Legal Proceedings to be issued - MBNA

[allwornout]

Re: Legal Proceedings to be issued - MBNA

Hi thanks for your reply



What was the date on that solicitor's letter(s) on behalf of PRA (the new name for Aktiv Kapital) and did it/they give you a deadline to respond?

The letters are dated 31/12/14 with a demand for reply within 14 days (we didn't get letters until 06/01/15

You say they came from a "local solicitor" so can you tell us the name since we know most of the law firms used by creditors.

McManus Kearney, Belfast

You've said both you and your husband got solicitors' letters, were they both saying the same thing albeit for different credit cards? We may need to refer to them as Card 1, Card 2 and Card 3 for the moment, although later we will want a separate post for each one with lots more detail and background.

Husband x 1 CC and Me x 2 CC (three in total, each with a separate letter

These were originally MBNA products. Were they sold direct to PRA (AK) or were they sold to Varde managed by Experto Credite (the DCA for Varde) first who then sold a whole portfolio of these debts to PRA (I've got two with them at the moment)?

I think they were sold direct to PRA - I dont recall getting any correspondance from Varde or Experto Credite


Many thanks again
AWO

[PlanB]

Re: Legal Proceedings to be issued - MBNA

Hello allwornout and to AAD

A few questions before we go any further.

What was the date on that solicitor's letter(s) on behalf of PRA (the new name for Aktiv Kapital) and did it/they give you a deadline to respond?

You say they came from a "local solicitor" so can you tell us the name since we know most of the law firms used by creditors.

You've said both you and your husband got solicitors' letters, were they both saying the same thing albeit for different credit cards? We may need to refer to them as Card 1, Card 2 and Card 3 for the moment, although later we will want a separate post for each one with lots more detail and background.

These were originally MBNA products. Were they sold direct to PRA (AK) or were they sold to Varde managed by Experto Credite (the DCA for Varde) first who then sold a whole portfolio of these debts to PRA (I've got two with them at the moment)?

It's a Sunday which means not many of us are around on the forum so don't worry if you don't get a rapid response. We need to know the seriousness (or not) of the situation before we can suggest the next step.

PlanB xx

[allwornout]

Hi

My husband and I received letters for local solicitor acting on behalf of PRA Group (UK) Ltd demanding payment for MBNA credit cards x 3 (total debt = 8.5k)

Income/Expenditure form attached for completion.

Threatening legal proceedings will be issued without further notice or warning.

Not really sure how to manage this, any advice would be most welcome

Kind Regards
All Worn Out