Charlee UE Diary

[Charlee]

MBNA Credit Card
Date commenced: Approx. 2009
Approx Balance £2940
Date last paid April 2016
Defaulted May 2016
Account owner MBNA

Requested CCA and they supplied a signed agreement showing that the card was taken out in 2009.

[Charlee]

Charlee UE Diary

Barclaycard Credit Card
Date commenced: Approx. pre 2007
Approx Balance £12000
Date last paid April 2016
Defaulted May 2016
Account owner Barclaycard

Requested CCA and they supplied a reconstituted agreement and have added nearly £400 interest. Receiving automated telephone calls 6 times each day but I'm not responding to them.

[Charlee]

Charlee UE Diary

Barclaycard Credit Card
Date commenced: Approx. pre 2007 (probably)
Approx Balance £1068
Date last paid April 2016
Defaulted May 2016
Account owner Barclaycard

Requested CCA and they supplied a reconstituted agreement and have added interest. Telephoning 6 times per day but ignoring.

[Charlee]

Charlee UE Diary

Halifax Credit Card
Date commenced: Approx. pre 2007
Approx Balance £7900
Date last paid April 2016
Defaulted May 2016
Account owner Barclaycard

Halifax have admitted that they don't have a signed copy of the original but have supplied a reconstituted agreement.

[Charlee]

Charlee UE Diary

HSBC Credit Card
Date commenced: Approx. pre 2007
Approx Balance £7000
Date last paid May 2016
Defaulted – not so far
Account owner HSBC

No request made for CCA and no contact as our bank account is with them. Have just opened a new basic bank account with another bank in advance of requesting CCA.

[Never-In-Doubt]

Re: Charlee UE Diary

Threads merged into one. Please post a reply with each account. Not a new thread.

[cymruambyth]

Re: Charlee UE Diary

If you look at some of the other diaries you will see that people post in different coloured type to differentiate between letters received and sent etc.

-> http://forums.all-about-debt.co.uk/s...-Read-me-First!

Remember to send unedited copies of your CCAs to Niddy (webmaster @all-about-debt.co.uk) with a link to this thread and your name in the subject line. If is totally secure.

[Charlee]

Re: Charlee UE Diary

Thank you and agreements now uploaded.

[Never-In-Doubt]

Re: Charlee UE Diary

MBNA Credit Card
Date commenced: Approx. 2009
Approx Balance £2940
Date last paid April 2016
Defaulted May 2016
Account owner MBNA

Requested CCA and they supplied a signed agreement showing that the card was taken out in 2009.

Sadly this is enforceable due to it being an exact copy of the agreement held.

[Never-In-Doubt]

Re: Charlee UE Diary

Barclaycard Credit Card
Date commenced: Approx. pre 2007
Approx Balance £12000
Date last paid April 2016
Defaulted May 2016
Account owner Barclaycard

Requested CCA and they supplied a reconstituted agreement and have added nearly £400 interest. Receiving automated telephone calls 6 times each day but I'm not responding to them.

This looks unenforceable as they've only sent a recon agreement. It can be remedied if they sort their act out but we could argue default and assignment issues as well if necessary and applicable. Have you been served a default notice and if so was it sent by Mercers or Barclays?

[Never-In-Doubt]

Re: Charlee UE Diary

Barclaycard Credit Card
Date commenced: Approx. pre 2007 (probably)
Approx Balance £1068
Date last paid April 2016
Defaulted May 2016
Account owner Barclaycard

Requested CCA and they supplied a reconstituted agreement and have added interest. Telephoning 6 times per day but ignoring.

This looks unenforceable as they've only sent a recon agreement. It can be remedied if they sort their act out but we could argue default and assignment issues as well if necessary and applicable. Have you been served a default notice and if so was it sent by Mercers or Barclays?

[Never-In-Doubt]

Re: Charlee UE Diary

Halifax Credit Card
Date commenced: Approx. pre 2007
Approx Balance £7900
Date last paid April 2016
Defaulted May 2016
Account owner Barclaycard

Halifax have admitted that they don't have a signed copy of the original but have supplied a reconstituted agreement.

unable to answer as its been redacted. We can't help if you redact pages.

[Never-In-Doubt]

Re: Charlee UE Diary

HSBC Credit Card
Date commenced: Approx. pre 2007
Approx Balance £7000
Date last paid May 2016
Defaulted – not so far
Account owner HSBC

No request made for CCA and no contact as our bank account is with them. Have just opened a new basic bank account with another bank in advance of requesting CCA.

Who is the basic account with? Just make sure it's not Lloyds, Bank of Scotland, Halifax, 1st Direct, M&S Bank or Barclays as they could offset against your debts within the respective groups.

HSBC = M&S / 1st Direct
Halifax = BOS / Lloyds / Halifax
Barclays = Barclays

[Charlee]

Re: Charlee UE Diary

Sadly this is enforceable due to it being an exact copy of the agreement held.

Having survived what must be over 100 telephone calls and letters, I'm back to worrying about this and my other debts. I'm slightly less nervous about the others as they seem unenforceable as confirmed by Niddy.

I wrote to MBNA explaining that I have no source of income, being totally dependent on my husband for support. They never checked on my employment status or whether I had any source of income when offering me the credit card. I've never been in employment since shortly after getting married as I've worked hard to bring up 3 daughters and am now helping them with their own children by doing the school run and much more.

MBNA responded by requesting full details of my husband's income but he's reluctant to provide them with this as he is about to embark on his own UE Diary as we struggle to manage our household budget and debts are still mounting up.

Should I tell them again that I have no income or try to scrape enough together for a token monthly payment? Any advice would be greatly appreciated.

[Spud]

Re: Charlee UE Diary

Just because it most likely is enforceable and is a more recent debt (2009) it doesn't mean that all is lost and you give in.....Not by a long way.....There are several other things that could help you case should you ever need to fight this. It is also quite a low balance so that can only be in your favour.

If it were me, For now to give you a little breathing space I would just ignore their letter and see what they send next

You are under no obligation to supply them with your income and expenditure details or those of your partner etc. Neither should you supply these unless you have taken advice first and are making a settlement of some kind ( Where a low income etc would support your offer)