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  • #136
    Re: myself v MBNA advice please

    Originally posted by PlanB View Post
    I believe it may be the other way round.

    Hillesden currently own the debt and dlc are the DCA.

    Have a look at my previous post where I suggested you should send the LBA response template letter to Restons since they say they are instructed to issue legal proceedings.




    Plan B x
    does it matter i have already requested a ccca from the in the past ??

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    • #137
      Re: myself v MBNA advice please

      No, as long as it more than 30 days , I Think,
      but it looks like they haven't under stood what you have sent, which is normal for most DCA'S
      Just get those letters in the post tomorrow. good luck x
      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.

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      • #138
        Re: myself v MBNA advice please

        letters sent today

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        • #139
          Re: myself v MBNA advice please

          best you can do , hope it goes well

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          • #140
            Re: myself v MBNA advice please

            got this back today from DLC saying they have recieved my CCA request and the £1
            Attached Files

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            • #141
              Re: myself v MBNA advice please

              Originally posted by PlanB View Post
              Based on the above the SWID letter may well be best since this is the first letter you have received from Restons.

              However, when did you last send a CCA to Hillesden/dlc? Niddy's post saying the CCA was enforceable was in March 2012 so I presume your last and only CCA was sent in early 2012?

              Once we know that we can make a suggestion on your next move.

              That dlc "letter" is in fact a Notice of Sums in Arrears (s.86) which they must send you annually.

              Did you ever get a DN from MBNA for this account?

              Plan B x
              Have recieved the cca back that i requested shall i emai it to you or niddy ?

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              • #142
                Re: myself v MBNA advice please

                Originally posted by davidm View Post
                Have recieved the cca back that i requested shall i emai it to you or niddy ?
                Email it to Niddy

                Plan B x

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                • #143
                  Re: myself v MBNA advice please

                  Originally posted by PlanB View Post
                  Email it to Niddy

                  Plan B x
                  Thanks planb will do

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                  • #144
                    Re: myself v MBNA advice please

                    Originally posted by Never-In-Doubt View Post
                    Click the big plus sign (+) at the top right of the forum
                    hi niddy have sent you the CCA i got back from MBNA regarding this account, by email thank you

                    can you let me know you receieved the mail thanks

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                    • #145
                      Re: myself v MBNA advice please

                      It's Virgin so it's UE -> http://forums.all-about-debt.co.uk/s...-Unenforceable!

                      Sorry for the delay. My inbox has 11,268 unread emails. As you can imagine, I miss a few
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