myself v MBNA advice please

[davidm]

Re: myself v MBNA advice please

ok sent the swid last week and got this back today ,i digitally signed the swid .shall i sign this but in a different way ???

[davidm]

Re: myself v MBNA advice please

have sent off the SWID will see what they reply with

[davidm]

Re: myself v MBNA advice please

As deepie previously asked, can you also tell us how long until this debt is due to become statute barred i.e when was your last payment to MBNA or Hillesden or to anybody?

Plan B x

must have been late 2011 not sure will try and find out
i wrote to mbna in dec 2011 explaining my situation and asking for a payment plan which i didnt get so my last payment must have been late 2011

that was when i joined this site for help

[PlanB]

Re: myself v MBNA advice please

how long until SB ?

As deepie previously asked, can you also tell us how long until this debt is due to become statute barred i.e when was your last payment to MBNA or Hillesden or to anybody?

Plan B x

[MrsD]

Re: myself v MBNA advice please

I think you should get the SWID and harassment off quicksmart. How long since you last paid anything to it?

Don't think you are at the giving in and paying stage yet. so I would wait ant see what comes back from your SWID and harassment

[davidm]

Re: myself v MBNA advice please

how long until SB ?

date on the letter is 25th nov 2015

[davidm]

Re: myself v MBNA advice please

Based on the above the SWID letter may well be best since this is the first letter you have received from Restons.

However, when did you last send a CCA to Hillesden/dlc? Niddy's post saying the CCA was enforceable was in March 2012 so I presume your last and only CCA was sent in early 2012?

Once we know that we can make a suggestion on your next move.

That dlc "letter" is in fact a Notice of Sums in Arrears (s.86) which they must send you annually.

Did you ever get a DN from MBNA for this account?

Plan B x

i sent the cca in febuary 2012 to mbna/hillsden i got this back in march 2012,no DN was ever sent.thanks Plan B for your help
will post the SWID letter tomorrow

[PlanB]

Re: myself v MBNA advice please

got the dlc letter in the week and today got this RESTONS letter ,i have a sold in dispute letter ready to post and a phone harrasement one ,whats the next move on the restons letter the have given me a date to pay or else ?

Based on the above the SWID letter may well be best since this is the first letter you have received from Restons.

However, when did you last send a CCA to Hillesden/dlc? Niddy's post saying the CCA was enforceable was in March 2012 so I presume your last and only CCA was sent in early 2012?

Once we know that we can make a suggestion on your next move.

That dlc "letter" is in fact a Notice of Sums in Arrears (s.86) which they must send you annually.

Did you ever get a DN from MBNA for this account?

Plan B x

[Deepie]

Re: myself v MBNA advice please

so should i just wait and see what they send next or should i respond with something

how long until SB ?

[davidm]

Re: myself v MBNA advice please

so should i just wait and see what they send next or should i respond with something

[PlanB]

Re: myself v MBNA advice please

,this thread is all about the mbna debt ,the £598 one

I was confused because your thread starts off discussing three different MBNA credit cards when I went back to look for the history of this particular debt being chased by Restons solicitors. At that time (your first post) at least two of them were sold to Hillesden (dlc).

I wanted to be sure I'm looking at the correct information without the need to scroll through the whole thread to sift out some posts and ignore others.

It's not important. If you do get a claim then we'll leap to the rescue.

i have been writing to mbna asking for reduced payments on my three accounts with them . . .

so today i recieve a letter saying they are passing account 2 to a dca HILLESDEN SECURITIES

Plan B x

[davidm]

Re: myself v MBNA advice please

Not necessarily because there's more than one way for a claim (which you've not yet got) to fail apart from s.78/s.61.

The default notice and other statutory notices can be flawed or absent altogether. The deed of assignment is also terribly important not just the NOA.

Can you copy/repost the whole history of this debt in a separate up-to-date post so we can look at the story so far. It makes life easier for us.

Plan B x

,this thread is all about the mbna debt ,the £598 one ,havent heard anything regarding the other one.everything i recieved is posted on this thread .
thanks plan b

- - - Updated - - -

agree with Deepie, blag for all your worth

not quite sure what to blag with any help would be great

- - - Updated - - -

[MrsD]

Re: myself v MBNA advice please

agree with Deepie, blag for all your worth

[Deepie]

Re: myself v MBNA advice please

just keep blagging it ..........

[PlanB]

Re: myself v MBNA advice please

looks like im gonna have to pay

Not necessarily because there's more than one way for a claim (which you've not yet got) to fail apart from s.78/s.61.

The default notice and other statutory notices can be flawed or absent altogether. The deed of assignment is also terribly important not just the NOA.

Can you copy/repost the whole history of this debt in a separate up-to-date post so we can look at the story so far. It makes life easier for us.

Plan B x