MBNA CCA

[flatstanley]

Hello, currently on a huge DMP with CCCS and would like some advice on a CCA with MBNA.

I recently received a bundle of papers after a successful SAR request.

Hope to get some help! ;Hi

[flatstanley]

Re: MBNA CCA

MBNA


1) Type of account: Credit Card
2) Date commenced: 2003
3) Approx balance: £12,500
4) Last Payment: CCCS make regular payments so approx 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: Surprisingly, up to date according to creditexpert
7) Account owner: MBNA

My DMP started in Feb this year (approx £70K ;EEK ) and I make a regular payment of £1000 per month ;Spank .

Clearly any UE debts would help me get debt free quickly. Although slightly worried about what CCCS will do if I challenge any debts. I want to focus on MBNA as its the oldest debt.


Aug - SAR Requested
Oct - SAR Received

[flatstanley]

Re: MBNA CCA

A.A

1) Type of account: Loan
2) Date commenced: 2009
3) Approx balance: £11,000
4) Last Payment: 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: Default
7) Account owner: AA (Blair, Oliver and Scott Ltd administering the account)

[flatstanley]

Re: MBNA CCA

TESCO PERSONAL FINANCE

1) Type of account: Loan
2) Date commenced: 2009
3) Approx balance: £11,000
4) Last Payment: 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: TBD
7) Account owner: TBD

[flatstanley]

Re: MBNA CCA

NATWEST

1) Type of account: Overdraft
2) Date commenced: 1992
3) Approx balance: £13,000 (authorised: £11K)
4) Last Payment: 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: 6 payments late (and only started sharing my data with agencies in the last 6 months!!)
7) Account owner: Natwest

[flatstanley]

Re: MBNA CCA

BARCLAYCARD

1) Type of account: Credit Card
2) Date commenced: 2009
3) Approx balance: £7,000
4) Last Payment: 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: OK (up to date)
7) Account owner: Barclaycard

[flatstanley]

Re: MBNA CCA

CITIBANK INTERNATIONAL PLC

1) Type of account: Credit Card
2) Date commenced: 2009
3) Approx balance: £6,500
4) Last Payment: 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: OK (up to date)
7) Account owner: CC Asset Management Limited (from November 2010)

Oct - Letter from Citi advising account will be transfered to Opus (CCAM) from Novemember 2010. Some changes have been made to my credit card agreement by CCAM, so letter includes notice of variation.

[flatstanley]

Re: MBNA CCA

MBNA 2

1) Type of account: Credit Card
2) Date commenced: 2008
3) Approx balance: £6,500
4) Last Payment: 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: OK (up to date)
7) Account owner: MBNA

[Never-In-Doubt]

Re: MBNA CCA

MBNA

[color=#00BF00]
1) Type of account: Credit Card
2) Date commenced: 2003

This you can request the CCA for, in fact you've emailed me it haven't you? I'll update this later......

[Never-In-Doubt]

Re: MBNA CCA

A.A

1) Type of account: Loan
2) Date commenced: 2009
3) Approx balance: £11,000
4) Last Payment: 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: Default
7) Account owner: AA (Blair, Oliver and Scott Ltd administering the account)

As you commenced this account in 2009, you need to continue paying it i'm afraid. However make sure you do a reclaim on any charges and PPi that may have been sold. Read here: ---> viewtopic.php?f=42&t=53

Sorry, but due to the start date unenforceability is not an option, plus it is going to be enforceable anyway.

[Never-In-Doubt]

Re: MBNA CCA

TESCO PERSONAL FINANCE

1) Type of account: Loan
2) Date commenced: 2009
3) Approx balance: £11,000
4) Last Payment: 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: TBD
7) Account owner: TBD

As you commenced this account in 2009, you need to continue paying it i'm afraid. However make sure you do a reclaim on any charges and PPi that may have been sold. Read here: ---> viewtopic.php?f=42&t=53

Sorry, but due to the start date unenforceability is not an option, plus it is going to be enforceable anyway.

[Never-In-Doubt]

Re: MBNA CCA

BARCLAYCARD

1) Type of account: Credit Card
2) Date commenced: 2009
3) Approx balance: £7,000
4) Last Payment: 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: OK (up to date)
7) Account owner: Barclaycard

As you commenced this account in 2009, you need to continue paying it i'm afraid. However make sure you do a reclaim on any charges and PPi that may have been sold. Read here: ---> viewtopic.php?f=42&t=53

Sorry, but due to the start date unenforceability is not an option, plus it is going to be enforceable anyway.

[Never-In-Doubt]

Re: MBNA CCA

CITIBANK INTERNATIONAL PLC

1) Type of account: Credit Card
2) Date commenced: 2009
3) Approx balance: £6,500
4) Last Payment: 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: OK (up to date)
7) Account owner: CC Asset Management Limited (from November 2010)

Oct - Letter from Citi advising account will be transfered to Opus (CCAM) from Novemember 2010. Some changes have been made to my credit card agreement by CCAM, so letter includes notice of variation.

As you commenced this account in 2009, you need to continue paying it i'm afraid. However make sure you do a reclaim on any charges and PPi that may have been sold. Read here: ---> viewtopic.php?f=42&t=53

Sorry, but due to the start date unenforceability is not an option, plus it is going to be enforceable anyway.

* Regards to the card changing hands - we have all had this, citi sold their card book in the UK so looks like HBOS will take over the administration shortly.....

[Never-In-Doubt]

Re: MBNA CCA

MBNA 2

1) Type of account: Credit Card
2) Date commenced: 2008
3) Approx balance: £6,500
4) Last Payment: 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: OK (up to date)
7) Account owner: MBNA

As you commenced this account in 2008, you need to continue paying it i'm afraid. However make sure you do a reclaim on any charges and PPi that may have been sold. Read here: ---> viewtopic.php?f=42&t=53

Sorry, but due to the start date unenforceability is not an option, plus it is going to be enforceable anyway.

[Never-In-Doubt]

Re: MBNA CCA

NATWEST

1) Type of account: Overdraft
2) Date commenced: 1992
3) Approx balance: £13,000 (authorised: £11K)
4) Last Payment: 25th Sep 2010
5) Are you on arrangement or not paying: DMP with CCCS
6) Status: 6 payments late (and only started sharing my data with agencies in the last 6 months!!)
7) Account owner: Natwest

Overdrafts are CCA1974 exempt so you cannot CCA them i'm afraid - you need to continue paying it. However make sure you do a reclaim on any charges over £12 that were applied to the account over the last 6yrs. Read here: ---> viewtopic.php?f=42&t=53