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LINK dca now has my MBNA account and has now sent me a ccj

kevinski1966

By kevinski1966
in MBNA

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dx100uk

dx100uk

Posted
Posted

I take it this is a diff MBNA card from the one IDR got the CCJ on?

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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citizenB

citizenB

Posted
Posted

You should speak to Stepchange about this.

 

In the first instance, MBNA should have advised PRA that there was a DMP in place when they sold the account on (but they wont have done that)

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ericsbrother

ericsbrother

Posted
Posted

Yes, it does seem likely they have bought the debt and dont want to settle for the amount they are getting so are trying to bully you into breaking the agreement in place and pay them more. In the meanwhile as you have had no notice of assignment then you carry on paying through the dmp and ask stepchange if they have been notified of anything different/had payments returned by MBNA

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kevinski1966

kevinski1966

Posted
  • Author
Posted

Just checked my dmp statements on the Stepchange website and PRA appears on the list of creditors being paid.

 

 

I have asked Stepchange to provide me statements from the the first payment

to find out when they were added to the list of creditors and to see who they replaced!

 

 

I will be calling them on Monday hopefully because they have no one on the phone on the weekends

 

But thanks all for your replies and support so far.

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renegadeimp

renegadeimp

Posted
Posted

If the debt is with a DMP and its been sold on while you were mapying into the DMP, then get doing your homework!

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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dx100uk

dx100uk

Posted
Posted

CCA request to everyone you are blindly paying via step change!

 

 

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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kevinski1966

kevinski1966

Posted
  • Author
Posted

Hello dx100uk

I have been looking at the CCJ information and i can see IDR had taken over the debt from MBNA.

 

Then the after the CCJ was brought about I have been paying through stepchange.

 

Now it appears that that IDR have sold the debt to PRA group.

 

Can they do that?

 

I take it this is a diff MBNA card from the one IDR got the CCJ on?
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dx100uk

dx100uk

Posted
Posted

so this is the debt that IDR got the CCJ on then?

 

 

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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dx100uk

dx100uk

Posted
Posted

did link get the CCJ or batted them away.

what happen with the court case please?

 

 

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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dx100uk

dx100uk

Posted
Posted

ok well as payment was switched to PRA

and its been paid several times?

there not a lot you can do

you or Stepchange on your behalf? have accepted the arrangement.

 

so what were you ordered to pay by the judgement made?

 

you should not be paying more than that PCM.

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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kevinski1966

kevinski1966

Posted
  • Author
Posted

the amount I am to pay monthly is the original amount of £43.64.

ok well as payment was switched to PR

a

and its been paid several times?

there not a lot you can do

you or Stepchange on your behalf? have accepted the arrangement.

 

 

so what were you ordered to pay by the judgement made?

 

 

you should not be paying more than that PCM.

dx

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dx100uk

dx100uk

Posted
Posted

ok that's great then.

 

 

I would CCA the lot.

 

 

always suspect where LINK are involved.

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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  • 2 weeks later...
kevinski1966

kevinski1966

Posted
  • Author
Posted

Hello dx.

Sorry for the delay in replying I have been away.

 

 

Just a question to ask about sending a CCA.

 

 

Does the fact that I have already been paying these dca's

mean that I have cut off that route in challenging these arrangements?

 

 

It was my understanding that by making payment in response their request

meant I accepted/ created a contract of payment with them.

 

ok that's great then.

 

I would CCA the lot.

 

always suspect where LINK are involved.

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dx100uk

dx100uk

Posted
Posted

nope means nothing.

 

 

get those CCA request s running.

 

 

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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