Barney's unenforceable MBNA thread

[Barney]

Re: Barney's unenforceable MBNA thread

Send this ---> Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

Thanks also to Niddy, oscar and alland et al. Your responses have been overwhelming in the best possible way.

Sorry was at work earlier and did not get chance to respond as messages flew in.


Niddy: Thanks for the letter link - would the letter you suggest be best or the one Flowerpower suggested just after your post or will either suffice? Sorry to be a nuisance.

The letter at this stage would have to go to BCW as it them chasing for AK if that helps.

[Never-In-Doubt]

Re: Barney's unenforceable MBNA thread

Send the template I linked you to, that's the one you need

Send it to Bucannan Clark & Wells

[Barney]

Re: Barney's unenforceable MBNA thread

Send the template I linked you to, that's the one you need

Thanks Niddy for the quick response ... again! I will type that up tonight and post tomorrow (if I can sweet talk someone to call at the post office for me to get a certificate of posting).

P.S. Saw the post about the encrypted DVDs - Oops! Presume that is recent news then?

[Barney]

Re: Barney's unenforceable MBNA thread

Hi Barney

Welcome to AAD!

Did you ever make a formal complaint about the conduct of the above 'case manager'?

It is a big breach of OFT guidelines to suggest to a debtor that they take of further borrowing to pay off a debt, especially if they suggested you remortgage!

I had them on the same thing a couple of years ago and got a formal apology, a letter confirming the debt was UE, and have not heard from them since.

As Oscar mentions, you probably haven't got a response as they haven't got a CCA.

SnV

Hi SnV

I did actually try posting a reply just after you posted, but this mysteriously got lost somewhere, I think I may have been auto-logged off between typing and posting as I was at work at the time.

Anyway, just noticed my missing reply so, belatedly, thanks for the welcome, very much appreciated and, in answer to the very good question you ask:-


No never reported. Can't even remember his name.

I was taken completely by surprise as I was working at the time. He rang from a mobile number to my PAYG mobile that was only known to a handful of close friends and family and flatly refused to tell me how he had obtained the number.

Despite my refusing to answer his security questions I managed to get drawn into an argument. Although I did keep repeating that I did not acknowledge the debt which was in formal dispute, which wound him up no-end!

Amongst many often contradictory things that he said, I do actually recall him saying at some stage that he could make me a one-time only offer that I could pay just under £8,000 (I think was the rough figure,) which equated to roughly a third of the amount allegedly outstanding at that time, as full settlement. I laughed and recall asking him to supply the offer in writing. Unsurprisingly, no offer letter materialised and I had no means of raising anything like that figure anyway.

I am sure any complaint would have been simply denied.

[Never-In-Doubt]

Re: Barney's unenforceable MBNA thread

@ Flower

Yours is different.

No two cases are the same

How many times wumman

Anyway reason I suggest different template is cos Technically it's a holding letter and not a "in your face get lost" one like the one you send. As for bursting bubble - nope but always be careful. I've seen a recon (poster is on AAD and may come forward) that was issued 3yrs after original cca request.

Luckily the person since moved thus they held out and in march it was SB.

As I say, always be careful till you're on the home straight and then we can get lax. However for all we know mbna could be trawling archives for terms to en masse cca's (recons)!

Anyway, account sold is the correct template here

[Barney]

Re: Barney's unenforceable MBNA thread

Are you trying to burst my bubble?

After having 3 letters stating no CCA was found, will they be sending one to me out of the blue nearly 3 years later?

Our posts crossed, Niddy is the boss!

He told me to send the missing CCA letter if someone contacted me on that account but that was a while ago, looks like he is expecting CCAs to appear now.

Haha! I bloody well hope not now I have got my hopes up!

[Never-In-Doubt]

Re: Barney's unenforceable MBNA thread

Haha! I bloody well hope not now I have got my hopes up!

You'll be fine

[greymatter]

Re: Barney's unenforceable MBNA thread

Hi Barney

Haha! I bloody well hope not now I have got my hopes up!

Still need originals though won't they.Big difference between a DVD and the good(for the courts) old hard copy.
Gm

[Barney]

Re: Barney's unenforceable MBNA thread

Thanks again guys for the words of encouragement.

Niddy:

Sorry to trouble you again.

Just typing up the amendments/details to the Account Sold Whilst In Dispute template you have suggested sending. Two quick questions:-
1) Should I insert the date (May 2009) that I formally advised MBNA of the dispute or leave the template as it is without reference to a date?
2) Should I amend at all to reflect the fact that MBNA did acknowledge my request, but did not satisfactorily send what was required i.e. the agreement?

I know I need spoon feeding at present, but please continue to bear with me. Thanks. I will learn i promise.

[Deepie]

Re: Barney's unenforceable MBNA thread

Thanks again guys for the words of encouragement.

Niddy:

Sorry to trouble you again.

Just typing up the amendments/details to the Account Sold Whilst In Dispute template you have suggested sending. Two quick questions:-
1) Should I insert the date (May 2009) that I formally advised MBNA of the dispute or leave the template as it is without reference to a date?
2) Should I amend at all to reflect the fact that MBNA did acknowledge my request, but did not satisfactorily send what was required i.e. the agreement?

I know I need spoon feeding at present, but please continue to bear with me. Thanks. I will learn i promise.

I Would send the letter as it is let them work it out...........

[Never-In-Doubt]

Re: Barney's unenforceable MBNA thread

Thanks again guys for the words of encouragement.

Niddy:

Sorry to trouble you again.

Just typing up the amendments/details to the Account Sold Whilst In Dispute template you have suggested sending. Two quick questions:-
1) Should I insert the date (May 2009) that I formally advised MBNA of the dispute or leave the template as it is without reference to a date?
2) Should I amend at all to reflect the fact that MBNA did acknowledge my request, but did not satisfactorily send what was required i.e. the agreement?

I know I need spoon feeding at present, but please continue to bear with me. Thanks. I will learn i promise.

Morning, just try and leave it as intact as you can - they are vague but also technical for a reason, unless it's obviously not suited to your needs then try and leave templates as intact as possible as they are worded for a reason and also vague for other reasons

[Barney]

Re: Barney's unenforceable MBNA thread

Morning, just try and leave it as intact as you can - they are vague but also technical for a reason, unless it's obviously not suited to your needs then try and leave templates as intact as possible as they are worded for a reason and also vague for other reasons

Good morning Niddy and In 2 Deep .

Thanks for clarifying, I suspected that would be the advice, but wanted to get it absolutely right and not drop a clanger for fear of asking.

I printed out two versions late last night pending your response and, yet again, you didn't let me down.

I will send the most intact version today and let them work it out as you say.

Will update when / if a reply is received.

Thanks a million for everyone's help so far! What an amazing site!

Let the games begin!

[jet set willy]

Re: Barney's unenforceable MBNA thread

Don't be fooled mate, I heard a rumour they did get 112 DVD's (is that all?) of encrypted data from Shabby/A&L so they may yet appear in months to come.

* And yes I know you know MBNA better than most - but I have my fingers in many pots, as you also know

Just saying, always presume the worst then when it's better news you get that sigh of relief......

That single post depresses me yet i still clicked the thanks button lol. Tis a crazy world I thought that me and flowerpowers a&l cca's were going to be the stuff of legend!

A belated welcome Barney, you will have fun here. I'm even posting this on a saturday night, never envisaged this when i was eighteen

[oscar]

Re: Barney's unenforceable MBNA thread

That single post depresses me yet i still clicked the thanks button lol. Tis a crazy world I thought that me and flowerpowers a&l cca's were going to be the stuff of legend!

I wouldnt worry too much. It may well be that A&L and/or Abbey have given MBNA copies.

BUT - its on 112 DVDS, most DVDS are 5GB or thereabouts - one document being 1/2 meg. (and thats big) thats a lot of documents to search.

[jet set willy]

Re: Barney's unenforceable MBNA thread

I wouldnt worry too much. It may well be that A&L and/or Abbey have given MBNA copies.

BUT - its on 112 DVDS, most DVDS are 5GB or thereabouts - one document being 1/2 meg. (and thats big) thats a lot of documents to search.

Thats true mate, but its times like this i wish my name was John Smith or Bob Jones instead of Winston Diamond Constantinople* just in case the eejits discover the search function

*No it isnt really that!