Help! Notice of intended proceedings received

tishywish

My MBNA debt has been passed to IQOR recently, and the first I heard of this was a phone call on 4th Oct from them asking me to contact them. I received a letter from them on 5th Oct stating that I owed them x amount and to contact them immediately.

I wrote to them telling them I will only deal with them in writing, and that I'm in an arrangement with Payplan. I heard nothing further from them until another phone call earlier this week, so I wrote back to them with a more strongly worded letter about phone calls and also sent them a CCA request.

Today I received a letter from them stating that they are preparing documents for court proceedings. They say that I owe them a different amount now, which is lower than the previous amount by the amount I'm paying through Payplan so they have obviously received a payment since I first heard from them. They want full payment but haven't given a date.

Should I write to them again asking why they seem to be ignoring my letters or to remind them that the account is now in dispute and they can't take any further action yet?

scaredy_cat

bumping to front page...

RAS

tishy

This is probably a panic measure to get you to cough up before they default. Often happens in response to a CCA request.

tishywish

I've already got a default from MBNA (and had a similar letter from them before this was passed to IQOR) so can this lot also default me? Although their letter is dated 12th Oct and my CCA request was sent on the 15th I am wondering whether this letter was sent in response to my CCA request and they've just backdated it.

RAS

Does not really matter as once the CCA request is sent they can take you to court but your only required defence is that they have no CCA.

stapeley

Could be but you should do everything by the book . Wait for the time limit then send a default letter to them . Do not worry you have been making payments as arranged through Payplan . Any Judge seeing you are dealing with your debt will throwout any claim . The DCA will know this so do not panic , they are trying to scare you into paying more stay firm, and refuse to confirm security details if they call .

tishywish

Thanks, that's reassuring.