myself v MBNA advice please

[Never-In-Doubt]

Re: myself v MBNA advice please

dude this is a £500 debt. Tell them to get fucked!

However, as it is so small I am inclined to agree, just get it paid off - offer them a fiver if you want to, or ignore it. I know what I'd do - it'll cost more than the debt to pursue this in court - if they do then they ought to be brought to charge for breach of process and rushing through unnecessary claims, i.e. direct breach to the CPR.

makes me mad - however, it's your call. If I was you i'd ignore them and if they issue a claim then I'd just make an offer of like £200 to settle it!

[davidm]

Re: myself v MBNA advice please

ok niddy thanks for the advice ,when you say issue a claim what does that mean ??

[Never-In-Doubt]

Re: myself v MBNA advice please

ok niddy thanks for the advice ,when you say issue a claim what does that mean ??

read the letter!

They 'may' issue proceedings/court whatever you wish to call it (a claim)......

[davidm]

Re: myself v MBNA advice please

if i ignore it and they do go that route will i still be able to offer a monthly payment,before going to court ,i would like to see how far they will go for a £500 debt ,
i would like to take your advice and ignore them .

[Never-In-Doubt]

Re: myself v MBNA advice please

if i ignore it and they do go that route will i still be able to offer a monthly payment,before going to court ,i would like to see how far they will go for a £500 debt ,
i would like to take your advice and ignore them .

yea you can settle it at the point you got served the claim form - obviously if it got that far then you'd need to be going down the "i'll pay you £X per month to settle".......

Its a small debt, don't stress. MBNA have £20k debtors on here that have not yet been taken to court, now that said never compare accounts but still - if they do try it on over £500 then seriously, they need a slap.

[davidm]

Re: myself v MBNA advice please

ok niddy thanks for your time and advice ,will wait and see what happens

[SXGuy]

Re: myself v MBNA advice please

if they take you to court for £500, we will all have a whip round and pay it for you LOL seriously, i cant see it happening.

[davidm]

Re: myself v MBNA advice please

email sent niddy

[Never-In-Doubt]

Re: myself v MBNA advice please

email sent niddy

these are blank application forms that you sent aren't they?

if so they're obviously unenforceable.....

[davidm]

Re: myself v MBNA advice please

these are blank application forms that you sent aren't they?

if so they're obviously unenforceable.....

i photographed them as they sent them i thought there was no sigs on one of them shall i send the failed letter ????

[Deepie]

Re: myself v MBNA advice please

i photographed them as they sent them i thought there was no sigs on one of them shall i send the failed letter ????

Send one of these------

• CCA Query - Missing Prescribed Terms
• CCA Query - Application Form Received

[davidm]

Re: myself v MBNA advice please

Send one of these------

• CCA Query - Missing Prescribed Terms
• CCA Query - Application Form Received

think the 2nd one is better .

[davidm]

Re: myself v MBNA advice please

ok sent the second letter

[davidm]

Re: myself v MBNA advice please

email sent niddy

[davidm]

Re: myself v MBNA advice please

just got this today what does it mean ???