MBNA Card Debt with old CCJ - sold to Arrows - now Resolvecall letter

[RachelJones001]

This is going to get complicated so trying to keep it simple.

I had an old credit card debt I couldnt pay due to loss of income, the last payment would have been around 2012.

MNBA took me to court in 2015 or maybe 2017 and the court said the debt was owing BUT couldnt order any repayments due to legal issues I had at the time that prevented it.
Basically MBNA got the court order but it couldnt be enforced.

 

Today I received a letter from Resolva demanding payment of the debt which is just under £5,000.

I never heard anything from anyone till today.

 

Can this debt still be enforced due to the time limit - is it statue barred or does having an unenforceable court order make any difference to the time for statue barring (6 years)?
I have just written back to them and asked for proof of the debt to see what they say. 

 

[RachelJones001]

MBNA did the 6 years of destroying my credit record and this finished a few years ago I assume the same debt cannot be added back onto my credit file just because its sold to another company?

 

[dx100uk]

You dont mean resolvecall do you?

 

the debt would need to have been sold on for resolvecall to get involved.

who are their stated client?

scan the letter to pdf please after reading upload carefully.

 

is the ccj still showing on your credit file too please?

 

Dx

[RachelJones001]

Sorry typo its is resolvecall - letter attached.
There is nothing on my credit file any more, its all good. The CCJ was never put on it just kept recording the credit card as not receiving payment.
I have had nothing from MBNA since the court hearing, no chasing letter, nothing.
 

 

Ltr from Resolvecall redacted.pdf

Edited November 24, 2021 by dx100uk
Add info. redacted pdf done

[dx100uk]

the debt has been sold by mbna to arrows dca

they have asked another dca that collects doorsteps to see if they want go collect yours.

 

Carefully note two things.

1. They dont mention any ccj as they know outside of 6yrs its virtually impossible for a debt buyer to enforce a ccj as they would havw to return to court and the judge would say..youve had 6yrs..bugger off.

 

2. A DCA is not a BAILIFF

and has

ZERO legal powers on ANY debt no matter what its type and regardless to there being a CCJ.

 

You should have ignored the fleecers!!

 

One quick question to end..the address on the ccj is your current address? Ie not moved since?

[RachelJones001]

The CCJ was at a different address some 6 years ago, I have been here 3 years.

As a court order was made but no payment terms were is that still enforceable by law?
Probably 2015 since the court order was made.

Edited November 24, 2021 by RachelJones001
Add info.

[dx100uk]

Re reported post

put your new pdf up here and ill swap them pdf now done for you.

 

So.. You have already written to resolvecall stating/from your new address? If you have then that will protect you from any backdoor attempts arrows might have taken to scam a court into enforcement, they cant now.

 

If if if resolvecall do turn up to collect your doorstep, do not engage film them on your phone, state foe them to leave your property and never to return else police101 time. They have zero legal powers as stated already.

Job done.

 

All sorted.

 

Dx

[RachelJones001]

Thank you so much for the help.

My concern is if it is the debt where the court order was issued but not enforced is it true there is no time limit on that ie six year statue barred doent count, so I can be chased for life to repay it?  That is quite worrying for me. 

If the Court order was given to MBNA call they "sell" it to Resolvecall or do Resolvecall have to go to court themselves to get their own court order?

Edited November 25, 2021 by RachelJones001
Typo

[dx100uk]

please read my posts to date carefully

 

the debt has been sold to arrows , read the resolvecall letter it says our client xxx...they simply are a chaser not a buyer.

 

i have already answered the CCJ situation earlier.

 

dx

 

 

[AndyOrch]

Quote

MNBA (Arrow) took me to court in 2015 or maybe 2017 

 

If you can clarify exactly with a copy of the judgment then we can confirm if its passed 6 years and what options are open to the judgment creditor.

[RachelJones001]

Unfortunately I thought this was all done and dusted so no longer have the paperwork.  I sent them a letter saying I dont recognise the debt in the hope they may send me a copy.  I have no paperwork left at all.