate signed by the applicant for registration or their conveyancer that written notice of the disposition was given to MBNA XXXXXXXXXX at care of Optima Legal, Arndale House, Charles Street, Bradford BD1 1UN being the person with the benefit of an interim charging order on the beneficial interest of XXXXX (i.e. me) made by the XXXX County Court on 14 January 2011 (Court Reference xxxxx)"

 

I didn't think to challenge it as I was with Payplan at the time and they told me to go to Court.

 

Uncle Bulgaria67 above seems to think that I have no option to pay it?

 

 i think..

 

dx

[dx100uk]

On 23/03/2017 at 08:09, jasmineuk said:

MBNA have placed a charging order against my house this has been passed to Cabot.

 

Thank you.

 

dx

 

[dx100uk]

Pers id let this run.

noThing they can do.

its a std threat -o-gram

if they'd bothered to actually look at your situation theyd see you are on a pension and you cant have an AEO as you dont work.

 

Ignore