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Can anybody advise me on my CCA with MBNA as i have now been issued with court papers and need to know if i should defend or not.
Also where do i post the docs to ?? or email them too
Also where do i post the docs to ?? or email them too
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Re: MBNA CCA ... Court papers served
See your welcome thread ---> Welcome to octonaut - allaboutFORUMS
If you tell us details first then we'll explain about uploads erc. Basic info first please mate.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!
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Re: MBNA CCA ... Court papers served
Originally posted by octonaut View Post
Ok did the usual and sent request for CCA to MBNA ( or Link who now have the debt) and they sent me what they said is my CCA ...
Never been able to get a decission if they are enforcable or not... and on Monday i received court papers from Northampton court .
Now i dont know what to do ...either defend or just take it as it comes ...Comment
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Re: MBNA CCA ... Court papers served
Mbna were piss poor for default notices and the response to the S78 request may also help.Originally posted by octonaut View Post
Hard to say anything concrete without details. Paul likes MBNA though so don't give up.
M1Comment
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Re: MBNA CCA ... Court papers served
Hi Octonaut, welcome to AAD
Sorry for all the questions, but we need the info to be able to help you..
Date on claim form
Particulars of Claim
Rough amount of claim
Type of debt and year taken out
Date of last payment (roughly)
Did you receive a Default Notice issued under s.87 of the CCA?
If so, have you kept it and had it checked for accurancy?
You've got what they claim is the agreement...Niddy will check that for you..
Have Link sent you a Notice of Assignment (ie do they own the debt now)?
Any PPI / charges on the account?
That'll do for starters...Comment
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Re: MBNA CCA ... Court papers served
Originally posted by Shepherdess View PostHi Octonaut, welcome to AAD
Sorry for all the questions, but we need the info to be able to help you..
Date on claim form
Particulars of Claim
Rough amount of claim
Type of debt and year taken out
Date of last payment (roughly)
Did you receive a Default Notice issued under s.87 of the CCA?
If so, have you kept it and had it checked for accurancy?
You've got what they claim is the agreement...Niddy will check that for you..
Have Link sent you a Notice of Assignment (ie do they own the debt now)?
Any PPI / charges on the account?
That'll do for starters...
Thats ok ask away lol...
Date of claim that i received in Mondays post is 30 nov 2011
would it be better if i posted the docs somewhere so you can see ... i already have both the CCA sent to me and the court claim form in PDF format .... I also think there is a LBA i have but maybe if you see what i have you would be able to say what you think..Comment
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Re: MBNA CCA ... Court papers served
by the way the credit card was opened in 2003 ... not made any payments for some years now ..... and they are claiming 4860.70
No PPI on it and yes Link have been dealing with it for quite a few years so i am guessing they do own the debtComment
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Re: MBNA CCA ... Court papers served
OK octonaut, the thing to do is post the agreement up in the secure section. Only Niddy a can see it there and he will advise if the thing is OK. Post back up here to say you have done it or send him a PM to say you have done it.
regards
GarlokComment
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Re: MBNA CCA ... Court papers served
Originally posted by garlok View Post
Ok posted CCA in secure part ... Well i hope i have lol.Comment
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Re: MBNA CCA ... Court papers served
The Default notice is more important to start with as without a valid one they don't have a cause of action and you won't get to the unenforceable argument if you get it kicked into touch with a dodgy default notice.
M1Comment
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Re: MBNA CCA ... Court papers served
oh and just sent niddy pM telling i posted them alsoComment
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Re: MBNA CCA ... Court papers served
how do i know what a default notice is ... sorry but not really know what one is lolComment
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Re: MBNA CCA ... Court papers served
so shoulkd i have received this from MBNA or Link ... as i have had no communication from MBNA for a very long timeComment
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Re: MBNA CCA ... Court papers served
You should have recieved that documant from MBNA themselves, prior to them selling to or asking Link to recover the moneyOriginally posted by octonaut View PostI'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
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