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PRA Group MBNA unenforceable debt
Hi I wonder If I could have some advice please. PRA Group are chasing for a debt for MBNA. I wrote to PRA asking for information Sections 77-79 CC Act 1974 and got the following response " I Refer to your request for copy documentation regarding the above account. Please find enclosed documentation... -
Warning over holiday deposit rules
Travel companies have been warned against mistreating unfortunate customers by relying on unenforceable deposit and payment demands. A lack of awareness over how much can be retained when a traveller cancels a booking is widespread, according to the Competition and Markets Authority. A company cannot... -
OVERPAID FOR 8YRS OUT OF 10 Apparently
Evening people. got a bombshell of a letter today. 8/6/17. to the tune of £11kplus. the guy that sent the letter says we appreciate you may find it difficult to pay it back all at once (must have went to uni this guy) but if you can send the dosh to blah blah. please fone us to confirm you received... -
hello!
Just wanted to introduce myself. I joined the forum last June, but the illness and then bereavement of a very close family member took me offline for some time. I've been dipping in and out of the site more recently and have to say I find the approach and advice bang on the money, this is the site I... -
PRA Group
Hi there,
I have a £8.5k debt with PRA from 2005 and requested a CCA last month. They responded stating that the amount was unenforceable as they couldn't find the original credit agreement.
I responded with a 10% offer to close the account stressing that it was unenforceable... -
Link Financial
Hi there,
Have an outstanding debt of £4k with Link Financials.
I requested a copy of my credit agreement on the 24th April and they responded on the 27th April to state that they didn't hold the information but would request from Barclaycard. They stated that this could... -
Cabot Financial (UK) Ltd (Mortimer Clarke Solicitors) v Smallpaws
Your AAD Forum Username
Smallpaws
Name of Claimant
Cabot Financial (UK) Limited
1 Kings Hill Avenue
West Malling
Kent
Name of Claimant's Solicitors
Mortimer Clarke Solicitors Ltd
16-22 Grafton Road, Worthing... -
Alfies Diary
Evening.
Starting this slightly unusual one as it relates to a current account overdraft and a request for its credit agreement given the newer rules on overdrafts.
The newish rules say that a credit agreement is required for overdrafts after 2011.
In this case however the 'draft was...Last edited by alfie; 22 May 2017, 18:12. -
Another PRA Group (UK) Limited Defeat in Court Today
Another headache for PRA Group (UK) Limited today as we won another case against them in Walsall County Court.
The District Judge found for us in all our defence points - the agreement unenforceable, no evidence of assignment, bad default notice, non service of statutory notices and s.78... -
RhodriMawr's UE Journey
Barclaycard Visa
Type of Account - Credit Card
Date Commenced – Approx 1996
Approx Balance - £7,514.06
Date Last Paid - > 9 Years Ago
Arrangement – The Debt Charity Formerly Known as CCCS
Status – Last Payment February 2017
Account...Last edited by RhodriMawr; 25 April 2017, 19:35. -
UE Journey Begins
After about 10 years with Step Change I have decided to go the UE route. Eleven creditors and 41k of debt!! I would be struggling to pay this back before retirement, I have diligently paid Through Step Change and sacrificied a lot, no holidays, no pension etc. CCA requests have been sent to all creditors... -
Let the fun commence - 6 year journey starts here!
Hi guys and gals
After a lot of researching and googling, i have decided to make nest on AAD
I will list my debts soon, but to summarise i have 8 debts totalling around £35,000 (Eeeek!). It was £42,000 but i was diligently paying into a DMP via Stepchange for the last... -
Annual Statements
Can someone please clarify the situation regarding annual statements?
What are supposed to receive them for?
If you dont receive them does this make a debt UE?
Can this be rectified?
Thank you -
The start of a debt free life
Hello all, just a little about me - my hubby and I have found ourselves in big debts altogether, and after browsing through this forum over the past few days (which has already turned out to be super helpful and supportive) we both made a decision yesterday to stop making payments in anticipation of... -
Asset Link Capital (No5) ( Kearns Solicitors ) v Strepsi - Issued 23 March 2017
Your AAD Forum Username
Strepsi
Name of Claimant
Asset Link Capital (No5)
Name of Claimant's Solicitors
Kearns Solicitors
Claim Issue Date
23 March 2017
Who Signed the Claim Form?...
An Individual