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MBNA debt - Mortlake Recoveries now Passed to Arden CM


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Hi all, my first post here, hope all are well. Am seeking some educated advice and from my reading of other threads this looks like the place to ask I hope.

 

So the background...

 

I used to have several cards/loans that I ran up and couldnt pay (yep fool i know but that was a while ago now, single, out every weekend etc) summing almost £15k

 

I ended up with CCCS and cleared much of it.

 

I then came into some money with which I got settlement figures from 4 creditors & used all the money and paid them..

.MBNA would not give me a settlement figure & by this time I was out of the DMP with CCCS as I only had MBNA left. This was summer 2010.

 

After requesting settlements & hearing nothing,

I sent about £50 a month and was passed to Mortlake Recoveries in Jan this year.

I had the card initially from around 2005. It was around £4200 in 2008 and is now at £2400.

 

I missed a payment to Mortlake in April by mistake which I explained to them was due to stress at home

( our son has autism) and then I caught up in May but in June they have passed me on to Arden CM.

 

I have set up a standing order to them of £50 a month...

the first one was paid 1/7/12...

they keep writing saying Im ignoring them and havent made an attempt to deal with the matter...

they call 8 times a day.

..I ignore them as I only contact in writing..

 

.however they only seem to receive "signed for" letters...surprise.

 

I rang them today and was told that I need to make an official arrangement with them for repayment over the phone and I cant just send money every month..

.I thought this was odd-they either want the money or they dont surely.

 

He also said I need to do a I&E over the phone...I said Id ring back.

 

Am I correct in saying.

..an I&E is not compulsory & my I&E is private unless a result of a court hearing and then only known to the judge?

Should I write & tell them they have no right to know this?

 

Should I also send them the request for the CCA and stop the standing order?

 

Also Im seeking info on the "no phone calls or doorstep visit" letters as they are threatening that now.

 

Hope my waffle makes sense

 

thanks for your time guys

 

Paul

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something smells here.

 

firstly can you get a copy of your CRA please

 

see below noddle is free.

 

2nd i think you really need to SAR MBNA.

 

lets get the TRUE status of the debt and everything that has happened.

 

[as a side issue too, you might it useful to SAR ALL your old creditors

and look at reclaiming PENALTY charges & PPI]

 

as for the CCA good ide

 

Mortlake Recoveries & arden are bottom feeders

typically they take on 'lemon' debts that no-one wants.

 

because they are un-en one way or another.

 

by the way they are acting [push push push]

 

me thinks they know you will soon be onto them

and they are trying every trick in the book

to get 'something' out of you

before you discover you've been cash cowed.

 

ever had any discount offers on this debt?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx

thanks for the swift reply...

 

I have had PPI back from all the other creditors already but never pursued with MBNA as in all honesty I felt guilty drawing out paying them for so long

 

No discount offers ever no...the guy today asked me to pay in full...I said if I had £2400 Id have paid mbna years ago.

 

I will use "noddle" now & let you know,

thanks

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so do you think th MBNA debt is listed twice?

 

or you had two mna cards at sometime.

 

oh and you need to stay off that phone!!

 

never ever talk to a dca on the phone

 

they have no legal powers whatsoever

 

so it looks like Moorgate Britannica now own the debt?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so do you think th MBNA debt is listed twice?

 

or you had two mna cards at sometime.

 

oh and you need to stay off that phone!!

 

never ever talk to a dca on the phone

 

they have no legal powers whatsoever

 

so it looks like Moorgate Britannica now own the debt?

 

dx

 

Not sure who owns it...I assume arden now do ... I only ever had one mbna card. I assume my credit file says satisfied next mbna as they sold it so to them it is , hence the new owner part saying its in default.

I will move forward with the cca I think and go from there.

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Can I add in to the same letter about them stoppiong ringing / threatening visit? They can't do those things during default can they as I'm putting it in default by asking for the cca...that is my understanding?

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they have not failed the cca deadline yet, so's it not in default...........

 

you can send those letters anyhow.

 

but

 

in MY OPINION you keep sending of various letters

they'll think they've found a mug to fleece

 

send the cca to them

 

and an sar to mbna

 

then sit tight.

 

no dca has any legal powers anyway

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Well today I've been sent a final reminder before solicitors...as I've made no contact or attempt to solve the problem...funny how that is as they have the cca request which I thought was a perfectly legal and reasonable ask?

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haha

 

fake/tame solicitr more like it

 

guy at next desk in a diff skirt more like it!!

 

no more powers than a dca has......NONE!!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Well today I've been sent a final reminder before solicitors...as I've made no contact or attempt to solve the problem...funny how that is as they have the cca request which I thought was a perfectly legal and reasonable ask?

 

You might say that you did not send MBNA the minimum payment for the account so they are unable to read your CCA request. Spoiled brats?????

 

dpick

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  • 2 weeks later...

Hi all; tomorrow is the 14th working day since I sent the cca...had no response, no letters for 5 days, no calls for 2 days and one text yesterday. Where do I go from here? Thanks

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failure to comply letter?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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