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  • #46
    Re: myself v MBNA advice please

    Niddy will be able to see the docs better than I can the links above.

    But looks very similar to many - priority app - with incomplete T&Cs. Not clear - but interest rates dont look "proper"

    Also, did you take the agreement out before or after November 2002??
    Last edited by oscar; 19 March 2012, 22:11.
    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.

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    • #47
      Re: myself v MBNA advice please

      Originally posted by oscar View Post
      Niddy will be able to see the docs better than I can the links above.

      But looks very similar to many - priority app - with incomplete T&Cs. Not clear - but interest rates dont look "proper"

      Also, did you take the agreement out before or after November 2002??
      Oscar, what's the significance of November 2002 ?
      Last edited by PlanB; 20 March 2012, 08:56.

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      • #48
        Re: myself v MBNA advice please

        Originally posted by PlanB View Post
        Oscar, what's the significance of November 2002 ?
        Thats the date of the application forms - printing date/series date - however you want to fram it. If applied before, then they obviously dont correspond. Same applies if the account was applied for a good deal of time afterwards.
        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.

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        • #49
          Re: myself v MBNA advice please

          Originally posted by oscar View Post
          Niddy will be able to see the docs better than I can the links above.

          But looks very similar to many - priority app - with incomplete T&Cs. Not clear - but interest rates dont look "proper"

          Also, did you take the agreement out before or after November 2002??
          26-03 2002

          Comment

          • #50
            Re: myself v MBNA advice please

            This MBNA card (£2k limit one) - it's enforceable you know....

            They've sent the original agreement from 2002 and the PT's are on the back and they are all there - what a bummer

            Sorry but this is

            However don't stress, it's MBNA

            Treat it as UE for the time being and send this back ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • #51
              Re: myself v MBNA advice please

              Originally posted by oscar View Post
              Thats the date of the application forms - printing date/series date - however you want to fram it. If applied before, then they obviously dont correspond. Same applies if the account was applied for a good deal of time afterwards.
              this one does mate, the terms were on the back...... they are also compliant IMO (unless I missed something)....

              Why, what makes you say otherwise?

              I refer specifically to this - the originals (forget the additions, concentrate on the originals as both elements are provided)...

              Front ---> allaboutFORUMS

              Back ---> allaboutFORUMS
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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              • #52
                Re: myself v MBNA advice please

                Niddy

                Is it the way it is copied, or does the back - page 2 of 2 - start off in the middle of a sentence?

                Alan

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                • #53
                  Re: myself v MBNA advice please

                  Originally posted by Never-In-Doubt View Post
                  This MBNA card (£2k limit one) - it's enforceable you know....

                  They've sent the original agreement from 2002 and the PT's are on the back and they are all there - what a bummer

                  Sorry but this is

                  However don't stress, it's MBNA

                  Treat it as UE for the time being and send this back ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms
                  sorry posted this in the other thread also ,what do you think the response and out come will be ,i could offer a monthly payment ????

                  also should i send it to hillsden or mbna ??
                  Last edited by davidm; 21 March 2012, 21:31.

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                  • #54
                    Re: myself v MBNA advice please

                    Originally posted by davidm View Post

                    also should i send it to hillsden or mbna ??
                    The last people to write to you.......
                    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.

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                    • #55
                      Re: myself v MBNA advice please

                      ok have done it to hillsden thanks

                      Comment

                      • #56
                        Re: myself v MBNA advice please

                        Originally posted by alangee View Post
                        Niddy

                        Is it the way it is copied, or does the back - page 2 of 2 - start off in the middle of a sentence?

                        Alan
                        Its been badly microfiched, but it is the beginning of the sentence / paragrah an says "These are paragraphs 1....."
                        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

                        • #57
                          Re: myself v MBNA advice please

                          Originally posted by alangee View Post
                          Niddy

                          Is it the way it is copied, or does the back - page 2 of 2 - start off in the middle of a sentence?

                          Alan
                          No thats only the copy, it starts correctly..... however we're still gonna blag it, we don't bend over that easily for nobosy

                          He'll be fine, it's a risky move for MBNA to attempt to enforce these agreements so we always blag it first and foremost and see how heavy they want to get then we reassess things......
                          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                          • #58
                            Re: myself v MBNA advice please

                            sent the letter to hillsbum, as niddy says lets see if we can blag it .

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                            • #59
                              Re: myself v MBNA advice please

                              Hi niddy, this looks a lot like my cca ( mbna) does this not apply to his account " This is relative to one of the two minute flyers that was highlighted in CABOT UK LTD v BACHELLIER [2010]

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                              • #60
                                Re: myself v MBNA advice please

                                got this back on saturday sent you the un-edited version niddy ,
                                what to do now ???
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