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  • #76
    Re: myself v MBNA advice please

    Originally posted by davidm View Post
    just got this today what does it mean ???
    Davidm,

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

    Vint

    Comment

    • #77
      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...................

      Comment

      • #78
        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.

        Remember the mantra:
        NEVER communicate by 'phone.
        Send EVERYTHING by Recorded/Special Delivery
        Keep a copy of EVERYTHING sent
        Keep hold of EVERYTHING received
        PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #79
          Re: myself v MBNA advice please

          Originally posted by PriorityOne View Post
          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.

          Comment

          • #80
            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.
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #81
              Re: myself v MBNA advice please

              Originally posted by Flowerpower
              Have removed the attachment. Thanks for reporting Vint.
              oh thanks flowerpower thought i had deleted them

              ok will just file it under B.S
              Last edited by davidm; 1 June 2012, 19:09.

              Comment

              • #82
                Re: myself v MBNA advice please

                mbna and dcas have been very quiet for a while now
                Last edited by davidm; 14 October 2015, 18:04.

                Comment

                • #83
                  Re: myself v MBNA advice please

                  no news is good news

                  Comment

                  • #84
                    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
                    Let your smile change the world but don't let the world change your smile

                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #85
                      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
                      Attached Files

                      Comment

                      • #86
                        Re: myself v MBNA advice please

                        if this is the first contact from Experto Credit send the account sold in dispute

                        Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

                        Comment

                        • #87
                          Re: myself v MBNA advice please

                          Originally posted by MrsD View Post
                          if this is the first contact from Experto Credit send the account sold in dispute

                          Our Templates | Unenforceability Templates | Account Sold whilst in Dispute
                          just looking through my files and i dont think ive sent a CCA request for this account shall i send that as well .

                          Comment

                          • #88
                            Re: myself v MBNA advice please

                            thanks F.P will do that first then .

                            Comment

                            • #89
                              Re: myself v MBNA advice please

                              CCA request sent today

                              Comment

                              • #90
                                Re: myself v MBNA advice please

                                have got a duplicate cca response from DLC its the same account that hillisden had and they sent me one already before xmas ,have posted it up in the secure section for niddy to see, im confused now.

                                Comment

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