Mbna unenforceable

[Little_Miss]

Hi
I did mean to start this diary back in February but life got in the way.

So......
12/15 - ended payments to all our credit card accounts.

1/16 CCA'd all our CC's
-mbna (£21500) received a letter which said it was unenforceable.
-NatWest -£450 letter say it was unenforceable.
- mbna (£7000) received documents which Niddy looked at ( via email) and said it was unenforceable. Thank you

30/10/16 mbna (£7k) received a letter from PRA - they have bought the debt and want paying.
How should I respond to this?
many thanks again

[MrsD]

Re: Mbna unenforceable

after Niddy said this one was unenforceable did you tell MBNA? did you send them anything at all?

personally I would probably send a SWID to Pra, but they are very quick to hustle you into court, so we need to know everything that has happened since January to this one.

[Little_Miss]

Re: Mbna unenforceable

Hi - I've done nothing at all. Not sent anything or paid anything. This is the first correspondence about it.
Thanks


just adding a few details

mbna credit card
£7200
date cc taken out - 2001
defaulted
no payments since December 2015
bought by PRA 30/9/16
feb 2016 niddy looked at the CCA they sent me and said it was unenforceable

[Roger]

Re: Mbna unenforceable

Hi - I've done nothing at all. Not sent anything or paid anything. This is the first correspondence about it.
Thanks
just adding a few details
mbna credit card
£7200
date cc taken out - 2001
defaulted
no payments since December 2015
bought by PRA 30/9/16
feb 2016 niddy looked at the CCA they sent me and said it was unenforceable

Make certain that you have any paper work sent by MBNA safely stored and if possible scanned.

At the moment they are not threatening anything, just advice of purchase of debt. (store their letter with envelope [date envelope when recieved])
My instinct is to file this and wait and see what comes next.

[Little_Miss]

Re: Mbna unenforceable

Pra have said that they now own the debt and that they will contact me shortly to adivise me of my situation. I'm not sure what their next move will be.

[Roger]

Re: Mbna unenforceable

Pra have said that they now own the debt and that they will contact me shortly to adivise me of my situation. I'm not sure what their next move will be.

Relax and simply wait and see what their next move is.

Do not discuss anything at the Phone (make a note of any phone calls they might make time date)

[Little_Miss]

Re: Mbna unenforceable

Ok thanks. I block all numbers - I've subscribed - could this thread be moved to the other area?
Thanks

[IF]

Re: Mbna unenforceable

Ok thanks. I block all numbers - I've subscribed - could this thread be moved to the other area?
Thanks

Hi Little_Miss, we tend to not move UE diaries, as moving to AAD+ doesn’t guarantee as many replies and support that you would receive in the diary section, so you could miss out on valuable help from others that aren't in AAD+

Best wishes
IF

[Little_Miss]

Re: Mbna unenforceable

No problem. Wasn't sure what to do.
Thanks

[Never-In-Doubt]

Re: Mbna unenforceable

Hiya - IF they get arsey or things are unique to you then we''ll gladly move your thread.

As IF said above, whilst it's a diary it's best being public but if you want it private then just say. It's your call - you're AAD+ so it's your choice where you put your threads.

Don't worry. You're in safe hands now