MBNA
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Re: MBNA
Originally posted by basa48 View PostDan did say at the outset this was a credit card debt.
Interesting quotes from pompeyfaith and never-in-doubt. MBNA did re-issue a DN on me when I tackled the validity of the original one. The second one was compliant but they put it forward as a 'copy' of the original non compliant one, complete with original issue date and remedy date. A little misleading I think!!!
And their 'true copy' of the agreement (pre Carey) is an obvious mash-up. Photoshop rules - NOT!!!
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Re: MBNA
Ahhhhhhhh, forgot we had that since we got the thanks button lol, thanks Mystery1 xx Not sure why we'd take them away anyway.#staysafestayhome
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Re: MBNA
Originally posted by Amethyst View PostGreen buttons ?
(sorry am reading the rest just don't know what you mean by that bit)
Damn !! Why to I still post answers to posts halfway down the page without finishing reading to the end of the thread???Last edited by basa48; 15th June 2011, 19:25:PM.They were out to get me!! But now it's too late!!
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Re: MBNA
Garlock
i am in agreement with every one giving their opinions and view and then the person can make their own decision having wieghed up the for and against.
I took advice OTR and was actively encouraged to see things thru to court not knowing the consequences, by other who had an axe to grind against my creditor. I dont think they had my best interest at heart.
On the other hand if some one has a strong case and they understand the consequences, potential cost etc then yes they should go for it...
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Re: MBNA
Originally posted by Differentjudge View PostGarlock
I took advice OTR and was actively encouraged to see things thru to court not knowing the consequences, by other who had an axe to grind against my creditor. I dont think they had my best interest at heart.
On the other hand if some one has a strong case and they understand the consequences, potential cost etc then yes they should go for it...
People need to research hard and make up their own minds whether the risks are worth it.
You can't blame people for advising you wrongly if you haven't done your homework.
I look at all the arguments, for and against and decide the best way forward.
At the moment I have written off two small debts (yes I do mean 'written off) and the creditors have stopped chasing the other 3 large debts.
I am well aware I would possibly lose in court, but to date I have saved over £14,000 in repayments.They were out to get me!! But now it's too late!!
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SHORTCUTS
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
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.
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