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Hi
I had a credit card debt with mbna which i was in a arrangement to pay £26 per month (this shows as on credit file as ap) in 2012 this was sold to idem servicing and i carried on paying the arrangement. I now have the chance to clear the debt if they accept a lower settlement figure but they wont, and i can no longer pay the monthly arrangement. i have read about getting sending a cca to get a copy of the original agreeement but i am a little confused.
where can i get a copy o the cca letter with the correct amendments for this debt ?
as i have been paying since idem took over the debt do i have a leg to stand on ?
what is the best course of action ?
thanks
I had a credit card debt with mbna which i was in a arrangement to pay £26 per month (this shows as on credit file as ap) in 2012 this was sold to idem servicing and i carried on paying the arrangement. I now have the chance to clear the debt if they accept a lower settlement figure but they wont, and i can no longer pay the monthly arrangement. i have read about getting sending a cca to get a copy of the original agreeement but i am a little confused.
where can i get a copy o the cca letter with the correct amendments for this debt ?
as i have been paying since idem took over the debt do i have a leg to stand on ?
what is the best course of action ?
thanks
