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IND/Hagarty claimform mbna card debt - I won & got PPI sorted too!


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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

Edited by designer 14
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was this actually MBNA that was the claimant

or a debt buyer?

 

 

well done thought!

 

 

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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Did you Counter claim for the ppi?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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and the debt buyer was?

 

 

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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ah that lot

 

 

they always try and pull stunts like that.

 

 

so it wasn't MBNA that took you to court it was IND

 

 

who were the sols

hagerty?

 

 

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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Share on other sites

yea ind have to pay them

 

 

sorry for all the questions

just wanted to get the story correct and change your thread title.

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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ok back to your question

 

 

as far I read it

they have 3 mts to prove that you owe anything after the PPI is refunded

 

 

now , you either knock up a spread and get reclaiming

 

 

or leave things alone I assume...

 

 

when did you open the card account?

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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Share on other sites

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