myself v MBNA advice please

[davidm]

Re: myself v MBNA advice please

got this from experto credite how shall i respond to this one .??

this is the one with £300 balance on it

[Pixie]

Re: myself v MBNA advice please

You find that after the initial flurry when they realise that you're not giving in to their threats

[MrsD]

Re: myself v MBNA advice please

no news is good news

[davidm]

Re: myself v MBNA advice please

mbna and dcas have been very quiet for a while now

[davidm]

Re: myself v MBNA advice please

Have removed the attachment. Thanks for reporting Vint.

oh thanks flowerpower thought i had deleted them

ok will just file it under B.S

[Riz]

Re: myself v MBNA advice please

Yep, they have to send one out every so often under the CCA2006 provisions.

See Consumer Credit Act 2006 - Explanatory Notes

If they don't send them when they should, then until they do send one some agreements aren't enforceable. So they will send you one of those every 6 months or so to stay on the right side of the technicalities.

No big deal. Just file it.

[vint1954]

Re: myself v MBNA advice please

I still get these "Notices" re. a debt that started off with Alliance & Leicester, went to Global Debt Management, then to Fenton Cooper.... and then.... can't remember where, to be honest.... but it's Santander who send them out now; every 6 months or so.

They're not worthy of a response.... although I'm sure they're hoping to get one. Just file it/them away somewhere.

Indeed, as ELD says, they have to send them every so often under the new rules.

And a Statement of account every 12 months.

[PriorityOne]

Re: myself v MBNA advice please

I still get these "Notices" re. a debt that started off with Alliance & Leicester, went to Global Debt Management, then to Fenton Cooper.... and then.... can't remember where, to be honest.... but it's Santander who send them out now; every 6 months or so.

They're not worthy of a response.... although I'm sure they're hoping to get one. Just file it/them away somewhere.

[MrsD]

Re: myself v MBNA advice please

it's exactly what it says on the tin

you've got it cos you've missed a payment or two

they have to send you that.

We've got quite a collection...................

[vint1954]

Re: myself v MBNA advice please

just got this today what does it mean ???

Davidm,

Your details are still on the word attachment, name, address account number.

Vint

[davidm]

Re: myself v MBNA advice please

just got this today what does it mean ???

[davidm]

Re: myself v MBNA advice please

email sent niddy

[davidm]

Re: myself v MBNA advice please

ok sent the second letter

[davidm]

Re: myself v MBNA advice please

Send one of these------

• CCA Query - Missing Prescribed Terms
• CCA Query - Application Form Received

think the 2nd one is better .

[Deepie]

Re: myself v MBNA advice please

i photographed them as they sent them i thought there was no sigs on one of them shall i send the failed letter ????

Send one of these------

• CCA Query - Missing Prescribed Terms
• CCA Query - Application Form Received