Hi, I'm hoping you can offer some advice for a friend of mine please. He has just received a Court Claim Form for an old MBNA credit card debt (possibly Virgin Credit Card) and doesn't know how to proceed. Long story short, he became ill towards the end of 2010 and began claiming incapacity benefit from January 2011. His illness is ongoing and currently no forseeable end. he could no longer afford to pay his debts after a short while and he thinks he informed some if not all of his creditors about his situation but none of them were helpful and so he ceased payments. Now he has received a court claim from Restons and is unsure of what to do. Since this debt dates back to 2008 there could possibly be some unlawful charges attached to it therefore meaning that all the money Restons are claiming will be false. Should he send the acknowledgment of service and a defence stating that he disputes the full amount and then contact Restons to ask them to prove the debt? Looking forward to any advice and help you can give please, he has to respond by 21st December. Thanks

Hi, I have really screwed up.. Did not take this very serious. Received a claim from PRA group, so put in a defence within 14 days than within 28 days. Than received a DQ file and just waited to hear back from the courts but did not hear anything until yesterday with a issue of notice of warrant of control by post. So logged online and saw the claim stats (see below) Is there anything I can do? can I still defence ccj? claim stats below A claim was issued against you on 06/07/2015 Your acknowledgment of service was submitted on 20/07/2015 at 09:12:06 Your acknowledgment of service was received on 20/07/2015 at 12:00:39 Your defence was submitted on 05/08/2015 at 12:30:02 Your defence was received on 05/08/2015 at 14:00:49 DQ filed by claimant on 14/09/2015 General sanctions order was made on 17/09/2015 Your defence was rejected on 07/10/2015 Defence was struck out on 07/10/2015 A judgment was issued against you on 19/10/2015 A warrant ????? was issued against you on 06/11/2015 at 19:24:08 Would really appreciate any help... Thanks Neil

Hi, I previously lived in the UK but have returned back to the US as I was made redundant. I owe approx. £10880 to Virgin/mbna and had a phone call with them earlier. I am able to borrow the monies from family and after going thru the series of questions of my incoming and outgoing expenses I gave an approximate figure £7000 to clear the above loan. they were going to check w a mgr and get back to me. It now seems I could have gone lower and think I am going to call,them Monday and say I only had £7000 total as I also have to use that to pay the £6800 to HSBC. I need to get this cleared as I now cannot afford the min bal as I am living back in the US. Do you think I can negotiate a lower amount? They also said they don't so full and final settlements anymore so I guess I just hope when I accept they don't sell, the remaining debt on!

Hi Everyone, I am determined to go for the jugular with these 2 clowns, namely MBNA and Moorgate. I would love you good people to let me know if what I am contemplating is the correct thing to do and give your valued opinions and advice. On 6th May 2006 I took out fixed term/fixed repayment loan with MBNA via Virgin Money. The amount borrowed was £3000 and the repayments were £69.75 per month for 60 months. This was via direct debit. In about July I asked MBNA to take the direct debit out on the 1st day of the month like all my others instead of when ever they decided. This did not happen and when that months payment was taken in the last week of the month there wasn’t enough funds. This is the only month that the funds were refused all other payments were on time. I must admit I forgot about the payments until I received a letter from MBNA in August 2011 informing me that my loan was ending and that the final payment of £248.59 would be taken out via direct debit on 6th September 2011. This was payment for the arrears, I phoned them up (I know!!) and told the girl there was no way I could pay all that, she was very helpful and told me to cancel the direct debit and make different arrangements to pay the amount over the next few months, so I cancelled the direct debit. This got me thinking and I thought stuff it, you’ve screwed me enough and I promptly forgot about it all. On 5/2/2012 a letter arrived from MBNA informing me that the current arrangement was due to end on 31/3/2012 and that a final payment of £0.00 would come out. On 20/2/2012 a further letter arrived from MBNA and in the same envelope was a letter from Moorgate. MBNA informed me that a letter was enclosed from Moorgate stating that my loan account was being transferred to AOF 2 Sarl as the loan had been purchased. The Moorgate letter gave a new account number stated that the terms and conditions remained the same and as from 16/3/2012 Moorgate will collect any direct debits. Various letters followed and on 11/4/2012 there was an amount of £392 quoted. Then came the incident that made my blood boil. After numerous letters I collected all the MBNA stuff I had determined to check it all out, these included bank statements of which June 2012 was the latest. Looking at June’s I saw a direct debit for £69.75 to AOF2. I phoned the bank and discovered that for 3 month Moorgate had been taking unauthorised funds from my account. I went ballistic received a refund and made sure the direct debit was cancelled. At the same time I looked at the MBNA papers and its unbelievable they have been helping themselves each month to whatever funds they deemed necessary between these amounts £69.75, £94.75 and £84.80. Of the 2 only statements there are extra charges of £25 for a default sum and interest of £23.74 each month. Also when I got copies of my CR files only Experian showed the loan with AOF2 as the owner a default date of 31/1/2012, default balance is £462 and current balance is £253. Unbelievably agreed payments of £69 over 72 months are quoted. The file also shows changes to the loan period on 4/12 it was 60, on 6/12 it went to 70 and on 7/12 it went to 71. I am spitting feathers to say the least especially when a letter from Moorgate arrived thanking me for requesting a direct debit instruction and asking me to complete it. I am toying with the idea of phoning them to come out so I can chase the toads up the street with my crossbow, seriously though I was planning on doing the following;- Sending a CCA request to Moorgate, then, Sending a SAR to MBNA so that I can start to get the charges etc back. Is this the correct action to take? Would you mention in the CCA request to Moorgate about the unauthorised deductions from my account? Thanks and sorry for the long tale of woe….

Hi there, I am trying to help my mother reclaim PPI she paid some years ago, she sent in the complaint forms in december..she quite quickly received a letter responding just to say her complaint was received and they will look into it. on the 3rd jan 2014 she received a letter it said this.. "Dear mrs **** Please accept my apologies for the delay in responding to you; however, our investigations are taking longer than anticipated. We will issue a response by 3/2/14" Then today this letter... Latter dated 20/jan/2014 "dear mrs **** Thank you for contacting us in relation to your complaint. I would appreciate it if you could please contact us within the next 7 days on ******** (phone number), this will allow us to progress your complaint If we do not hear from you in the next 7 days, we may provide you with a final response based on our findings from the information we hold Yours sincerely Tristen lynes" What i would like to ask is Should she phone back? Does she have the rights to phone them simply to acknowledge the letter but ask that all communications are done via letters so she has evidence and can build her case? or would it be better to send a letter first class recorded asking for all correspondence to be kept to letters not the phone?. does she HAVE to speak to them on the phone? Any advice would be appreciated:)

:!:hi. I am enquiring on behalf of my husband, he had a credit card with MBNA, they were sending letters offering me loans in sept 06. He rang them and requested £3000 loan was informed that they could not give him the loan as he had £6100 outstanding on his credit card with them, they offered him £7500 loan providing that £6100 was cleared of the card and balance put into his bank account and that my credit card limit reduced to £1000 . He agreed to this and took out the loan. his card limit was never reduced and he spent the limit on it. He has since been in default on the credit card for 5 years , would he have any recourse .? if so would you help us with the procedures as its all new to us. Thanking you in advance

Hi All I will try and give a quick back ground of what has happened since 2009. I got into money problems when my company went into liquidation in 2009. I re mortgaged to offer F&F to all credit cards and bank loans through accountant he managed to settle on all accounts except MBNA who never replied to his letters. Since then in 2013 I started getting the standard letters from DLC no telephone calls then in December 2013 I got a letter from Aplins stating if payment was not made to DLC they would be apply to take me to court. I got a court claim form in post dated 08/01/14. the sum is for £3500 which I don't have, why have they taken from 2009 to do this and why did they not just answer accountants letters when the money was there. Is there any good reason they have decided to do this now ? My MBNA account was opened in 1995 now I have a court claim against me is it to late to request if they have all the paper work ie terms and conditions etc I got a default notice dated September 2009 but credit card agreement was not the right number I then got a letter nine days later saying my account has been sold to DLC but account number they gave was not the right number it was even not the same number as default notice letter, is there anything I can do ?

2ND thread today! I am helping my brother with his CCA requests and now we get to MBNA. I wrote to MBNA on 27.3.9 requesting a copy of Credit Agreement. They defaulted the account on 01.04.09. ( although I am not sure if it is an actual default notice-I will try to scan it and post it)Then they wrote on 19.6.9 enclosing a copy of the agreement. It contains a copy of the signature form dated 26.10.03 signed by him and mentioning the credit limit. Then there is a form with personal information that looks like it is a form filled in from a phone call to him, then four more sheets containing terms and conditions ( which seem to comply with the act). None are numbered and could have been produced anytime but the last one has a typed reference no at the bottom containing the credit card number. How do we proceed here bearing in mind the papers were not sent until 19.6.9.

Hi im new here so i dont really understand alot of the things on here, firstly i applied for an mbna card some time in 2009 whilst at work however recieved a text message saying call us as they needed more information. A few weeks later although i didnt call they sent me messages saying please call to activate your card once you recieve your card. At this point i was like hmm as i didnt ring them up before so it seems like they just accepted me after all. I called up and told them i hadnt recieved the card and they seemed surprised but they said they would send another one out etc. Anyways 2 months later i get a statement for about 1500, i rang up MBNA and told them that i hadnt recieved the card and what the balance was for. They advised me that they had a picture of my doorstep and a signature from the person that signed for it, both of which i asked for but didnt recieve. i started getting letters, calls and all sorts of weird and wonderful conversations. I finally decided to stop talking to MBNA as a senior advisor blatently lied to me about recieving an emial from my own personal university email which was impossible and i have proof of this to. In the end they just put a default on my name, ive asked to be taken to court but they refuse, i am now being chased by ageis however they really aren't bothered and don't pester me too much to be honest. Also MBNA wrote to me stating on the basis of probability they cant say this is fraud or not etc. Also the fraud was on the card and on some cheques they has sent out which i didnt ask for. I dont know how the card was verified or acivated but they said someone had called many times and they believe it to be me. Ive asked for the recordings, and asked them to look at the signatures,cameras etc but they arent bothered one bit. i want to write to them to ask for all the details they have about me, I did the apllication over the internet and did not sign for anything. I dont understand what the cca, dn etc etc is Can someone please explain this. I dont know where i stand or what to do but one thing is for sure, getting a job is proving way to difficult due to the default. Any help would be greatly appreciated Thanks in Advance xx

1st Credit have replied stating they do not have my cca and that at present they cannot enforce the debt:). A paragraph from the letter says "you have not specified upon which ground you rely for your notice under s10 of the Data Protection Act and therefore we do not consider this valid: furthermore this is not a valid request as it falls under the exemption in Schedule 2 section 2(a) of the Act" could someone kindly decipher that paragraph for me!!!:-|

Hi guys, I've been trying to read and learn as much as I can from this site, but there's a lot to learn! I used to have a Vanquis credit card, unfortunately I couldn't afford payments because I was off work for a few years due to illness. Apparently I defaulted in November 2010 (according to my Noddle credit report), I've been receiving letters from Lowell but I've been throwing them away, hoping that the debt will become statute barred and forgotten about. The other day I got a claim form from Northampton County Court (I've attached the form), they are claiming a total of £1,970 even though my Noddle report says the debt is £1,653. I don't know how to proceed, and I can't afford any legal advice. Since being too ill to work for several years I have recently set up my own business that I'm trying to get off the ground, but I'm not making any money from it yet. I only get Housing Benefits and Working tax credit, and I have to pay for my business costs as well as my personal costs, so my outgoings are far more than the small amount of money I've got coming in. This is all made more difficult by the fact I suffer from ADHD and an anxiety disorder. Anyway, can anyone suggest how I should deal with this? Should I fill in the court forms saying I admit the claim, or part of the claim, or dispute it? I expect some of this amount includes 'unfair' charges, is there anything I can do about that? I can maybe borrow £200-400 from my parents to offer them a full and final settlement, is this a good idea? Do you think they'd accept this? I just want the problem to go away without damaging my credit record any more than necessary.

Received a court claim on the 17th April 2015. Claimant: MCE Portfolio Ltd Solicitor: Optima Legal Services Original Creditor: MBNA Claim Amount: £2600 Particulars of claim “The Claimant’s claim is in respect of a credit agreement regulated by the Consumer Credit Act 1974 whereby MBNA – CREDIT CARD ‘Original Creditor’ provided the defendant with a credit card. In return the defendant agreed to pay at least the minimum payment given in the statement. A default notice was served on the defendant which has expired and upon which the defendant has failed to comply with. A Notice of Assignment has been sent to the defendant notifying them that this debt has been assigned to the Claimant. The Claimant therefore claims the sum of £2600 plus costs. The claimant has complied with sections III and IV of the practice direction on Pre-Action Contuct.” AOS filed online on the 1st May CCA & CPR31.14 sent by recorded mail on the 5th May Received reply from Optima dated the 14th May “We refer to the above matter and your letter dated 05 May 2015, the contents of which have been noted. Please note we have requested the required documents from our client and will forward these to you in due course. We agree to an extension of 14 days from the date the documents are sent to you, to enable you to file your defence. We trust this is in order. Yours faithfully Optima Legal” Sent email to court office: “Re Claim No. XXXXXXXX. I wish to confirm that an agreement has been made between myself XXXXXXXX (The Defendant) and Optima Legal(The Claimants Representative) to extend the time for me to file my defence. Please refer to the attached documentation relating to this matter. Kind Regards XXXXXXX” Reply from Court Office “Good afternoon, Thank you for your email. This has been noted on the court file. I hope this assists you with your query, If you should require any further assistance then please do not hesitate to contact us. Regards” I am not sure what I should do now, can anyone help me with this?

I currently have 3 credit card debts which have been defaulted and are now with DCA's and have been paying them off to varying degrees for 5 ish years. I'm in the position where I can offer reasonable full and final settlements, so decided to send CCA requests to them all to hopefully help me with the negotiation. None of them replied within the 30 days so I stopped paying. I'm not trying to avoid paying, just negotiate a reasonable figure. I've had a response back from DLC re an MBNA card I took out in November 2002 ( I have 2 with them). This card is showing on my credit file as defaulted in June 2010 with a balance of £11239. The current balance is £6139. They've actually sent me a CCA which is signed and dated by me from 2002. The form is signed on the front and the terms on the back, it's a cheque book sized form. They've also included what looks to be reconstituted terms which is 7 pages long but not signed. The signed form seems to have all of the prescribed terms, so may have made my situation worse rather than better. I've ticked the "no PPI box". My query is, the signed document states 15.9% APR but the other version states 23.9%, does this make any difference? I haven't sent an SAR so don't know what I was charged.. They're obviously asking me how I intend to clear it, which I haven't responded to yet. I'll try and pay the £25 per month I was paying before although they've got a stronger case now. Any advice would be appreciated.

I had a case heard last week it had been going on for some time, I fought the case with the info and help I got from this site, they claimed 5.5k, as far as I knew it was a disputed debt -the paper-work I requested despite 2 adj never materialised, when cross examined I hadn't received anything they claimed had been sent, I had a statement showing £40 per month for ppi also, a letter when I tried to claim after serious accident stated, they would only reduce my monthly re-payment, only thing ruffled me at court was when he asked if id contacted the ombudsman I replied, as far as im aware I complied with everything required. in the summing up the judge said happy defendant had agreement used card ran up a balance however on the agreement the box is ticked ppi they wouldn't pay when I needed as was self employed so was white elephant ruled in my favour, ppi miss sold reckoned im owed 6k, gave them 3 mth to prove any difference also£90 costs... this had been going on yrs with different dca's im not the cleverest person on computers or paperwork. the help and information from this site has been invaluable many thans for your time and patience.. I will certainly be making another donation this week

I’ve just been reading this recent post on an MBNA CCA which got me looking at mine so I was hoping to get some advice. Summary: defaulted MBNA CC in about 2008, account passed on to Link Financial in 2009. Paid via a DMP until July 2013, since then paying Link directly, but it’s not on my credit file any more. Did a CCA request and got back the attached which I thought looked legit so carried on paying them. A couple of observations: The Credit Card Agreement on p7 has my present address (which I’ve blanked out), not the address when I took the card out and has £12 default charges on p8 so can’t be the original one from 1999. Does that have some implications? Unlike B733's mine has conditions 1 and 2 but on page 4 the Ts&Cs say “Please refer to your Credit Agreement for conditions 8 and 9” but if the agreement is not the original one how will conditions 8 and 9 be the same? Would someone kindly cast an eye over what they’ve sent and offer advice? It's long and I do appreciate anyone taking a look. I haven't done an SAR yet but that would be my next step. Many Thanks

Hello, I am hoping someone can give me some advice. I have a £10,000 debt with MBNA which resulted in me going to court and a charge being placed against my house. Basically I pay a set amount each month, but if I sell my house they get paid the full amount. The only problem with this is my house is in negative equity to the tune of around £30,000 Due to a serious operation it looks like I may be dismissed on capability ground as Occupation Health feel I am no longer able to do my job and due to cutbacks there is nowhere else to place me. My debt with MBNA is managed by Optima Legal who have said they will only accept offers of 85% of the debt. If I can offer less they have said they will put it through to the 'client'. I have spoke to MBNA who have said that it is Optima who make the decision. Prior to the debt going to Optima MBNA offered me a settlement figure of £2800 which I didn't have at the time. I'm trying to do the right thing by sorting out a settlement figure now - before I lose my job as I am pretty sure once that happens the amount I will be able to pay them will drop to literally a couple of pounds a month. Has anyone any thoughts or experience of what figure MBNA would be likely to accept? Thank you for reading this far. Hx

Hello everyone, I'm not sure if this is the correct place to post this...hope so. I wonder if I share a story, if anyone can offer advice please. 9 years ago, due to illness and family tragedy, my husband got into financial difficulty. Via the CCCS, token repayments to creditors were agreed an interest suspended. Since then, payments have increased in line with affordability. We have reapid a considerable amount, but still have a fair way to go. I know some will say, 'why didn't you try to go the non-cca, unenforceable route' but, all apart from one were helpful (I did get SD set aside re Arrow Global as they wouldn't play ball) so did not want to pursue the fight with the others. Fast forward to now and our circumstances have taken a turn for the worse and, due to a reduction in income (husband self-employed and work slowed, loss of income due to ongoing health issues and hospital visits), we can no longer afford the current repayment levels, so we have written to the remaining creditors to explain the situation (and included an up-to-date I&E). The one I would like to ask advice on is Idem. ORIGINAL DEBT TO MBNA APPROX £7800 APPROX MBNA PAID £4400 APPROX PAID TO IDEM SO FAR £2000 Original Creditor MBNA agreed a repayment programme that, provided we kept to until they were repaid, they would leave us alone (which they did). We continued the payments, then in September 2012, we were advised that they had sold the remaining debt to Idem Capital Securities Ltd, but that the agreement would continue (which it did). We began paying the same payments to Idem but, we cannot afford these now. Idem has written (see letter C) saying that they need express consent to process the information in our letter and I&E, either in writing or by a phone call. As we won't deal with any of this at the telephone, the signed confirmation is the only option. DO WE HAVE TO SIGN AND RETURN THIS? WHAT ARE THE IMPLICATIONS IF WE DO? WHAT IF WE DON'T? What we don't want is for them to 'get heavy' with us, because we can't pay what we can't currently afford. If the repayment programme with MBNA was in place and a default notice never issued as a result (don't have one in file anyway), when the debt was sold to Idem, did that terminate the account and could Idem take us to Court if we can't agree on continued repayments? Any suggestions on how to proceed? Thanks Sorry, forgot how to attach copy letter, it's been so long since I posted on here!! Think this should work. Didn't-too small, sorry. Hoping this works. Can someone let me know if you can see this copy ok. If not, I'll try the other suggested method. Stigman, Thanks for the response. Yes we do have our own house (with equity, I'm afraid). You said send a CCA request (to Idem I presume). Is that n preference to a SAR (to MBNA)? Also, do you know anything about the request to sign the 'express consent' letter and whether we have to do this in order for them to look at our chnge of circumstances/I&E? I've got all the MBNA statements so I can look at them with regard to charges and a possible reclaim. How far can I go back?

Hi all, I hope someone can give me some helpful information please I have a £5500 debt with MBNA which I am trying to pay off. I have incurred over the last year or so many charges for late payments of over credit limit fees (at £12 per time) . I read somewhere that you can possibly claim these charges back, and so if successfully will help continue to pay the debt. Has anyone heard or seen this happen before? And if so could anyone offer advice on how to start? Many thanks

I have been told by a company called [removed] that there is potential PPI on 2 cards with MBNA I had previously. I have contacted their Customer Service Department via email to ascertain the accounts numbers. Does anyone here know the address to submit claims to. I have a debt of around £925 and had the card for around 2 years, it might not be much but every little helps! Cheers!!

Hi all I have recently had the delightful Scotcall get in touch with me about a former MBNA debt of 5K+ Some time ago I got a letter from MBNA stating they could not locate a credit agreement so would not be pursuing the debt. It was then sold to Aegis who backed off and now some years later Scotcall. After requesting a credit agreement they have sent a photocopy of an agreement signed in a supermarket- not an agreement as I would define one. Any ideas on where I should go with this??

Hi When MBNA sell a debt on to a debt collection company, in my case Moorgate, should the original defaulted MBNA record stay on my file? I had two MBNA credit cards, both defaulted in 2011 when they sold the debts on to to Moorgates, (having not missed any payments!!) yet both MBNA remain on my credit file as closed in 2011. The Moorgate accounts are on my file as well, shown as closed Feb 2015 because I've just paid them off. Should these accounts be duplicated? When First Direct sold my debt to Arrow Global the First Direct account disappeared. Thanks you

I have a number of defaulted agreements dating back to 2010 all used for business back in 2008, but legally (another hard lesson) in my name and therefore didn't fall into the company administration. In retrospect, I should of gone personally bankrupt, but was advised down a very poor route by a "friend" and financial adviser involving Momentum networks and a con man called Basil Rankine, I was desperate and he took the rest of what I had left and I was left with the debts and a whole lot of grief for many years. All my fault I know and I'm paying for it. For over 6 years I've lived in a rented shared room on my armed forces medical pension at 45, but enough of the violins, now I want some control back in my life, I wonder if you can help. I recently received a notification of changes to my credit file at Equifax, I contacted them and found a new agreement in the name of Arrow and a previous MBNA agreement had been "settled", sold. I've not had credit since my business failed in 2010 and my personal issues followed. So being in a better emotional place and now rebuilding my life, I decided to use this as a catalyst to review my finances. MBNA outstanding now with Arrow Global is £5748.62 I reviewed the MBNA statement adding up all transactions, payments and charges A summary of payments versus receipts below: Card Transactions: £13,642.13 Balance Transfer: £ 3,741.51 Total balance: £17,383.64 Receipts: £16,029.91 Balance minus receipts: £ 1,353.73 Total MBNA fees & charges: £ 4,067.97 From February 2007 and May 2010, a total period of just over 3 years, exactly 39 months, I paid MBNA Europe Bank Limited an average of £411.02 per month, a total of £16,029.91, a great deal of money in a very short space of time, especially considering my financial state, little wonder I needed long term therapy afterwards. There were 39 months of transactions averaging £349.80 per month totalling £13,642.13 plus a “balance transfer of £3741.51” totalling £17383.64, leaving £1,353.73 outstanding on the card, plus any charges, remaining to be paid, a monthly average of £34.71 which should have been relatively easy to manage and looking at my finances. However, during the 39 months life of the card, MBNA Europe Bank Limited charged £4,067.97 in fees and charges, a huge amount considering the balance, limit on the card and the total number of receipts made. I contacted MBNA stating the situation was unfair, adding interest to the charges and willing to minus the outstanding balance from the charges and they can repay me the rest, I sent two letters, they ignored both. I followed up with Arrow Global and they have now responded, and I've attached that response to their "investigation". In my opinion and in retrospect, this shouldn't even exist, but I'm obviously going to say that. But given the numbers of charges and the type of charges, what is the legal stance on this and is there any point even pursuing MBNA or Arrow through the courts, I would have to borrow the money to pay legal fees, which I understand is £280 before I even start. Is the Financial Ombudsman a valid route for a complaint such as this? In 2008 the defaults are removed I think after 6 years, it would be nice to be able to get a mobile phone that doesn't cost a fortune to send a text or make a call, I live on skype. Thanks for your help, kind regards

Hi Guys, I had a credit card debt with MBNA that was sold to Aktiv Kapital. the last payment was made in Feb2009 so by my reckoning this is now possibly statute barred. I have looked through many threads on here for a definitive answer to what date a statute barred debt is calculated from but couldnt find one. but found some conflicting answers on other web sites. for example the link below say from last payment. http://moneyaware.co.uk/2013/10/statute-barred-debt/ but this web site link below says that depends on what your agreement says. https://www.nationaldebtline.org/EW/factsheets/Pages/25%20EW%20Time%20limits%20for%20recovering%20debts/Page-02.aspx Please can somebody tell me who is correct.

I have checked my credit file and it seems that MBNA sold a few of my credit card debts to MAX recovery who has also made an entry on my credit file. It seems after bacnrupcy the debt was sold to MAX. I thought only the Oringinal Creditor can mark credit files?

Received a County Court Claim Form for an MBNA debt. Just need to get straight on how to deal with this. 1) I need to return the "Response Pack" saying I intend to defend all of this claim which will give me 28 days to prepare my defence. 2) Send a CPR 31.14 request (thinking of basing one on the request in this thread http://www.consumeractiongroup.co.uk/forum/showthread.php?369149-Arrow-Global-MBNA-Shoosmiths-Claim-Form-arrived..) to Shoesmiths together with a S78 CCA request to Shoesmiths Should I send a SAR to MBNA too? Card was originally taken out around 1993 so I believe they may not have an enforceable agreement. I also believe MBNA's default notices were defective. I'm pretty sure that they added PPI without asking me and there may be default charges. Debt is 5 years old so not statute barred yet.