Hi
My sister had two large credit card debts, one with MBNA (€12,000) and one with Halifax (€12,000).
She was back and forth with MBNA trying to agree some sort of repayment plan but it never went anywhere. She hasn't heard from them for circa 2 years and her ICB record states "Written Off".
With Halifax, she tried to agree a repayment plan but was unable to. They passed the debt to a third party to whom she now pays €80 per month. For this one, her ICB record says something else ("Withdrawn" I think).
The MBNA balance on the ICB report is dated two years ago but the Halifax one is pretty current.
My queries are whether people think that MBNA have "gone away for good" and whether a settlement with Halifax's debt collectors will trigger a further 5/6 year problem period on her ICB record. As things stand, it appears that her record will be clean in Q4 of 2016.
Many thanks.