MBNA CC debt, sold to Hillies, DLC issued court papers

[francoe]

Forgot the letter template that was used for the NOA.

 

Why have they not sent a copy of the letter.Does this mean anything?

 

Thanks

[AndyOrch]

But did you make payments after the assignment to them ...that is far more important ?

 

Regards

 

Andy

[francoe]

Hi Andy

 

Ah well this is where are defence will flaw.Way back in 2009 after getting trouble we were advised by cccs to what ever you do keep paying regular monthly payments.We were green.

MBNA said in above posted letter to pay dlc/dtl at that address.Not wanting to miss a monthly payment we posted cheque with giro slip to dlc & continued to do so.

We didnt actually receive a NOA from dlc whether this means anything.

I have had NOA from other debtors last year that seem to be very informative.

 

Oh well.Thinking we were doing the right thing by keeping regular payments it would appear we have hung ourselves.

 

Another lesson learned.Dont pay.

 

Thanks

[francoe]

Hi

 

Just an update.

 

Have opted for a settlement at 50%.

 

So no court no charging order debt gone.I consider this a victory others may not.

 

A victory as we never denied the debt.

 

Any way i have received a letter stating accepting my offer in full & final settlement of this matter.

 

The only thing i am not sure about is that it is headed "Without Prejudice save As To Costs"

 

I have found an explanation on net & it refers to what is known as a CalderBank Letter.

 

So i am asking, if i make the payment i am not leaving myself open to any further action.

 

Thanks R

[BRIGADIER2JCS]

Hi an offer such as this in F&F settlement should be conditional on:

 

 

That any remaining balance is not to be sold or assigned to any 3rd party for collection and that CRA file are marked as satisfied.