• Welcome to the LegalBeagles Consumer and Legal Forum. Please register to get the most out of the forum. Registration is free and only needs a username and email address.
  • LegalBeagles® is a free forum, founded in May 2007, providing legal guidance and support to consumers and SME's across a range of legal areas.

    Please do not post your full name, reference numbers or any identifiable details on the forum.

Shoosmiths

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Shoosmiths

    Hi and thank you for letting me join your forums.

    I'm after a little bit of advice if you could.

    I have just received a claim form for a debt which started off with MBNA ( can't recall taking a loan or credit card so I'm not sure of when )

    Claimant is Arrow who purchased the debt in 2015.

    I'm really not sure what to do from here.

    shoosmiths contact me on a daily basis asking me to call them. I've received no letters from them that I can recall or at least no recent letters apart from the court claim.

    any help at all would be appreciated as I really can't afford to pay what they are asking for but I also can't afford to get a ccj ( not that I ever want a loan )
    Tags: None

  • #2
    Hi Thingy, Could you post the particulars of claim from the claim form please, and tell us the issue date on the form, then we'll be able to give a bit of guidance how to deal with it.

    Does anything show on your credit file in regards to an MBNA debt ?

    And try not to worry, it will be sortable
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

    Received a Court Claim? Read >>>>> First Steps

    If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

    Comment


    • #3
      Hi and thank you for the quick response
      Sorry I'm panicking a bit.

      issue date 27th Nov 2018

      Particulars of claim

      1 The claimants claim is for the sum of £700 being monies due from the defendant to the claimant under a regulated agreement between the defendant and the Mona Europe bank limited (no xxxxxxxxxxxxxxx ) and assigned to the claimant on the 30/11/2015, notice of which has been provided to the defendant.

      2 The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974

      3 The claimant claims the sum of £700


      I haven't checked my credit files as yet but will asap

      2

      Comment


      • #4
        Sorry MBNA NOT Mona

        Comment


        • #5
          Thank you.

          Can you log in on Moneyclaim online and acknowledge the claim with intent to defend in full please ( it's not binding, it simply extends the time you have to gather info and decide what to do ) If you decide to defend the Defence needs to be filed before …
          30 December 2018

          Then send this
          CPR 31.14 Requestto Shoosmiths, asking for the Agreement, Default Notice, Notice of Assignment.

          and this
          CCA Requestto Arrow.

          And then this
          Subject Access Request Letter
          to MBNA ( or you can do that online here > mbna.co.uk/support/GDPR )
          “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

          Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

          Received a Court Claim? Read >>>>> First Steps

          If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

          Find Solicitors offering fixed fees on our sister site - JustBeagle.com

          Comment


          • #6
            Thank you so much Amethyst

            I have checked one of my credit files with no sign of it 2 more to go.

            Comment


            • #7
              If it defaulted before Nov 2012 then it shouldn't be there ….
              if you haven't made payments to it since Nov 2012 it could well be statute barred.
              ..... but seems a long wait before selling it on to Arrow in 2015 if so.
              “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

              Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

              Received a Court Claim? Read >>>>> First Steps

              If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

              Find Solicitors offering fixed fees on our sister site - JustBeagle.com

              Comment


              • #8
                Hi

                I have done the above apart from checking on one of the credit agencies which I had trouble doing but there's nothing on the other 2. As of today I have only received back one letter thry were all signed for. The letter that arrived Stated they have not received sufficient information to identify me.

                they want full name which I've given.
                full date of birth which I've given
                account number which I don't have.

                plus they've destroyed my postal order

                what happens now if I don't hear from the other 2 parties?

                thank you
                thingy

                Comment


                • #9
                  Please help I'm worried sick and stuck now as i don't have much time left to put in my defence (

                  Comment

                  View our Terms and Conditions

                  LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

                  If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


                  If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.

                  Announcement

                  Collapse
                  1 of 2 < >

                  SHORTCUTS

                  Pre-Action Letters
                  First Steps
                  Check dates
                  Income/Expenditure
                  Acknowledge Claim
                  CCA Request
                  CPR 31.14 Request
                  Subject Access Request Letter
                  Example Defence
                  Set Aside Application
                  Witness Statements
                  Directions Questionnaire



                  If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.


                  NOTE: If you receive a court claim note these dates in your calendar ...
                  Acknowledge Claim - within 14 days from Service

                  Defend Claim - within 28 days from Service (IF you acknowledged in time)

                  If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.




                  We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
                  If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
                  2 of 2 < >

                  Need Formal Help?




                  Search and Compare fixed fee legal services and find a solicitor near you.

                  Find a Law Firm


                  See more
                  See less

                  Court Claim ?

                  Guides and Letters
                  Loading...

                  upgrade to vip

                  Want exclusive access to forums, more privacy and a live chat box? Upgrade to become a bigger part of our community.

                  only £15/yr

                  Offers available. No subscription traps.

                  sign up now



                  Search and Compare fixed fee legal services and find a solicitor near you.

                  Find a Law Firm


                  Working...
                  X