Scott & Co for MBNA

[Guiness_Original]

Hi, I need some advice on what to do next.

 

I have a defaulted MBNA debt which changed hands to Experto Credite.

 

I managed to fend off the phone calls for a time

 

then got a letter from Aktiv Kapital informing me they had purchased the debt from Varde Investments on 31/3/2012

and had requested Experto Credite to continue contacting me.

 

I then received 3 letters from CMC.

 

The first on 19/6/2012 was a Fantastic Offer to reduce my account by 50% if I agreed to an instalment plan.

 

The second on 7/7/2012 with which I was offered a choice of discounts depending on what sports I was interested in.

 

The third on 20/7/2012 was a final demand or else!

 

it got passed along to Scott & Co who seem to be getting a little heavier handed about it,

but referred on their letter as the debt being due to Experto.

 

The first from them on 3/10/2012 was a demand to settle the debt within 10 days.

 

The second on 18/10/2012 they had no alternative but to consider instructing legal proceedings.

 

I then decided to send off a CCA request which was sent on 30/11/2012.

 

I did not receive anything from them until 8/2/2013 which had a signed copy of an application form/credit agreement.

 

I now have a letter "Notice of intented court proceedings" with the creditor still listed as Experto.

 

If I send a SAR to MBNA to try and remove excess charges and PPI can they still initiate court proceedings?

 

Also, can they actually pursue this in court for Experto when Aktiv Kapital own the debt?

 

Any help would be appreciated.

[Old Cogger]

Pont 1:= Experto act as agents for Vardi.

Point 2:- CMC are the next desk = Experto

paoint 3 = Experto sold a lot of debts on to A.K. who offer the worse repayment plans, as they only give discount in the order of the fact pay up over 3 payment = the longer you take the less discount you get after 7 years 5%. get your CCA and see if it is enforceable, also SAR for charges aS THESE WOULD BE A counterclaim.

[Guiness_Original]

How can I tell if the CCA is enforceable?

[Old Cogger]

if you have a copy post up here minus your details if not send a CCA1974 request to to A.K. who should get a copy for you enclose a £1.00 postal Order marked on the back " For CCA1974 " purposes. they have 12+ 2 days to respond, thee peeps on here can then advise you.

[maroondevo52]

Are you in Scotland and what have Scott & Co actually said in their letter.

[Guiness_Original]

Yes, I am in Scotland.

[dx100uk]

always PDF attachments

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[Guiness_Original]

Thanks for the help DX, quality of CCA is not great but the letter should be OK now. The CCA is signed but sig removed.

[dx100uk]

thread tidied

 

dx

[dx100uk]

atts unaproved

 

you let ref numbers and page 3 is blank?

 

can you get your cra file please

see below

ignore those letters

dx

[maroondevo52]

You have to be careful when Scott & Co get involved, tell us if you get any more letters from them.