Originally posted by terryw
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Terryw journey to unenforceability
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It will be because they know it is UE and that they can not get the documents from NatWest. Something similar happened to me a few years back with NatWest and Cabot.
Incidentally the Pre Action protocols can be shortened in some circumstance such as the limitations ‘clock’ being close.
My understanding is they could go straight to a claim if necessary.
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[QUOTE=terryw;n1509162]MBNA credit card
Date commenced ????? See below
Approx bal £500
Last paid Feb 2018
Not on arrangement
Only March 2018 payment in arrears
Line
Account with lender
Jan 2018. CCA request
Feb 2018 Copy on-line application received
a bit of a puzzle here. My credit cards were obtained many years ago in the 80s and 90s. And to the best of my memory all applications were made by post and I have never made an on-
Line application I have no documents from earlier days but I don't think my memory is faulty
The copy application from MBNA shows a date of 2011.
I told niddy that this started years ago and he said it is UE. But if the correct date is 2011 then it is likely enforceable
Is it possible that the cc company are mistaken or even trying it on?
Might a SAR request throw some light on this or any other ideas?
Many thanks
April 15 2018 Just an update. Received confirmation that SAR request received Will report further when it is received
MAY 3 2018 SAR information received from two MBNA re closed accounts from years ago but nothing yet for this account. I will update as and when.
May 5 2018 SAR info received I had mistake as the card was taken out in 2011 so it looks to be enforceable Ah well such is life!
june 1 2018 I have paid nothing for three months and letters and texts are almost daily This one looks to be enforceable. I shall consider making payments or an offer in due course
UPDATE 23 October 2018
MBNA have terminated the agreement and they may sell it to an external company. This is enforceable so I will wait and see if a reduced offer is made before doing anything
UPDATE 28 Dec 2022
MBNA did indeed sell the debt on to PRAgroup in November 2018. They are offering two thirds discount but I shall not take this kind offer up!
The default notice was August 2018 and quite a while to the six year point so I will see if any serious threats come along....
UPDATE 3July 2023
The odd begging letter and fairly frequent begging texts from PRAgroup but nothing to worry about. Radio silence from me.
Hope it keeps like this to the six year point
UPDATE 9 Sept 2024
Now 6 years from default notice
and vanished from credit reference agencies was SB
Last edited by terryw; 6 November 2024, 20:25.
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Thanks for that Mr Stuck in a rut.
From 10 accounts 7 are statute barred, another one will be this month and the last two will be in March 2025. Total debt was over 25K and is now 3K
and soon to disappear
All thanks to Allaboutdebt and the method ! And thanks to the great contributors and the mighty NID
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