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Link and old MBNA Card debt been paying £2PCM for years.


schwetta
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Hi, I have a old defaulted credit card with MBNA. It's dropped off credit report now, I and making £2 payment towards Link Financial, last payment Aug 22. 


Still learning - but I believe this debt is covered by the Consumer Credit Act so will be sending CCA request to Link Financial

 

Do let me know if you think otherwise,

 

Thanks in advance for your time on this...really appreciate it!!

 

MBNA Card £6,995
owner – Link Financial
Status – DefaultED 30 Mar 2013
Account Start Date – Jan 2009

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:rockon:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

MBNA response 20 Sep 22_Redacted.pdf

 

Now that's a clear win vs 9 years of stress over 7k with MBNA whew!!

 

Link Financial responded with:

 

"Unfortunately, the original creditor has confirmed that they are currently unable to complete with your request within the 12-day initial timeframe. Although the account is currently unenforceable the outstanding balance remains collectable and it is acceptable for creditors to register and continue the reporting of a default."

 

Default meh... been there done that.

 

Thank you thank you thank you universe, and everyone who has helped me here at CAG.

 

 

 

 

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  • dx100uk changed the title to Link and old MBNA Card debt been paying £2PCM for years.

ruddy fleecers!!

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Unfortunately, received a letter from Link Financial saying they have found the agreement - wanted to check here if this is the agreement, and if so, what should be my next steps? Do I have to settle this amount?

 

What looks like the signed CCA...

 

and some more legalese with the CCA.... :(

CCA return.pdf

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looks to be all there .

i wouldn't worry too much.

 

poss restart payments unless you know of a reason not too.?

shame you didnt do this in 2014!!

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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