I had a credit card with MBNA with about £500 outstanding. I haven't paid since 2009 when MBNA refused to pay out on PPI claiming I had the "wrong kind of unemployment". I haven't made a PPI reclaim just put this one to the back of my mind.

All has been quiet since the account...

Income falling badly plus divorce left me in debt to a number of credit card companies. Some seem to have gone away (at least for now) and in some cases I am paying off monthly, in two cases after CCJs. Now being pursued on one as detailed below. Hoping to follow the UE route and looking for help and...

Hi all,

Has anyone had any dealings with this DCA? The reason I ask is I have 3 debts from HSBC that were defaulted and sold on first to Moorcroft then Hillsden if I remember correct now these, I have been paying the debts through a DMP and the defaults to all 3 debts will fall off by...

A bit lost, but think this is what I'm supposed to do:

• Type of account: Unsecured Loan
  
  
• Date commenced: April 2005
  
  
• Approx balance: £12,000
  
  
• Date last paid: Aug 2009 (It think)
  
  
• Are you on arrangement or not paying: Was on arran

...

About 17 years ago I had a credit card with Associates, who morphed or were bought out by Citi. Some years ago I stopped paying Citi and requested a copy agreement - after some tooing-and-froing they admitted they could not supply an agreement, and duly sold the debt to Hillesdon. Hillesdon also confirm...

Hi,
I have just posted a diary of all my known debts on the forum for that, I can currently only access Equifax as I am out of UK, but I think I have listed most if not all from my fall from financial security around 2007/8.I however, have one peculiar situation that may require a bit of deeper...

edit

I apologise for the length of this but basically I am hoping that it can be unenforceable.I would be grateful for any comments .

My debt problem started in May 2002 and due to divorce I was coerced into agreeing to the purchase of a motor home by solicitors. This was to enable myself and...

A few credit cards

Quick reference guide with current state of affairs...

MBNA - no agreement found
CAP ONE - sent a recon - UE
BARCLAYCARD - sent a recon - UE
LLOYDS - Sent a recon - UE
NAT WEST - Sent a recon - UE
EGG - Confirm no agreement found...

Hi,

I have been trying to see if a MBNA credit card bill is unenforceable. The amount is £5,500.49.

They have sold the debt onto a DCA and I have received many demands from them.
Recently they sent me a letter offering a £10 per month payment or 75% write off...

I've had a couple of letters over the weekend , one from Hillesden and one from MCS.

The Hillesden one was nice it confirmed that they didn't have a copy of the agreement , but I should contact them to pay up!!!!

MCS was just a letter stating even though they had sent me...

Helping a friend reclaim credit card charges from Citi (formally The Associates). The account defaulted some years ago and sold to Hillesden DLC with an outstanding balance around £620. Got hold of statements from Citi going back to 2001 when the account was opened. late payments / overlimit charges...

Hi,

Can anyone help me with a company called Nolans who are chasing me for a debt with hillesden securities and are getting aggressive now.

I CCA'ed hillesden securities about 18 months ago and all was quiet but now they are at the door demanding income/ expenditure form...

I've got a couple of old egg accounts that I went the unenforceable route a couple of years ago. They where being handled by DLC and I managed to put them to bed and I hadn't heard anything from them for two years.

I must admit it was quite funny when I said to them, I'm coming around...

These clowns are the latest in a long line of DCA chasing a debt where the OC cannot provide a Copy of the contract for a loan they claim I took out in 2006.

I basically told them the account is unenforceable and strangely they've come back with McGuffick v RBS on enforceability. Stating...