Patch's Diary

[PlanB]

Re: Patch's Diary

They have issued a claim.... no idea what to do :-( Can't tell hubby as he's really upset about us having to have our dog put down yesterday...

I've never had a claim before... ..

. . . . and breathe . . .

This is your hubby's ex MBNA credit card account which was opened in 2009. That may mean you can't play the *unenforceable* card in relation to the way the credit agreement was set out, but that doesn't mean the Claimant (Link) has got everything else right. They have to prove they own the debt for starters.

So one step at a time.

Email me the first page of the Claim Form (N1) without anything edited out. No one will see it except me and Jo (not even your hubby ).

You can break the news to him gently in a day or two when you know better where he stands legally speaking.

There will be options.

I'm assuming it's this account > http://forums.all-about-debt.co.uk/s...l=1#post556100

Plan B x

Use planb@all-about-debt.co.uk

[patchouli]

Re: Patch's Diary

Thanks all... will ave a read once Hubby is not near me... I'll try and keep this from him until things are a bit better for him emotionally.

[Grassy_K]

Re: Patch's Diary

Best of luck Patch, I am also having problems with this DCA so I know exactly what you are going through.

[marypoppins]

Re: Patch's Diary

The team are fantastic Patch, try not to stress.

[SaltnVinegar]

Re: Patch's Diary

Hi Patch

While you're waiting take a look at the following thread:

http://forums.all-about-debt.co.uk/s...rom-a-Creditor

[SaltnVinegar]

Re: Patch's Diary

Hi Patch - just to let you know I've put up the flares for you to the legal experts. Someone will be along to advise. First thing to remember is that you should have a good bit of time before even an acknowledgement of service is required so sit tight theres no need to panic.

Best
SnV

[SaltnVinegar]

Re: Patch's Diary

They have issued a claim.... no idea what to do :-( Can't tell hubby as he's really upset about us having to have our dog put down yesterday...

I've never had a claim before... There's a couple of forms asking question about his employment etc....

Hi Patch

I'll alert the legal bods in our mod team. Please try not stress about this as much as possible, they're excellent at guiding people through this and will help you as they have loads of experience.

SnV

[patchouli]

Re: Patch's Diary

They have issued a claim.... no idea what to do :-( Can't tell hubby as he's really upset about us having to have our dog put down yesterday...

I've never had a claim before... There's a couple of forms asking question about his employment etc....

[patchouli]

Re: Patch's Diary

[cymruambyth]

Re: Patch's Diary

I have one of those as well

[patchouli]

Re: Patch's Diary

Thanks... just need to know so I can calm hubby! :-)

[cymruambyth]

Re: Patch's Diary

Don't offer anything. Please try and be patient, I know that is easier said than done, but even if you offer £5 they can still issue a claim and the account will never become SB. I don't think any poster has gained a CCJ once a claim has been issued and they have followed the guidance from the site.

[The Tech Clerk]

Re: Patch's Diary

wait be patient the site will guide you when/if needed = no panicking at this stage or any stage! have faith

[patchouli]

Re: Patch's Diary

so we just sit and wait?

Wouldn't it be better to offer £5 a month or something?

Sorry I haven't been this far yet so have no idea how this works.

[cymruambyth]

Re: Patch's Diary

If you get a claim, you come straight on to AAD and ask for guidance. You will helped through the whole process and all your options will be explained. We have a very good legal team on AAD and an excellent lawyer. We do not admit defeat and there are many steps to be taken so that a CCJ will not be gained.