I am not sure what you mean by SAR and MBNA and can I claim PPI then, on that Virgin card? Do you also mean that MBNA was the bank for Virgin? What other penalty charges are there? As for the history I ran up the credit card in 2009, when it went to court. There were court costs, and the charging order. Virgin agreed then to freeze the interest. The debt was transferred to ME 111 in 2012 and is being handled by Optima on their behalf. I have been paying £60 a month since 2009. I also wrote to Optima in October 2013 for a copy of the original agreement, which they never sent. I wrote to Optima last week explaining this and quoted the CCA and the how the 12 days had been exceeded by a year.

No, I didn't contest any charges or interest as I was totally naive at that time. Virgin was the company that took me to court. The company now with the debt is ME 111 and Optima is working on their behalf to arrange collection.

Several years ago I ran up a debt on a Virgin credit card. I asked if I could pay £60 a month to clear the £15000 debt but they disagreed and took me to court. A charging order was placed on my home and the court agreed I could pay £60 a month. The debt has been sold on to ME 111 a few years ago. My question is: does the charging order transfer with the debt to the new debt owner?

Several years ago I ranup a debt on a Virgin Credit Card due to a failed business. I agreed to pay the debt off at £60 per month (the debt was £15k) They refused and took me to court and they were awarded a charging order against my home. I also agreed to pay £60 a month off, which the court agreed. Fast forward several years and My question is: Does the charging order transfer with the debt to the new debtor? Dave Summers