Tweet
Hi I am after some more advice from my previous post .
I have sent a SAR request off to MBNA about the Virgin credit card that was sold by them to hillesden securities after I was recieving letters stating that MBNA were still the "client" as well as letters stating "hillesden " were the client also I have a letter 1 month before they took me to court from there APLINS solicitors stating that will be taken to court if I didn't pay in full under the banking facility provided to me by our client "client stated as hillesden" It is a Virgin MBNA debt not a banking facility from hillesden
Hillesden took me to court and got a charging order against my property and I have a CCJ now.
I also cca hillesden as I have never had anything that states the debt was sold to them and never had a notice of assignment.
I have been going through all the paperwork I have including old statements from the Virgin card and the re-constituted agreement they have sent me and there appears to be 2/3 different agreements and they also don't match up to the old c//c statements that I have there are 2 different APR rates, charges amounts are different and the print format is different They have also sent me someone else's credit agreement in there name to which I will be reporting them to the "ICO" for could anyone tell me if the debt is enforceable still as they have a charging order as I think they may have miss-lead the court.
They have stated that when I took the 2006 card out it is too old for them to have the agreement and MBNA DO NOT HAVE THE ORIGINAL AGREEMENT EITHER and the re constructed one complies with the CCA request and the letter dated before the court date as "offering me a banking facility " and should I complain to the oft and financial ombudsman to see if they can still enforce it and under what terms am I bound by under the banking facility they seem to have offered me . Do they need the agreement to take me to court or not.
Any advice would be greatful
I have sent a SAR request off to MBNA about the Virgin credit card that was sold by them to hillesden securities after I was recieving letters stating that MBNA were still the "client" as well as letters stating "hillesden " were the client also I have a letter 1 month before they took me to court from there APLINS solicitors stating that will be taken to court if I didn't pay in full under the banking facility provided to me by our client "client stated as hillesden" It is a Virgin MBNA debt not a banking facility from hillesden
Hillesden took me to court and got a charging order against my property and I have a CCJ now.
I also cca hillesden as I have never had anything that states the debt was sold to them and never had a notice of assignment.
I have been going through all the paperwork I have including old statements from the Virgin card and the re-constituted agreement they have sent me and there appears to be 2/3 different agreements and they also don't match up to the old c//c statements that I have there are 2 different APR rates, charges amounts are different and the print format is different They have also sent me someone else's credit agreement in there name to which I will be reporting them to the "ICO" for could anyone tell me if the debt is enforceable still as they have a charging order as I think they may have miss-lead the court.
They have stated that when I took the 2006 card out it is too old for them to have the agreement and MBNA DO NOT HAVE THE ORIGINAL AGREEMENT EITHER and the re constructed one complies with the CCA request and the letter dated before the court date as "offering me a banking facility " and should I complain to the oft and financial ombudsman to see if they can still enforce it and under what terms am I bound by under the banking facility they seem to have offered me . Do they need the agreement to take me to court or not.
Any advice would be greatful
Comment