Tweet
Hi below is where I am up to with a couple of cards and wondering what action to take next?
The cards where originally with Abbey and Alliance and Leicester but now seem to be with MBNA?
Be good to get advice and hopefully help others who are in a similar situation.
Thanks for your help.
John
Card 2
1.Type of account - Originally Alliance and Leicester Credit card
2.Date commenced - 11/11/1996
3.Approx balance - £6100
4.Date last paid - Oct
5.Are you on arrangement or not paying - No
6.Status - Up-to-date
7.Account owner - Was started with Alliance and Leicester now the bills are from MBNA
CARD 1
1.Type of account - Originally Abbey Credit card
2.Date commenced - 17/11/2004
3.Approx balance - £7000
4.Date last paid - Oct
5.Are you on arrangement or not paying - No
6.Status - Up-to-date
7.Account owner - Was started with Abbey now the bills are from MBNA
Action to date:
06 Oct 2010 Below letter sent via recorded to both addresses:
Alliance & Leicester plc
Customer service centre
Carlton Park
Narborough
Leicester
LE19 0AL
SANTANDER
201 GRAFTON GATE EAST
MILTON KEYNES
BUCKINGHAMSHIRE
MK9 1AN
06/10/10 - CCA Requests sent via recorded to both Santander & A&L.
07/10/10 - SANTANDER Letter Signed for.
20/10/10 - A&L Cashed cheque.
22/10/10 - Letter sent to RM for non signature of recorded letter to A&L.
29/10/10 - Checked RM, A&L Letter still not signed for.
25/10/10 - Letter received from MBNA
The cards where originally with Abbey and Alliance and Leicester but now seem to be with MBNA?
Be good to get advice and hopefully help others who are in a similar situation.
Thanks for your help.
John
Card 2
1.Type of account - Originally Alliance and Leicester Credit card
2.Date commenced - 11/11/1996
3.Approx balance - £6100
4.Date last paid - Oct
5.Are you on arrangement or not paying - No
6.Status - Up-to-date
7.Account owner - Was started with Alliance and Leicester now the bills are from MBNA
CARD 1
1.Type of account - Originally Abbey Credit card
2.Date commenced - 17/11/2004
3.Approx balance - £7000
4.Date last paid - Oct
5.Are you on arrangement or not paying - No
6.Status - Up-to-date
7.Account owner - Was started with Abbey now the bills are from MBNA
Action to date:
06 Oct 2010 Below letter sent via recorded to both addresses:
Alliance & Leicester plc
Customer service centre
Carlton Park
Narborough
Leicester
LE19 0AL
SANTANDER
201 GRAFTON GATE EAST
MILTON KEYNES
BUCKINGHAMSHIRE
MK9 1AN
My Address
Wednesday, 06 October 2010
Dear Sirs,
Account No: XXXXXXXX
I hereby formally request a copy of my Consumer Credit Agreement, pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974).
I require you to provide me with a true copy, or reconstituted copy of the credit agreement relating to any account you deem to be mine, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit (12 + 2 days). You are reminded that should you fail to comply with my request; the provisions of s.77 will apply.
If it is your view that you are not the creditor, s.175 of the CCA1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b), 6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).
Attached is payment in the sum of £1.00, which is the statutory fee - note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee and then remove the incorrect entry from your systems.
I do, expect the main actions to be dealt with, as matter of course, and look forward to hearing from you within the prescribed time-scales quoted.
Yours faithfully
Signed digitally
Wednesday, 06 October 2010
Dear Sirs,
Account No: XXXXXXXX
I hereby formally request a copy of my Consumer Credit Agreement, pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974).
I require you to provide me with a true copy, or reconstituted copy of the credit agreement relating to any account you deem to be mine, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit (12 + 2 days). You are reminded that should you fail to comply with my request; the provisions of s.77 will apply.
If it is your view that you are not the creditor, s.175 of the CCA1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b), 6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).
Attached is payment in the sum of £1.00, which is the statutory fee - note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee and then remove the incorrect entry from your systems.
I do, expect the main actions to be dealt with, as matter of course, and look forward to hearing from you within the prescribed time-scales quoted.
Yours faithfully
Signed digitally
07/10/10 - SANTANDER Letter Signed for.
20/10/10 - A&L Cashed cheque.
22/10/10 - Letter sent to RM for non signature of recorded letter to A&L.
29/10/10 - Checked RM, A&L Letter still not signed for.
25/10/10 - Letter received from MBNA
MBNA Europe Bank Limited
PO Box 1004
Chester Business Park
Chester
CH4 9WW
21 October 2010
Dear Sirs,
Re: Account No:xxxxxxxxxxxx
With reference to your letter received 19 October 2010 and your cheque for £1.00.
We are unable to proceed with your enquiry as the cheque you have sent is made payable to Santander. Can you please re-send your request and make your cheque payable to MBNA.
Yours Sincerely
MBNA EBL
MBNA Europe Bank Limited
PO Box 1004
Chester Business Park
Chester
CH4 9WW
21 October 2010
Dear Sirs,
Re: Account No:xxxxxxxxxxxx
With reference to your letter received 19 October 2010 and your cheque for £1.00.
We are unable to proceed with your enquiry as the cheque you have sent is made payable to Santander. Can you please re-send your request and make your cheque payable to MBNA.
Yours Sincerely
MBNA EBL
MBNA Europe Bank Limited
y
Comment