mehim's UE Diary

[PlanB]

Re: mehim's UE Diary

yes I know it definitely isn`t SB, dam scanner wont work, will type the letter out and send it to you

No need to type it out tonight. What does the last paragraph say? That's the bit where the meaningful threats are usually contained.

In the meantime let's assume it's a possible LBA so send that CCA request off pronto on Tuesday morning by recorded delivery.

Plan B x

[Mehim]

Re: mehim's UE Diary

Hi, yes I know it definitely
isn`t SB, dam scanner wont work, will type the letter out and send it to you

[PlanB]

Re: mehim's UE Diary

that MBNA one is my other half`s, it is on page 13 of my diary

Is it this £14.5k debt in post # 496 last paid in 2012 so definitely not SB?

http://forums.all-about-debt.co.uk/s...l=1#post284500

Plan B x

[Mehim]

Re: mehim's UE Diary

Hi Plan B, that MBNA one is my other half`s, it is on page 13 of my diary. My first 3 are SB.

Just saw the messages now, been out all day.

I will scan the letter and send it to you.

Many thanks

[PlanB]

Re: mehim's UE Diary

Mehim I've only just noticed from reading your profile page that you live in Scotland.

If your last payments were made in October 2009 wouldn't that make all your debts statute barred by now

If so then it may make sense to send the SB letter in response to any future letters you receive. We need to double check this with you first though.

Plan B x

[PlanB]

Re: mehim's UE Diary

Can you just clarify, is this the MBNA £15k debt in your post # 2 where your last payment was October 2009? Unless I'm mistaken this debt should be SB by now since you live in Scotland.

If not can you post brief outline of the history - a couple of sentences should be enough to give us a snapshot of things.

Plan B x

[IF]

Re: mehim's UE Diary

I agree with Nanna, thank you for your kind words Mehim

Best wishes
IF

[PlanB]

Re: mehim's UE Diary

Other half`s MBNA has also had a few, latest one is threatening litigation, Not an LBA in my opinion

12th May:
2 letters, first is a statement of account.
Second tells me PRA group purchased the account from MBNA (lol bottom of this letter tells me "On 5th November 2014 Aktiv Kapital (UK) Limited changed its name to PRA Group (UK) Limited" Account is being managed by their Investigations and Litigation Department to look at your outstanding debt for possible Litigation recovery.

They have given 14 days to respond. Was thinking I might pop of a CCA request

Definitely send a CCA request asap. PRA are very litigious.

Their letter is dated 12th May seeking a response within 14 days which is 26th May (i.e. Tuesday).

Can you email me a copy of that letter to check whether it is a Letter Before Action. I hope not but better safe than sorry. Use planB@all-about-debt.co.uk

Do you have time to get a CCA request in the post today?

Plan B x

EDIT see my post below since this debt may now be SB

Can you just clarify, is this the MBNA £15k debt in your post # 2 where your last payment was October 2009? Unless I'm mistaken this debt should be SB by now since you live in Scotland.

If not can you post brief outline of the history - a couple of sentences should be enough to give us a snapshot of things.

Plan B x

[nanna58]

Re: mehim's UE Diary

What a lovely thing to say and yes our team are the tops xxx good luck

[Mehim]

Re: mehim's UE Diary

Morning Everyone,

Been a wee while since I have posted but there isn`t much happening.

My own MBNA/Virgin account has had several letters offering a discount voucher and a statement of account. All filed and ignored so far.

Other half`s MBNA has also had a few, latest one is threatening litigation, Not an LBA in my opinion

2015

14th Feb:
Letter from PLetter offering up to £3193.74 discount voucherRA, "We are pleased that we have been able to talk to you about your account with us - thank you for that"LYING SCUM, we spoke to no-one
14th April:
Letter offering up to £3193.74 discount voucher. Filed
12th May:
2 letters, first is a statement of account.
Second tells me PRA group purchased the account from MBNA (lol bottom of this letter tells me "On 5th November 2014 Aktiv Kapital (UK) Limited changed its name to PRA Group (UK) Limited" Account is being managed by their Investigations and Litigation Department to look at your outstanding debt for possible Litigation recovery.

They have given 14 days to respond. Was thinking I might pop of a CCA request

Any pointers gratefully received.

Guys their is light at the end of the tunnel, since I was directed to this site, Niddy and the team have helped me to get 3 debts to SB and 2 others to the company admitting EN

Everyone is in very safe hands here.

Many, many thanks.

[CleverClogs (RIP)]

Re: mehim's UE Diary

AK I suggest if SB send the letter as they do get litigious, been there SAME LETTER.

If it is time barred, then the obligation to repay the debt has been extinguished and they would surely lose were they to try to sue.

[The Tech Clerk]

Re: mehim's UE Diary

AK I suggest if SB send the letter as they do get litigious, been there SAME LETTER.

[CleverClogs (RIP)]

Re: mehim's UE Diary

This account should be statute barred and I had intended sending the relevant letter regarding this. However, they have a couple more and I decided to just ignore it rather than alert them to the others.

MBNA/Virgin credit card

2014

17th May:
Latest from Aktiv, Statement of your account with a £3752 gift voucher attached. I can use it if I pay the rest by 31st May.

Had you considered asking them about the encashment value of their gift voucher?

[IF]

Re: mehim's UE Diary

Hi If,

all quiet here apart fro some annual statements. Seems some of the leeches now follow the law and have started sending the annual statement out.

First three debts are now SB, hopefully the rest will follow.

Many thanks

Here's to the rest being SB Mehim

[PlanB]

Re: mehim's UE Diary

First three debts are now SB, hopefully the rest will follow.

Ooooh lucky you with three SB debts. When will the rest go SB?

I've got 23 debts which will start to go SB from June next year. It's going to be one hell of a party on here when they do.

Plan B x