Fred Bassett v MBNA

[Fred Bassett]

I've never written to Wescot about this, at least not since Arrow took it over, but I did see them off when MBNA owned it. For the moment, I'm just going to play dumb and give Moorcroft the run around to see how heavy they get. So far on this account, I've seen off Iqor, AiG, Aegis and Wescot.

[citizenB]

Was it in Alphabetical order ?

 

Aegis

AiG

Iqor

Wescot

 

Or did they perhaps just stick a pin in a list

[Mulberry08]

Was it in Alphabetical order ?

 

Aegis

AiG

Iqor

Wescot

 

Or did they perhaps just stick a pin in a list

I have had the exact same letter this morning. I paid for a company called Credit Clear 2 years ago to take care of the sar request etc. I did get a copy of my agreement and CC said it was unenforceable but they are now asking for more money to act for me on a even though

I was told would never have to pay anymore. I refused to pay again but now getting worried about this action.

The account was opened in 2000! What do you think I should do?

[Fred Bassett]

I have had the exact same letter this morning. I paid for a company called Credit Clear 2 years ago to take care of the sar request etc. I did get a copy of my agreement and CC said it was unenforceable but they are now asking for more money to act for me on a even though

I was told would never have to pay anymore. I refused to pay again but now getting worried about this action.

The account was opened in 2000! What do you think I should do?

 

Best thing to do Mulberry is to start your own thread on this one - you'll get all the relevant advice.

 

Regards.

 

Fred

[cashins]

Was it in Alphabetical order ?

 

Aegis

AiG

Iqor

Wescot

 

Or did they perhaps just stick a pin in a list

 

Hmmmm.......

 

Mine went by:

 

Debt Clear Recovery & Investigations (MBNA)

Credit Solutions Ltd

Aegis

Restons

Wescot

 

and after some delay back to

 

Wescot - appointed by Global.

 

David

[Fred Bassett]

So yours went D C A R W, or as we all prefer to put it, DCAs R W anchors!

 

Fred

[cashins]

Hi Fred,

 

Didn't see that!!! Pretty accurate though

 

david

[Windywoo]

I've just had a letter from Debt Managers Ltd, when it was supposed to be Wescot, and, they're sending a doorstep collector all the way from Edinburgh!!

[sameagle]

There were a couple of famous bodysnatchers in Edinburgh, many years ago - Burke and Hare.

 

They'll be employing Burke, I expect.

 

Sam

[griffin036]

Windywoo - snap!

[spots1]

Got thread going about MBNA selling ours to Moorgate ! must have got the best deal as they have sent all letters and no probs atm as the amount is same as last statement from MBNA themselves and payment through dmp with no change requested

 

hope you all get sorted

[Fred Bassett]

I've just had a letter from Debt Managers Ltd, when it was supposed to be Wescot, and, they're sending a doorstep collector all the way from Edinburgh!!

 

That's a long way to go for somebody to tell you to get stuffed.

[spots1]

When are they due to arrive Fred ? ( probs won`t though ) .

[impecunious]

If they're coming all the way down from Edinburgh Fred, just ask them to bring down some sliced sausage, white pudding, haggis, McIntyres morning rolls and clouty dumpling .................. ooops and some macaroon bars!

 

Impecunious!

 

You can take the girl out of Edinburgh but ............................

[Fred Bassett]

It's not me they're after, it's Windywoo. In reality, they would probably find some local lackey to do it and I bet whoever that turns out to be doesn't have their heart in it - and that's if it even happens at all.

[Windywoo]

It's not me they're after, it's Windywoo. In reality, they would probably find some local lackey to do it and I bet whoever that turns out to be doesn't have their heart in it - and that's if it even happens at all.

 

Can't wait!!

[Fred Bassett]

Can't wait!!

 

Even from here I can tell that you're bricking it.

[robbo95]

i've been getting a lot of letters from DCA, I went off the rails about 18 months ago after a breakdown. I went on some what a blur which i am not proud of!

 

I took a load of pay day loans, maxed credit cards, overdrafts loans. I would say over 10,000 in total - not all at once.

 

I got my self sorted out and after 6 months i tried contacting some of them offering payment plans, a total of 9 creditors which i could spare 200 a month.

Most of them wanted more and would not stop the interest so my payments wouldn't go anywhere. I said i'll got to CAB and they said fine.

After a month or so, i went through a debt relief company and they tried again they would not freeze anything and my payments would go no where.

 

I told them to stick it and i've returned most of the post unopened. All the way through this i have been doing some research. DCA don't have the power to do anything, they can send who ever they like to the house but again they can't do anything unless informed by law.

You can revoke any invite to your property so they can be done of trespassing.

 

The biggest find was debt being sold, they act on the law of property 1925. However, they still don't have a leg to stand on and they will keep pushing you to make a new agreement with them which is then legally binding.

 

In T&C's it does state that the creditor may pass your debt to a DCA to chase this... "pass" is the key word.

For credit consumer rights act, there is no agreement between you and the purchaser of the debt. no signed contract, this does not always have to be the case but you have never agreed anything with that company or companies, no T&C's and all 3 parties need to have an interest in the debt

\what you will find on your credit report is that the original debt has been paid so they no longer hold an interest in you.

 

I have a lot of letters i have already used, if anyone would like me to post them i will

[creditman09]

i've been getting a lot of letters from DCA, I went off the rails about 18 months ago after a breakdown. I went on some what a blur which i am not proud of!

 

I took a load of pay day loans, maxed credit cards, overdrafts loans. I would say over 10,000 in total - not all at once.

 

I got my self sorted out and after 6 months i tried contacting some of them offering payment plans, a total of 9 creditors which i could spare 200 a month.

Most of them wanted more and would not stop the interest so my payments wouldn't go anywhere. I said i'll got to CAB and they said fine.

After a month or so, i went through a debt relief company and they tried again they would not freeze anything and my payments would go no where.

 

I told them to stick it and i've returned most of the post unopened. All the way through this i have been doing some research. DCA don't have the power to do anything, they can send who ever they like to the house but again they can't do anything unless informed by law.

You can revoke any invite to your property so they can be done of trespassing.

 

The biggest find was debt being sold, they act on the law of property 1925. However, they still don't have a leg to stand on and they will keep pushing you to make a new agreement with them which is then legally binding.

 

In T&C's it does state that the creditor may pass your debt to a DCA to chase this... "pass" is the key word.

For credit consumer rights act, there is no agreement between you and the purchaser of the debt. no signed contract, this does not always have to be the case but you have never agreed anything with that company or companies, no T&C's and all 3 parties need to have an interest in the debt

\what you will find on your credit report is that the original debt has been paid so they no longer hold an interest in you.

 

I have a lot of letters i have already used, if anyone would like me to post them i will

 

A good summary Robbo95, I think also it would be a good idea to post up your letters as it could well be use to many.

[ro284]

Hello robbo, This is very interesting and takes a bit of the sting and threat away, so there is every chance that stressed people may avoid a more serious illness!Yes please post any letters, Many thanks Ro

[Fred Bassett]

I actually had a call from Moorcroft today. I couldn't believe it - mainly because it came through on my hub phone and I've never given that number out to anyone. I refused to go through the security questions, but I did think long enough to ask the woman on the other end of the 'phone "does this mean your call is valid even if not listened to by me"? She didn't have a clue what I was talking about.

[ims21]

does this mean your call is valid even if not listened to by me"? She didn't have a clue what I was talking about.

 

like it!

[ro284]

So all things considered, my wife and i have been put at a huge loss over the years, by MBNA Stealing money from our accounts under the guise of PPI Now they have sold the resulting dept to moorgate, who have employed ( i gather ) Arden, who keep phoning and which we ignore! we are still paying MBNA the token payment they accepted, What advise in view of Robbo's post above would you give ? To keep paying MBNA and not enter into an agreement with Arden? We are a bit at a loss as to the best option, if we have one! We have yet to try and claim back PPI from MBNA, The damage they did by their irrisponsible behaviour has a huge knock on effect to any small business, yet this seems to be totally disregarded. Any advise please? i would have dearly liked to have seen copies of Robbo's letters, but he appears to not have been on line for sometime! regards Ro

Edited May 15, 2012 by ro284

[Fred Bassett]

Ro, best advice to be honest would be to start a separate thread on this. There are plenty of people on the forum who could advise you on PPI. Unfortunately, I'm not one of them!

 

Regards.

 

Fred

[ro284]

Sorry to jump in your thread Fred. Regards Ro