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Hi, I tried to fill in form and submit but I think there's an issue at the moment, so thought I'd submit a post direct.
Details of the claim on the Court Claim:
THE CLAIMANT CLAIMS PAYMENT OF THE OVERDUE BALANCE DUE FROM THE DEFENDANT(S) UNDER A CONTRACT BETWEEN THE DEFENDANT(S) AND MBNA.
DATED ON OR ABOUT JUNE 09 2003 AND ASSIGNED TO THE CLAIMANT ON NOVEMBER 10 2006.
£3467.34 - MBNA CREDIT CARD
I HAVE SENT BOTH A CCA REQUEST AND A CPR 31.14 DATED 20TH SEPTEMBER 2017.
I did state initially in my original letters mentioned above that I believed the debt to be Statute Barred as this debt was from a 2004 default.
Unfortunately in 2004 I became very ill and was hospitalised. It took a long time to diagnose that it was Transverse Myelitis which absolutely floored me. I couldn't work, I had to give up my job and was in and out of hospital for 3 years.
I contacted MBNA as soon as I was unable to make any payments in 2004 and spoke to them about the insurance that I had taken out with my Credit Card to cover such eventualities. The insurance did eventually pay out and cover the original debt, but because they didn't freeze the interest and charges (as they were obligated to) it left me with more than £2,000 debt which has increased with further charges. I did have to speak to them several times before they agreed they would not pursue the debt but they have since sold it to Arrow who have continued to pursue me for it, despite explaining my circumstances.
Despite this, I received threatening letters from Arrow.
Back then I didn't know such advisory sites like this existed and just relented and paid £20 a month until I couldn't afford this anymore.
The last payment as far as I know was 2013.
As mentioned, I did send a CPR 31.14 on the 20th September to the Solicitor and a CCA request to Arrow.
I received a response from the Solicitor over the weekend which has asked for medical evidence that I was ill and diagnosed with an illness in 2004. I can provide this information to them. However, I really need some professional advice to ensure I'm doing the right thing.
Any support and advice would be very much appreciated.
Kind regards
Siobhan
Details of the claim on the Court Claim:
THE CLAIMANT CLAIMS PAYMENT OF THE OVERDUE BALANCE DUE FROM THE DEFENDANT(S) UNDER A CONTRACT BETWEEN THE DEFENDANT(S) AND MBNA.
DATED ON OR ABOUT JUNE 09 2003 AND ASSIGNED TO THE CLAIMANT ON NOVEMBER 10 2006.
£3467.34 - MBNA CREDIT CARD
I HAVE SENT BOTH A CCA REQUEST AND A CPR 31.14 DATED 20TH SEPTEMBER 2017.
I did state initially in my original letters mentioned above that I believed the debt to be Statute Barred as this debt was from a 2004 default.
Unfortunately in 2004 I became very ill and was hospitalised. It took a long time to diagnose that it was Transverse Myelitis which absolutely floored me. I couldn't work, I had to give up my job and was in and out of hospital for 3 years.
I contacted MBNA as soon as I was unable to make any payments in 2004 and spoke to them about the insurance that I had taken out with my Credit Card to cover such eventualities. The insurance did eventually pay out and cover the original debt, but because they didn't freeze the interest and charges (as they were obligated to) it left me with more than £2,000 debt which has increased with further charges. I did have to speak to them several times before they agreed they would not pursue the debt but they have since sold it to Arrow who have continued to pursue me for it, despite explaining my circumstances.
Despite this, I received threatening letters from Arrow.
Back then I didn't know such advisory sites like this existed and just relented and paid £20 a month until I couldn't afford this anymore.
The last payment as far as I know was 2013.
As mentioned, I did send a CPR 31.14 on the 20th September to the Solicitor and a CCA request to Arrow.
I received a response from the Solicitor over the weekend which has asked for medical evidence that I was ill and diagnosed with an illness in 2004. I can provide this information to them. However, I really need some professional advice to ensure I'm doing the right thing.
Any support and advice would be very much appreciated.
Kind regards
Siobhan
to LB [MENTION=107653]Shiv[/MENTION] xx
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