MBNA CCA Update - Advice wanted

hbslc

What's the process for taking MBNA and/or Link to court to remove the default?

nottoolate

hbslc wrote: »

What's the process for taking MBNA and/or Link to court to remove the default?

removed on what grounds? lack of a credit agreement isn't nough if the default is accurate.

deepindebt102

Hi Guys,

I do not want to hijack your thread but I am in a very similar situation and would appreciate if you could share your view with me and help if you can.

I have a CC debt of £24.5k from MBNA what I could not pay due to job loss and health issues.

I tried to negotiate with debt collectors, offered 30% but turned down and referred it to Prestons, they went to Court right away. I have defended the claim (filed online in December) and then they requested to transfer the case to my local Court close to London, (where I used to live).

I was already abroad that time and did not get the mail about the transfer and the hearing so could not attend.
On the hearing they have struck out my defence and now I have 2 weeks to file something otherwise I guess it is CCJ. Not sure really, never been to this situation before.

The credit card was opened on 14th 09 2006! I was reading around and it seems it is good if the CC was opened prior 2007 but could not find why?

What you guys think, what options do I have to avoid CCJ?

If necessary, I could make a payment for final settlement in the region of 5-6k, not really much, do you think there is still scope to negotiate or offer this?

Any help is much appreciated!

Regards,
John