Adinuff's UE Diary

[Pixie]

Re: Adinuff's UE Diary

Maybe send a PM instead of an email Adinuff.

[The Tech Clerk]

Re: Adinuff's UE Diary

Help on the way!

[nanna58]

Re: Adinuff's UE Diary

Don't panic Mr manwaring xxx

[Adinuff]

Re: Adinuff's UE Diary

Maybe send a PM instead of an email Adinuff.

Hi Pix,
PM her already.

Adinuff

[cymruambyth]

Re: Adinuff's UE Diary

Hi Guys,
Let me explain. The judge way back issued the creditor an INTERIM charging order when I went to court. If I failed to meet payments the creditor would then apply for a FULL charging order. Unbeknown to me the creditor just went ahead and applied for a FULL charging order without my knowledge and it was granted. I've rang the court and they confirm it was awarded but they don't have the court order as its over 6 years old. I've also asked the creditor to provide me a copy and to this date they haven't complied.
Now it gets interesting because although the creditor applied and got a FULL charging order they have not applied to Land Registry to have it registered. It still states that I have an interim charging order on my title deeds.
I have emailed JC (solictor) and she has said that if they can't provide court order I need to ask them to remove interim charging order because I haven't missed a payment in over 10 years.

Thanks

Adinuff

You were given legal advice about what should be done; as you have not had any success on your own and this is obviously something that posters aren't able to help with, maybe you should get further legal advice. If there is a cost involved perhaps you could arrange to pay by instalments to get it sorted.

[Adinuff]

Re: Adinuff's UE Diary

MBNA CC (mine) CCJ

Balance Approx - £9440

Default Date - Approx 2006

Default Amount - £11300

DMP (Payplan) - £27.39 monthly Stopped Paying

Sold to Link Financial

21/01/13 SAR and CCA request to Link (CCJ supersedes CCA..i know :-( )

24/01/13 recieved SAR back from Link

09/03/13 Ignore post dated 21/03/13 CCJ and CO not on this account. In the process drafting a CCA and SAR request.

29/4/13 - CCA reminder letter

19/6/13 - Letter received from MBNA. Thanks for your letter dated 29/4/13 regarding account. In response to your letter, we an confirm that information we are required to provide in accordance with section 78 of CCA Act 1974 has been forwarded to Link Financial, who purchased the account on 25 March 2013. Any further queries please contact them. Gonna ignore.

17/06/13 - Letter from MBNA. Thank you for your letter dated 29/04/13. In response to your letter we can confirm that the information we are required to provide in accordance with section 78 off CCA has been forwarded to Link Financial, who purchased the account 25/03/13.

12/08/13 - Statement of account received from link. They seem to have receiving payments of £1.41 from someone (not me for sure )

26/02/14 - Letter from Link Financial. This letter is final notification that any agreement you had with Link financial to repay your debt has been cancelled for non payment. Please call us to discuss matter. Gonna Ignore.

29/09/15 - Letter from Link Financial. Despite our efforts to collect this sum through communication and negotiation the balance remains unpaid. We will pass this onto Messrs Kearns Solictors. Going to send account in dispute letter.

20/10/15 - Letter from Link Kearns Solicitors stating we have 14 days to pay remaining balance. Sending account sold in dispute letter

22/10/15 - Letter from Link Financial . Link have sent a CCA. Will post to Niddy for analysis.

26/10/15 - The man from Del Monte he say No !! its UE

09/10/15 - Letter from Kearns Solicitors. We have complied with your S78 request on 22Oct 2015 removing any bar upon enforceability imposed by your S78 request. There is an absence of any material dispute in respect of what has, historically , always been an admitted debt, to which instalments have been paid via a DMP. Accordingly, our instructions therefore are to raise proceedings for enforcement of the agreement seeking repayments of the due of the outstanding amount together with interest and costs on or after 24 Nov 15 in default of satisfactory proposals for discharge of the outstanding balance.

27/11/15 - Court Claim forms received from County Court Business Centre. Claimant Link Financial. Kearns Solicitors representing.

Hi Guys,
Long time no speak and I hope everyone's Fighting off the nasty DMA's. Popped into say that this account has finally dropped by Link Financial. It took quite a lengthy process , but Link decided the didn't want to go head to head with the fearless Jo Connonly. Just wanted to say thanks again to Jo, Plan B and everyone on here for helping me do something that I couldn't do on my own. Life is a lot better nowadays. No waking up from a virtual sleepless night wondering what pleasures the DCA'a had in store that day. Four years later , doesn't time fly by


Thanks Again


Adinuff

[cymruambyth]

That's brilliant news; congratulations to everyone who has been fighting this.

[SaltnVinegar]

Hi Adinuff - It's been a while since your last update. How's things going? Any news?

Best
SnV

[Adinuff]

Hi Adinuff - It's been a while since your last update. How's things going? Any news?

Best
SnV

Hi S&V,
Very sorry for v v late reply. Yes Jo managed to get the claim withdrawn and settled.

adinuff