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Hi
I was told about how helpful AAD is this week and even after just half a hour looking around that seems like an understatement! Could anyone help with this enquiry please? As general background I have multiple credit card accounts; all defaulted between Sept 2009 and June 2010; all are pre 2007; most are being managed and I think) owned by DCAs although a very few are still with the OC. Having only recently become aware of the CCA
I recently started sending some CCA letters to the DCA; only 5 at the moment. However, I seem to have inadvertently picked one of the tougher DCAs in PRA in relation to two of the accounts. They're response for the two accounts seem very different though and its this I wanted to ask about.
Account 1: An MBNA credit card - debt was sold to Experto Credite and then onto PRA. PRA returned the PO with their first letter which said they will cease further collection activity until further notice. A copy of T&C from MBNA followed quickly, then what seems to be the signature form for the application with my signature and credit limit. The letter they came with dated 23 Jan says the deem the debt to be unenforceable though they're waiting on further documentation. Since then nothing.
Account 2 Also an MBNA credit card - debt was sold to Aktiv Kapital who I think became PRA? PRA returned the PO with the same message as for Account 1 - letter dated 23 Jan and since then nothing.
I don't understand the apparent difference in their reaction! Do I sit still and wait developments or is there something more proactive I should be doing?
Thanks
I was told about how helpful AAD is this week and even after just half a hour looking around that seems like an understatement! Could anyone help with this enquiry please? As general background I have multiple credit card accounts; all defaulted between Sept 2009 and June 2010; all are pre 2007; most are being managed and I think) owned by DCAs although a very few are still with the OC. Having only recently become aware of the CCA
I recently started sending some CCA letters to the DCA; only 5 at the moment. However, I seem to have inadvertently picked one of the tougher DCAs in PRA in relation to two of the accounts. They're response for the two accounts seem very different though and its this I wanted to ask about.Account 1: An MBNA credit card - debt was sold to Experto Credite and then onto PRA. PRA returned the PO with their first letter which said they will cease further collection activity until further notice. A copy of T&C from MBNA followed quickly, then what seems to be the signature form for the application with my signature and credit limit. The letter they came with dated 23 Jan says the deem the debt to be unenforceable though they're waiting on further documentation. Since then nothing.
Account 2 Also an MBNA credit card - debt was sold to Aktiv Kapital who I think became PRA? PRA returned the PO with the same message as for Account 1 - letter dated 23 Jan and since then nothing.
I don't understand the apparent difference in their reaction! Do I sit still and wait developments or is there something more proactive I should be doing?
Thanks
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