CCAresponse from MBNA / Abbey National - is this enforceable>

[Pixie]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

Hello everyone

Quick update from me - no correspondence received from anyone regarding this debt for months now. However, I have just checked on Noddle and the account is showing with PRA Group and was defaulted. This was marked in June 2016. I guess we continue to sit tight and wait for them to make their next move.

Yes, just sit tight and wait for them to make their next move.

This is such a learning curve - as I have said previously, I would never have believe you could ignore/not pay a debt for so long and absolutely nothing happens. I guess things are happening with PRA but it's all quiet on the home front here regarding this debt.

Jan x

It really is a learning curve. I'm just really glad that I decided to go the UE route six years ago. At that time, six years (to get to SB) seemed so far away but it's come around quickly enough.

It's a case of knowing when to ignore and when to reply to letters. Just post up here and we'll help you.

[January2015]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

Hello everyone

Quick update from me - no correspondence received from anyone regarding this debt for months now. However, I have just checked on Noddle and the account is showing with PRA Group and was defaulted. This was marked in June 2016. I guess we continue to sit tight and wait for them to make their next move.

This is such a learning curve - as I have said previously, I would never have believe you could ignore/not pay a debt for so long and absolutely nothing happens. I guess things are happening with PRA but it's all quiet on the home front here regarding this debt.

Jan x

[January2015]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

Thank you - Nanna58, BuzzyBee and Niddy. Apologies for the delay in getting back to read this post - life interrupted and I just haven't had a chance to get back onto the site until now.

[Never-In-Doubt]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

Regardless if they follow protocol or not, I'd not overly worry. What will be will be and you have us up your sleeve - they don't

[BuzzyBee]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

Hello everyone

Absolutely nothing to update. I suppose no news is good news in this instance.

What amazes me is that I can make no payments to this debt for six months and I am not bombarded with letters, call, threats etc. It is just eerily silent. Feels very strange.

It's not unheard of, creditors tend to be more active in the early stages after you default. I've not heard from a couple of mine for over four years and another one only when it got sold six years after defaulting.

Anyway, I wanted to ask a question to reassure myself on the potential route this may take. If PRAT Group decide we are ignorning them, will they have to write to us BEFORE initiating any formal type of legal action to recover this debt?

My sensible head is telling me they would have to send some form of notice before action, my worrying head is telling me they will just send the court paperwork.

Thanks for your advice - as always, it is very much appreciated.

They would have to send a letter before action to comply with the protocols. In the past, many claimants skipped this step but these days, they all seem to be sending them. Or maybe people did receive the LBAs but mistook them for generic threats.

[nanna58]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

Hiya , they should contact you first ,about payments etc quite right ,just sit tight till they do make contact then let us know.xxx

[January2015]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

Hello everyone

Absolutely nothing to update. I suppose no news is good news in this instance.

What amazes me is that I can make no payments to this debt for six months and I am not bombarded with letters, call, threats etc. It is just eerily silent. Feels very strange.

Anyway, I wanted to ask a question to reassure myself on the potential route this may take. If PRAT Group decide we are ignorning them, will they have to write to us BEFORE initiating any formal type of legal action to recover this debt?

My sensible head is telling me they would have to send some form of notice before action, my worrying head is telling me they will just send the court paperwork.

Thanks for your advice - as always, it is very much appreciated.

[PlanB]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

Debt is +£11k.

Thanks for the update.

It's useful to know what may/may not motivate them to take things to the next level.

At the moment you are dealing with PRA not their solicitors or their in-house legal team.

Unless there was a legal threat in their latest letter I see no reason for you to respond to their lousy offer

Plan B x

[January2015]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

Your next move is to do nothing.

They'll write again so tell us what that one says.

How much is this debt?

Plan B x

Hi

Debt is +£11k.

[PlanB]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

What's my next move?

Your next move is to do nothing.

They'll write again so tell us what that one says.

How much is this debt?

Plan B x

[January2015]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

Hi

Apologies for not updating. I sent back the missing PT letter. Received letter back saying 'oh yes' we should have sent you statements on headed paper - account on hold until we send them. They then sent pages of the account on headed paper. Then a letter saying please contact to organise payment. Today a letter asking us to contact as they will offer a full and final settlement figure. Figure offered is about 90% of outstanding balance.

What's my next move?

Thanks for all the help - I don't post much but do very much appreciate all the advice and support.

[January2015]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

In the interests of balance I'd also like to point out the internet acronyms for DW's (dearest wives)

Dappy W
Despicable W
Dastardly W
Degernerate W
DFNUW (Dead from neck up)

But my favourite (and one I am very fortunate and consider myself extremely lucky to be with)

DDGW (drop dead gorgeous)

Phewww!!! You reprieved yourself with the last definition

[SaltnVinegar]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

In the interests of balance I'd also like to point out the internet acronyms for DW's (dearest wives)

Dappy W
Despicable W
Dastardly W
Degernerate W
DFNUW (Dead from neck up)

But my favourite (and one I am very fortunate and consider myself extremely lucky to be with)

DDGW (drop dead gorgeous)

[PlanB]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

Sorry to sound daft but what does "DH" stand for?

Dear or Darling Husband.

I've never had one of those (a dear/darling husband).

Although I did divorce a sh*t husband so maybe I should refer to him as SH in cyberspace lingo

DH is Dear Husband (although in my case it's more like Daft Husband, but I like to pretend to be nice to him occasionally)

I feel a whole new thread coming on Move over Mumsnet!

In the meantime I'll keep a close eye on your legal situation with PRA.

Plan B x

[January2015]

Re: CCAresponse from MBNA / Abbey National - is this enforceable>

Sorry to sound daft but what does "DH" stand for?

Do you need to send PRA a letter tomorrow and if so let's think carefully as to what you should say/convey to them.

Let's not miss an opportunity to stitch them up with a solid paper trail because sadly PRA are very litigious. Every letter you send has the potential to end up in front of a Judge. Good.

Let's give this some thought

Plan B x

I'm more than happy to wait for some advice on what to send back. And yes......DH is Dear Husband (although in my case it's more like Daft Husband, but I like to pretend to be nice to him occasionally )