Credit card agreement

[SXGuy]

Re: Credit card agreement

It would be an idea to get yourself a folder with seperate inserts, like a Buero? cant spell it properly!

That way you can slip each letter into the right section.

[vint1954]

Re: Credit card agreement

It must state that it is an agreement regulated by CCA 1974.

It must also be legible obviously. MBNA are good at supplying illegible documents.

[Oldandblue]

Re: Credit card agreement

Hiya vint1954 it is such a bad copy think it says that but not sure have sent it to niddy to look at. It's a bank of Scotland application from 2000 but MBNA took it over In 2008 so sent their T&Cs Have sent another CCA request on 1st July but up till now NOW'T My problem with these is how will I put it They extended the hand of friendship then stabbed my in the back well that's my opinion

[vint1954]

Re: Credit card agreement

Hiya vint1954 it is such a bad copy think it says that but not sure have sent it to niddy to look at. It's a bank of Scotland application from 2000 but MBNA took it over In 2008 so sent their T&Cs Have sent another CCA request on 1st July but up till now NOW'T My problem with these is how will I put it They extended the hand of friendship then stabbed my in the back well that's my opinion

Yep, that's MBNA for you.

With the CCA, they need to send a copy of the terms at inception, so the BOS terms, their terms from 2008 and the current terms. Strictly speaking they should send all terms and conditions as they change, but they will have enough trouble obtaining the BOS inception terms.

Copy document regs state that all documents supplied must be legible.

Niddy will come back and advise the best route forward when he has checked the agreement, but they are beatable.

Just keep all of the documents that they send you safe, such as letters and the Default Notice. These may be needed at some point in the distant future. Also keep the envelopes that the documents come in.

[Oldandblue]

Re: Credit card agreement

Hiya vint1954. Yes that what I though but only got T&Cs from 2010 and not 2000 it funny how the signature always shows up clearly but the rest is usually illegible Sent another request on 1st July 13 but as of yet nothing only a letter today from the Vice President Gail Powell what a wastes of time. Defending themselves again the galling thing is I had no problem till they created one for me. Can elaborate if interested She said if I was not satisfied take it to FOS. Well I'm seriously thinking that now but ah! that but it's always in there When will these NUMPTIES realise that they are not immune and tomorrow that could be in the same position as us. Well good luck with that one EEE apologise for rabbiting on but I am a Geordie

[Never-In-Doubt]

Re: Credit card agreement

Ok you need to send a new request. The other is too old now to base anything on.

Can you request a new cca please -> CCA Request - allaboutDEBT UK

[Oldandblue]

Re: Credit card agreement

Hiya already done that sent on 1st July no reply yet

[Never-In-Doubt]

Re: Credit card agreement

Hiya already done that sent on 1st July no reply yet

Cool ok just sit tight and await a reply. Don't chase them as until they do comply they're in default of s.78 and cannot enforce it. Obviously, I presume you're not paying into this right now?

Just chill and keep us updated with any threats etc until they properly respond to your request.

[Oldandblue]

Re: Credit card agreement

Hiya ah! Unfortunately I am still paying every month due again 28thjuly

[Never-In-Doubt]

Re: Credit card agreement

Oh well miss July payment. Trust us here

If they send enforceable documents you can easily reinstate it can't you? Don't worry.

[Oldandblue]

Re: Credit card agreement

Hiya can I ask please At present the interest and charges are frozen if I don't pay as agreed will they start charging these again

[SA Gold]

Re: Credit card agreement

Hiya can I ask please At present the interest and charges are frozen if I don't pay as agreed will they start charging these again

if its not enforceable mate you wouldn't be looking at paying anything

[Oldandblue]

Re: Credit card agreement

Yes but I don't know that yet. Still waiting for the CCA it hasn't come yet

[SA Gold]

Re: Credit card agreement

Yes but I don't know that yet. Still waiting for the CCA it hasn't come yet

It's your call mate, but if you look around the forum, and the diaries particularly ; you will see only a small percentage of CCA requests are fulfilled.
If you here nothing back and continue to pay, you could argue was it worth requesting in the first place.
enforceable, UN-enforcable, either way bud - stopping payments gives you the upper hand. If it is enforceable it will start the bargaining process.

Keep us posted

[Never-In-Doubt]

Re: Credit card agreement

Ok well pay July and lets see the cca before you stop. No worries