CCA for Egg/Barclaycard/PRA

[Roger]

It looks the they did white labelling with mine, looking at the old statements the paying slip says MBNA and the direct debits on my bank statement did too. I definitely didn't go into a branch (what's one of those? ) and I don't recall signing anything (but obviously I can't be sure as it was over 13 years ago).

I don't think I can do anything now except wait and see what happens next. Fortunately I've vastly improved my financial position over the last few years, down from 8 debts to 3 and this is the only one that has much of a chance of legal action so I'm not too bothered about employing JCS if necessary.

Silence is golden!

[Pat]

I think there have historically been some serious problems with MBNA. Of course yours is relatively recent but there is more than one way to skin a cat. Agreements can be UE for a whole host of reasons.

For what it’s worth, just try to make sure your files are in order, so letters and emails are collated and filed. That way at, if you do need to do homework it will be easier.

I am the worlds worst at what ifs so before I know it have a hundred plans. Deal with what you know.

[Sparkles]

I'm quite organised in that respect, I have all letters and emails filed together along with a set of most statments since 2010 (from when I made an affordability complaint).

I'll post updates if/when anything happens

[Sparkles]

Virgin(MBNA) / Virgin

• Type of account - Credit card
• Account owner - Virgin (Originally Virgin administered by MBNA, then moved to Virgin in March 2015)
• Date commenced - April 2010
• Approx balance - £8,500
• Date last 'full' payment - June 2021
• Arrangement - Not paying
• Status - Defaulted

• 25/6/21 - Affordability complaint sent to Virgin
• 24/8/21 - Response from Virgin - affordability complaint rejected
• 15/12/12 - Affordability complaint sent to FOS
• 19/2/22 - CCA request sent to Virgin
• 24/3/22 - £1 CCA request cheque cashed
• 13/8/22 - Letter from Virgin, your payment plan has been broken, please make repayments or we may have to issue default notice,
• 11/11/22 - Letter from Virgin about CCA request, they say they have enclosed the information they have at the moment and will send the rest as soon as possible.
• 18/12/22 - Complaint submitted to Virgin about failure to default account
• 12/2/23 - Letter from Virgin - they have raised a DSAR to provide a copy of the credit agreement.
• 1/3/23 - CCA received from Virgin, sent to Niddy to check - no reply
• 3/3/23 - Affordability complaint rejected by FOS
• 7/3/23 - Default complaint sent to FOS - over 8 weeks with no response
• 19/5/23 - Default date complaint rejected by Virgin
• 20/9/23 - Default notice received from Virgin
• 11/10/23 - Complaint about failure to default upheld by FOS - £250 compenstation refunded directly to my bank account.
• 14/10/23 - Account defaulted
• 7/11/23 - Notice of assignment recevied - sold to Intrum UK Finance Limited, being administered by Capquest and managed by Moorcroft.

This has now been sold to Intrum UK Finance Limited, are they still not authorised to bring claims?

[Roger]

@Sparkles

• 23/10/23 - Account defaulted
• 7/11/23 - Notice of assignment recevied - sold to Intrum UK Finance Limited, being administered by Capquest and managed by Moorcroft.

23/10/23 Is this the Date the Default Notice was issued or the last Date for avoiding Default?

For Intrum See
Sam Audley
15 March 2021
https://all-about-debt.co.uk/forum/d...ed#post1539265

[Sparkles]

I just noticed I had the date wrong (now corrected), 13th October was the last date for avoiding a default, and they sent a letter dated 14th October saying that they had terminated the agreement.

I'd seen posts about Intrum but I didn't know if they had rectified anything since then.

[Roger]

I just noticed I had the date wrong (now corrected), 13th October was the last date for avoiding a default, and they sent a letter dated 14th October saying that they had terminated the agreement.
I'd seen posts about Intrum but I didn't know if they had rectified anything since then.

".. sold to Intrum UK Finance Limited, being administered by Capquest and managed by Moorcroft. .."
So they have farmed it out!

For the moment the tactics are Silence because your Statute Bar clock has it seems just started you a re looking to Dec 2029.
See what they do next?

[Sparkles]

Virgin(MBNA) / Virgin

• Type of account - Credit card
• Account owner - Intrum UK Finance Ltd
• Date commenced - April 2010 (Originally Virgin administered by MBNA, then moved to Virgin in March 2015)
• Approx balance - £8,500
• Date last 'full' payment - June 2021
• Arrangement - Not paying
• Status - Defaulted

• 25/6/21 - Affordability complaint sent to Virgin
• 24/8/21 - Response from Virgin - affordability complaint rejected
• 15/12/12 - Affordability complaint sent to FOS
• 19/2/22 - CCA request sent to Virgin
• 24/3/22 - £1 CCA request cheque cashed
• 13/8/22 - Letter from Virgin, your payment plan has been broken, please make repayments or we may have to issue default notice,
• 11/11/22 - Letter from Virgin about CCA request, they say they have enclosed the information they have at the moment and will send the rest as soon as possible.
• 18/12/22 - Complaint submitted to Virgin about failure to default account
• 12/2/23 - Letter from Virgin - they have raised a DSAR to provide a copy of the credit agreement.
• 1/3/23 - CCA received from Virgin, sent to Niddy to check - no reply
• 3/3/23 - Affordability complaint rejected by FOS
• 7/3/23 - Default complaint sent to FOS - over 8 weeks with no response
• 19/5/23 - Default date complaint rejected by Virgin
• 20/9/23 - Default notice received from Virgin
• 11/10/23 - Complaint about failure to default upheld by FOS - £250 compenstation refunded directly to my bank account.
• 14/10/23 - Account defaulted
• 7/11/23 - Notice of assignment recevied - sold to Intrum UK Finance Limited, being administered by Capquest and managed by Moorcroft.
• 11/12/23 - Letter from Moorcroft, we've been unable to make contact with you, please contact us as soon as possible.
• 6/1/24 - Letter from Moorcroft, please contact us to arrange payment plan
• 20/1/24 - Letter from Moorcroft, please contact us - repayment plan or discount is available.
• 3/2/24 - Letter from Moorcroft, we may be able to offer a discount, please contact us.
• 12/2/24 - Letter from Moorcroft - 30% discount offer.

Hmm, a 30% discount offer already.

[Sparkles]

Virgin(MBNA) / Virgin

• Type of account - Credit card
• Account owner - Intrum UK Finance Ltd
• Date commenced - April 2010 (Originally Virgin administered by MBNA, then moved to Virgin in March 2015)
• Approx balance - £8,500
• Date last 'full' payment - June 2021
• Arrangement - Not paying
• Status - Defaulted

• 25/6/21 - Affordability complaint sent to Virgin
• 24/8/21 - Response from Virgin - affordability complaint rejected
• 15/12/12 - Affordability complaint sent to FOS
• 19/2/22 - CCA request sent to Virgin
• 24/3/22 - £1 CCA request cheque cashed
• 13/8/22 - Letter from Virgin, your payment plan has been broken, please make repayments or we may have to issue default notice,
• 11/11/22 - Letter from Virgin about CCA request, they say they have enclosed the information they have at the moment and will send the rest as soon as possible.
• 18/12/22 - Complaint submitted to Virgin about failure to default account
• 12/2/23 - Letter from Virgin - they have raised a DSAR to provide a copy of the credit agreement.
• 1/3/23 - CCA received from Virgin, sent to Niddy to check - no reply
• 3/3/23 - Affordability complaint rejected by FOS
• 7/3/23 - Default complaint sent to FOS - over 8 weeks with no response
• 19/5/23 - Default date complaint rejected by Virgin
• 20/9/23 - Default notice received from Virgin
• 11/10/23 - Complaint about failure to default upheld by FOS - £250 compenstation refunded directly to my bank account.
• 14/10/23 - Account defaulted
• 7/11/23 - Notice of assignment recevied - sold to Intrum UK Finance Limited, being administered by Capquest and managed by Moorcroft.
• 11/12/23 - Letter from Moorcroft, we've been unable to make contact with you, please contact us as soon as possible.
• 6/1/24 - Letter from Moorcroft, please contact us to arrange payment plan
• 20/1/24 - Letter from Moorcroft, please contact us - repayment plan or discount is available.
• 3/2/24 - Letter from Moorcroft, we may be able to offer a discount, please contact us.
• 12/2/24 - Letter from Moorcroft - 30% discount offer.
• 16/2/24 - Letter from Moorcroft, please contact us or debt may be returned to our client.
• 4/7/24 - Text message from Resolvecall, please contact us to prevent a home visit

This has been passed to Resolvecall now, I assume I should just continue ignoring unless I get an LBA?

[Roger]

This has been passed to Resolvecall now, I assume I should just continue ignoring unless I get an LBA?

Yes
Have you chased up Niddy over the CCA?
Also are you watching the CRA's if so when was the Account first reported?

AS you probable know Intrum UK Finance Limited may well have issues!
https://all-about-debt.co.uk/forum/d...22#post1549298

[Sparkles]

I did send it to him again but I didn't get a reply. I wasn't sure how active he was now, especially given the number of spam posts that haven't been deleted. It's an MBNA CCA rather than a Virgin one, I don't know if that makes any difference.

The CRAs say started April 2010, and Intrum have been reporting it since February 2024.

I've seen the posts about Intrum which is good to know.

[Roger]

I did send it to him again but I didn't get a reply. I wasn't sure how active he was now, especially given the number of spam posts that haven't been deleted. It's an MBNA CCA rather than a Virgin one, I don't know if that makes any difference.

The CRAs say started April 2010, and Intrum have been reporting it since February 2024.

I've seen the posts about Intrum which is good to know.

The CRA's shouldn't be reporting the same Debt for more than 6 years. So this should have dropped off 2016.

That's curious about Virgin not actually having the CCA and their having to DSAR to MBNA.
(Originally Virgin administered by MBNA, then moved to Virgin in March 2015) What does moved mean if not Assigned?

If MBNA were Virgin's agents then Virgin should have the CCA shouldn't they. Its almost as if Virgin were MBNA's Agents!
The issue over the Default Notice for instance may be because the CCA was MBNA's!
Don't know but makes you think doesn't it!

If and when you need Legal Advice these details could be very important.
I should chase Never-In-Doubt up about the CCA!
For now say or do nothing to restart the Statute Bar clock!
Intrum are very unlikely to know anything about the History behind this WE DON'T WANT TO WARN THEM!

NOT NOW but something to think about is to send Virgin a DSAR!!!

For now silence !!

[Sparkles]

I have a lot of old statements going back to 2010, I'll keep them in case they contain anything useful should I need legal advice.

I did think about sending Virgin a DSAR but I'll hold fire for now. In hindsight I was probably a bit hasty with the CCA request, but I was new to AAD at the time.

[Roger]

I have a lot of old statements going back to 2010, I'll keep them in case they contain anything useful should I need legal advice.

I did think about sending Virgin a DSAR but I'll hold fire for now. In hindsight I was probably a bit hasty with the CCA request, but I was new to AAD at the time.

I made some stupid mistakes before coming to AAD.
Yes with hindsight!
BUT 2/2/23 - Letter from Virgin - they have raised a DSAR to provide a copy of the credit agreement.
Safe guard that Letter !!!

[Dottir]

Here is an interesting thought
if you get a call response it should be MBNA and the default notice would be Virgin but only if there is a compliant notice of assignment. If no notice of assignment is received it would be MBNA.

Dont beat yourself up about sending the CCA request, what have they replied with, what name’s at the top? - I had this with one credit card and they did not default it until I went to token payments.

Remember a cca request should include the agreement with terms and conditions at inception , terms and conditions at defaults - that might be interesting as Virgin defaulted you. It should also include a statement of account.

If you read both myself and Nightwatch have had resolvecall threats. NW has said noting has happened and mine is now with the FOS