ims21, check pms.

See above re credit check, also why should I not worry bout the 14 days??

Thanks for your help ims21, appreciated.

Hi Delboy,

Did you send off the SAR, really important that you do because this should have the missing default notice. Also as others have advised have a look at your credit record, really easy to do this by registering with www.creditexpert.co.uk - free for a month but remember to cancel it otherwise it will cost you £14.99 per month - by the way - the above are also MBNA!

Why have you got to reply to the Solicitors - they haven't raised court action yet have they?

re " the above are also MBNA"Are you saying restons are not a solicitors working for MBNA??

Indeed baileysmummy, arnt you glad you came on here first and didnt hand over dosh??

BTW I sent a hardship letter to MBNA 2 months ago and havnt had a reply.Their only reply is to set solicitors on me, thanks for being understanding.

I have to reply early next week to the solicitors as the 14 days will be up I need more time. How do I go about asking this. Do I mention the No Default letter??

Prompt replies will be appreciated as I dont want to go down the court route.

Please do not get stressed out or worried, reread some peoples advice on here, its a load of old bull. Do not engage in conversation with them as

1. They could winkle more information out of you.

2. Their intention is to frighten you.

Should they ring tell them you will only communicate by post and "you should put it in writing, Goodbye"

I take it baileysmummy and siennasmummy have a debt with someone????

Wierd!! this whole thread also appears here http://boardreader.com/thread/Minicredit_urgent_urgent_advice_8qjo3X5zsv.html?o=0

Delboy, If you defended, you will have recieved a Question Allocation from the court. If you returned this, then Minicredit will have to of returned their QA in order for the case to continue. You should of been notified by the court if the QA had been recieved.

 

Do as Sillygirl says, phone the court immediatley and give us a update.

Can I ask, it is a default sum notice???

Can I ask, should I have received an OFFICIAL default notice from MBNA???

Today from MBNA "WE ARE TAKING ACTION TO RECOVER YOUR DEBT" "Following previous correspondence which confirmed termination of your credit agreement"

Er you havnt sent it yet!!!!!

I Havnt checked it for many months.

I take it the SAR goes to MBNA and not the solicitors?? Ta for your help ims21.

Also no default notice or NOAssignment??

Yeah sorry bout the size lol. CCA came back with my sig and address, looked ok to me.. but I am no expert.

No Scanner using camera

Uploaded with ImageShack.us

..

Can you read that OK?? LOL

Ok as far as I am aware I havent received a Notice of Default from MBNA. I also havnt received a Notice of Assignment from MBNA. Today I received a letter from a solicitors "acting on behalf of MBNA" Do I make them aware of the above details. Is now the time to SAR MBNA?? or do I advise the solicitors that I intend SARing MBNA.

Send off your AOS for an extra 2 weeks.

Martin, I havnt paid any charges, it is charges they are claiming in court, so slightly different. I think I need advice on this. We need to see some of these payday loan companies actually go to court?? Set a precedent???

I would need more info on a strikeout. The Court suggested a N244 but said "I dont know what you are gonna put on it". Also there are charges for a N244??

Hmmn reclaim the charges ??? Hmmn Would it work. Could one take minicredit to court re their charges (small claims) even if minicredit has taken one to court and stalling it before it gets to the judge.

Hi ( Stupid1 OH here) they issued a court summons back in January, sent the defence in and since then nothing other than the 90p per day mounting up

They are demanding £121 plus court fees of £25. I will have access to a scanner on Monday to be able to upload the the papers.

Re Minicredit, my OHs thread:-)

http://www.consumeractiongroup.co.uk/forum/showthread.php?279679-Minicredit-advice-please

Have you had an official Notice of Assignment from QQ glo???? Or just an email.