Which Way to Go?

[nightwatch]

Re: Which Way to Go?

A question: As Natwest/RBS have sent back my original CCA request letter, postal order and my recorded delivery envelope, along with their own letter, should I return the original letter with the PO, pointing out that it still stands as my dated formal CCA request, and should therefore be retained by them?

Thats what I did every time, and every time they sent it all back

[Still Waving]

Re: Which Way to Go?

A question: As Natwest/RBS have sent back my original CCA request letter, postal order and my recorded delivery envelope, along with their own letter, should I return the original letter with the PO, pointing out that it still stands as my dated formal CCA request, and should therefore be retained by them?

[nightwatch]

Re: Which Way to Go?

Thanks guys.

I think I'll try the template letter at first. If it's to be a war of attrition I ought to do my bit. I can try Flowerpower's suggestion later.

thats my thinking NDBW, won't sign unless abosolutly pushed to it

[Never-In-Doubt]

Re: Which Way to Go?

Good luck

[Still Waving]

Re: Which Way to Go?

Thanks guys.

I think I'll try the template letter at first. If it's to be a war of attrition I ought to do my bit. I can try Flowerpower's suggestion later.

[nightwatch]

Re: Which Way to Go?

This is the one:

Our Templates | Unenforceability Templates | Signature Request by Creditor/DCA

Hya Vint
I sent that one and the next one,Lombard account
I've just posted the Lets stop playing silly buggers one and will wait and see what happens

Tesco sent back first request. I sent the no signiture required letter and they sent me a photo copy of some T&C under DPA

[vint1954]

Re: Which Way to Go?

Update: Reply received from Mint re CCA request. They have returned my postal order, and the gist of their letter is

"I am unable to deal with your request due to, (ticked as appropriate)

s78 request received, however this has been returned to you as we require your signature before we can proceed. Please sign your request for information and return ....."

I am therefore proposing to send the template response covering this scenario.

This is the one:

Our Templates | Unenforceability Templates | Signature Request by Creditor/DCA

[Still Waving]

Re: Which Way to Go?

Update: Reply received from Mint re CCA request. They have returned my postal order, and the gist of their letter is

"I am unable to deal with your request due to, (ticked as appropriate)

s78 request received, however this has been returned to you as we require your signature before we can proceed. Please sign your request for information and return ....."

I am therefore proposing to send the template response covering this scenario.

[Still Waving]

Re: Which Way to Go?

Could it have been a flexiloan rather than an O/D? I've got an account that has both.

That sort of idea. It was an old TSB a/c called Moneyplan. They are discontinued now, obviously, but the a/c has run on under Lloyds.

[Pixie]

Re: Which Way to Go?

Don't forget to send them recorded delivery...it's worth the extra expense.

[Still Waving]

Re: Which Way to Go?

Many thanks for the advice and messages of support.

I am today sending off the CCA requests in respect of the credit cards, and will update as and when responses come in.

I am hanging fire on the bank account at the moment while I try to find some original paperwork, to get the original nature of the account more clearly established.

[Still Waving]

Re: Which Way to Go?

By the way - I only realized after registering that there is someone else with a similar username. Apologies all round, there was no intent to cause any possible confusion.

[Still Waving]

Re: Which Way to Go?

As this is an overdraft, different rules apply. For this one, don't send the standard CCA request template with the £1 fee, see here for more info about O/Ds and what to send ---> Overdrafts - CCA Information - allaboutFORUMS

I'll have to try to dig out my copy of the original agreement, as this was a revolving credit type of account, where you paid in a fixed monthly sum from your current a/c, and were able to go up to X times that amount into the red.

[SXGuy]

Re: Which Way to Go?

Personally, from expierence, i can tell you i strongly believe MBNA will NOT be able to find your agreements, and thus these will be Unenfoceable.

If they can not, they WILL admit to UE very quckly, will NOT add interest or anything.

So if i were you, i would get your CCA Request off for both of these straight away, and cancel any payments.

[Still Waving]

Re: Which Way to Go?

"Was this originally an A&L card?"


No, it was always MBNA.