Barney's unenforceable MBNA thread

[Barney]

Re: Barney's unenforceable MBNA thread

brilliant news

Thanks Spent2much. Yes I thought so too!

Have been reading your threads too and hopefully I will be able to return the same sentiment soon!

As you have discovered already, this site and its wonderful people are an absolute Godsend!

[Spent2much]

Re: Barney's unenforceable MBNA thread

Thanks Spent2much. Yes I thought so too!

Have been reading your threads too and hopefully I will be able to return the same sentiment soon!

As you have discovered already, this site and its wonderful people are an absolute Godsend!

thank you , you are right there this place is a Godsend and that is why i feel confident now i was so unsure when i first read the UE route but seeing your thread has boosted me up , so now we shall see when mine come back

[jet set willy]

Re: Barney's unenforceable MBNA thread

Thats great Barney, believe me, your good news today is good news for a few of us with old mbna account too lol.

Go and have a cheeky beer haha

[Pixie]

Re: Barney's unenforceable MBNA thread

Great news

[vint1954]

Re: Barney's unenforceable MBNA thread

It is unusal for MBNA not to be able to supply something.

It's usually a corn flakes packet if they have nothing else!. Enforcable of course.

Well done Barney.

[Never-In-Doubt]

Re: Barney's unenforceable MBNA thread

Told ya they shat themselves mate. Well done.

See how we twist it from defeat to victory - juss loike thart!! Lol

Well done.

* keep that letter safe.

[The Tech Clerk]

Re: Barney's unenforceable MBNA thread

Like a CCA to the O.H. after a very long time, strange, had a siggy on it (hers),(not that they would paste/copy) ? but nothing else just name/address, they are very clever people since the originator was another company, which eventually was admitted in further correspondence from DCA, also no CCA was remembered/seen as I showed O.H. who asked what it was, as the card was a points card as per telephone call, which after a while realised by O.H. which turned out to be a credit card earning points for holidays etc.

[Barney]

Re: Barney's unenforceable MBNA thread

Great news Barney

Welcome to the MBNA Have Lost It Club!

Couldn't find it in 2009 (when I originally sent a s78 CCA letter) and still can't supply it now!

It is unusal for MBNA not to be able to supply something.

It's usually a corn flakes packet if they have nothing else!. Enforcable of course.

Well done Barney.

Told ya they shat themselves mate. Well done.

See how we twist it from defeat to victory - juss loike thart!! Lol

Well done.

* keep that letter safe.

Will do Niddy - letter already safely filed away!

Thanks again mate.

[Barney]

Re: Barney's unenforceable MBNA thread

Well what do you know? It's been all quiet on the western front for almost two and a half years (July 2012) since I last heard anything on this one and then a couple of weeks ago a letter lands from Aktive Krapital advising that they have changed their name to PRA .. oh and, almost as an aside: "oh by the way your outstanding balance is £2x,xxx, but if you pay off by 30 November here's a voucher for a reduction of up to £1x,xxx meaning you could pay off for only £8,xxx" ... The reduction being a huge 66% off!!

Needless to say I ignored the letter.

Further letter received yesterday from PRA - again ultra friendly " Be debt free for 2015!" - same offer but now extended until 31 December 2014.

The last I heard on this debt was when Buchanan Clark Wells (acting for AK) replied in July 2012 that they had referred back to AK who "could not provide the documentation you require at this time". Letter still filed away safely!

This debt should be SB in around 12 months time, (Dec 2015/Jan 2016) so I guess this is the start of their "last hurrah!".

I'm tempted to continue to ignore until any threats emerge in future letters, or do those with much more experience than me feel that I should I be responding at this stage with a copy of BCW's letter from 2012 perhaps with a "sold whilst in dispute" letter?

Many thanks in advance.

Barney

[SaltnVinegar]

Re: Barney's unenforceable MBNA thread

Well what do you know? It's been all quiet on the western front for almost two and a half years (July 2012) since I last heard anything on this one and then a couple of weeks ago a letter lands from Aktive Krapital advising that they have changed their name to PRA .. oh and, almost as an aside: "oh by the way your outstanding balance is £2x,xxx, but if you pay off by 30 November here's a voucher for a reduction of up to £1x,xxx meaning you could pay off for only £8,xxx" ... The reduction being a huge 66% off!!

Needless to say I ignored the letter.

Further letter received yesterday from PRA - again ultra friendly " Be debt free for 2015!" - same offer but now extended until 31 December 2014.

The last I heard on this debt was when Buchanan Clark Wells (acting for AK) replied in July 2012 that they had referred back to AK who "could not provide the documentation you require at this time". Letter still filed away safely!

This debt should be SB in around 12 months time, (Dec 2015/Jan 2016) so I guess this is the start of their "last hurrah!".

I'm tempted to continue to ignore until any threats emerge in future letters, or do those with much more experience than me feel that I should I be responding at this stage with a copy of BCW's letter from 2012 perhaps with a "sold whilst in dispute" letter?

Many thanks in advance.

Barney

Personally I would be tempted to ignore until a more serious threat-o-gram is received, wouldn't want to pop your head above the parapet so close to being SB unless its really necessary.

[ScabHunter]

Re: Barney's unenforceable MBNA thread

Seconded.

While they are offering 66% discounts, they are in “silly bugger mode.” I know it is difficult, but the best strategy at this stage is to wait until they come out of that mode before engaging them.

They would hardly be throwing a five figure sum down the toilet if they were confident of obtaining and enforcing a court judgment.

SH

[Barney]

Re: Barney's unenforceable MBNA thread

Personally I would be tempted to ignore until a more serious threat-o-gram is received, wouldn't want to pop your head above the parapet so close to being SB unless its really necessary.

Thanks for the reply S'n'V, very much appreciated - I think so too. It's good to get a more experienced opinion.

I'm sure this won't be the last I'll hear from them, but the longer I can delay them the better! This could be a l-o-n-g 12 months before it's SB!

Thanks again.

Barney

[Barney]

Re: Barney's unenforceable MBNA thread

Seconded.

While they are offering 66% discounts, they are in “silly bugger mode.” I know it is difficult, but the best strategy at this stage is to wait until they come out of that mode before engaging them.

They would hardly be throwing a five figure sum down the toilet if they were confident of obtaining and enforcing a court judgment.

SH

Thanks also SH for the reassurance - I just missed your post as I was replying to SnV.

Cheers!

Barney

[Barney]

Re: Barney's unenforceable MBNA thread

Thanks also SH for the reassurance - I just missed your post as I was replying to SnV.

Cheers!

Barney

"
Just by way of update:

Appear to be still in "silly buggers" mode as ScabHunter so eloquently put it.

Keep getting the same letter re-hashed each month (think it is 5 of them to date!)... although the latest is offering a slightly reduced discount of around 60% instead of 66%. Perhaps hoping that I will panic that their "generous discount" is being gradually reduced if I don't act quick!

I'll keep ignoring for the time being me thinks.

[Pixie]

Re: Barney's unenforceable MBNA thread

"


I'll keep ignoring for the time being me thinks.

I think that's a good idea

Thanks for the update.