CCAresponse from MBNA / Abbey National - is this enforceable>

[nanna58]

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

It's a great win, well done xx

[January2015]

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

Final, unexpected, update from me. Letter received from PRAT to confirm the "credit file will be updated accordingly to reflect that Settlement in Full was paid". We were expecting either Partially Satisfied or Satisfied - but are over the moon that it will show it was settled in full. Doesn't make much difference as we have a bunch of other accounts defaulted and being paid through a DMP - but it feels like a small win!

Once again - thanks to everyone here for the support and advice.

[cymruambyth]

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

It's good to hear that you have achieved a result that suits your situation. Well done

[Pixie]

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

Great news!!

[nightwatch]

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

YEAHHHHHHH, nice one, good news on April fools day xx

[January2015]

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

Hi all

Just wanted to thank you for all the help and advice. We've now settled for 10% of the outstanding balance. It's put's the matter to bed once and for all and we are more than happy with this outcome - which we never would have got to without the help of this forum. Thank you so very much.

[PlanB]

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

Posted 11th January >

Do you think DCA's read this forum. Just had a letter drop through the door.

What did that letter say and has there been another one since?

Di

[Pixie]

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

Do you think DCA's read this forum. Just had a letter drop through the door.

Post Edited.....just in case our particular DCA is reading this forum.

So long as you don't post personal details it's fine if they're reading the forum. Even if they manage to put two and two together, which is highly unlikely given the number of debts and the IQ of their employees, it's quite possible that it will scare them off because they know that you're not a walkover and are prepared to fight back.

[stuckinarut]

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

Do you think DCA's read this forum. Just had a letter drop through the door.

Post Edited.....just in case our particular DCA is reading this forum.

no doubt whatsoever january2015 they will troll all the sites that has the consumers interests at heart cos they have naff all else to do. take care

[nanna58]

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

Some read AAD that's why we keep everything private .x

[January2015]

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

Do you think DCA's read this forum. Just had a letter drop through the door.

Post Edited.....just in case our particular DCA is reading this forum.

[January2015]

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

Thanks MrsD and nanna58. After years of paying it feels very strange to completely ignore a debt like this and 'wait' for them to play their next move. We are on a DMP clearing the rest of our debts - it's just this one which is sitting there. Mostly I can get on with life and not stress over this one, but as we owe over £11k, every now and then I panic sllightly and think something bad will drop through the letterbox or, worse. someone will knock at the door. I just have to put my anxieties back under lock and key for a while

[nanna58]

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

Seconded xx

[MrsD]

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

it's a waiting game, some creditors contact you and mither you all the time, some you never hear from. They can't do anything without contacting you so just relax and long may the peace continue.

[January2015]

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

Hi

I've still not heard anything from PRA Group / MBNA. No correspondence received for months now. I don't think they would just give up on this debt as they did provide us with paperwork - which Niddy advised me was not compliant.

We haven't contacted PRA since they supplied us with the copy documents and they have only contacted us a couple of times offering a settlment figure (10% reduction on outstanding balance), or asking us very nicely to contact them and start paying.

Given all of the above, and the fact we haven't made payment on this debt for over a year now, I am starting to dread a court letter or something similar dropping through the letterbox. Is this likely to happen?

Thanks for your support and advice. Hopefully I am worrying needlessly.