What2donext / UE Diary

[what2donext]

Re: What2donext / UE Diary

Hi W2DN,

I think you can safely ignore that epistle from Mercers.

regards
Garlok

Remember to check that DN as well W2DN, keeping the envelope and marking both with the date it actually arrived.

regards
Garlok

Cheers Garlok Mercers will be duly ignored and the DN dated and filed away

[what2donext]

Re: What2donext / UE Diary

MBNA Credit Card 1 (Mrs)
Date Commenced - 19/6/97
Approx. Balance - £7030
Last Full Payment paid - 26/5/07
DMP payment paid - 28/6/11 (no more payments being made)

07/07/11 CCA request sent
27/07/11 CCA received
27/07/11 Email sent to Niddy
29/07 11 Niddy Says
29/07/11 Sent CCA Query - Missing Prescribed Terms by recorded delivery
11/10/11 Received letter stating - You have missed 4 monthly payments please contact us to prevent termination of this agreement, registration of a default with the credit reference agencies and commencement of action to recover the debt.etc etc

02/11/11 Received letter stating - We have enclosed an income and expenditure form. We wrote to you on 6th October 2011 regarding your arrrears,and offered to provide you with assistance upon completion of an I/E form. we understand this form may not have been attached to our letter. We'd like to appologise for any inconvenience caused and we've enclosed an I/E form with this letter should you need to complete it.

07/11/11Received letter stating - Thank you for your letter dated 29th July 2011 in res[ect pf the agreement referred to above. In your letter you claim that we have not supplied a true copy of your original credit agreement. To confirm, the document enclosed with our recent letter is a copy of the executed agreement that you signed when you decided to take out a credit card with MBNA Europe Bank. You have been provided with a true copy of your credit agreement. Furthermore the "Financial and Related Conditions" set out on the credit agreement are the key terms which, under Schedule 6 of the Consumer Credit (Agreements) Regulations 1983, were prescribed to be included int he credit agreement that you signed. These key terms set out how your credit limit is decided, your minimum payment obligation and your interest rates. When you were sent your credit agreement for signature, these key terms were also repeated in a full set of the Terms and Conditions of your credit agreement which were conveniently set out separately in a document for you to keep. A copy of these terms was enclosed in our previous response. In your letter you also request that we provide a legible copy of the agreement. We have enclosed a true copy of the original agreement and a copy which has been reconstituted from our records for legibility purposes in our previous response. MBNA are satisfied that the regulated credit agreement into which we entered with you satisfies all relevant legal and regulatory requirements. As such, we shall continue to administer this account as normal. We also expect you to continue to make payments to us as they fall due, if you fail to do so, please note that any arrears will be reported to the Credit Reference Agency.
12/12/11 Received Default Notice

Good afternoon everyone received Default Notices for all 3 MBNA Aaccounts today we will wait and see what they send next for all 3 i wont post a link to our other updates as they are all the same as above

[Never-In-Doubt]

Re: What2donext / UE Diary

Hiya

All the recent updates above (last couple of days) - no action from you required, just see what happens yea.....

[what2donext]

Re: What2donext / UE Diary

Hiya

All the recent updates above (last couple of days) - no action from you required, just see what happens yea.....

Cheers Niddy

[mk_chatham]

Re: What2donext / UE Diary

Hi WTDN

If you still have them it is worth keeping the envelopes that the default notices came in. Mark them with the the date received, 12th December, and file away with the default notices.

If there are any errors with the default notice it may help your case in the future.

MK

[what2donext]

Re: What2donext / UE Diary

Hi WTDN

If you still have them it is worth keeping the envelopes that the default notices came in. Mark them with the the date received, 12th December, and file away with the default notices.

If there are any errors with the default notice it may help your case in the future.

MK

cheers MK we have dated and filed them but funnily enough Iv'e just looked at them again and they all have to be rectified by Xmas Day so according to my maths they hav'nt given us 14 days counting from today when we received them its 13 to Xmas eve so the 14th day is actually XMas day i wonder if they will open Xmas day especially for us

[Never-In-Doubt]

Re: What2donext / UE Diary

cheers MK we have dated and filed them but funnily enough Iv'e just looked at them again and they all have to be rectified by Xmas Day so according to my maths they hav'nt given us 14 days counting from today when we received them its 13 to Xmas eve so the 14th day is actually XMas day i wonder if they will open Xmas day especially for us

You thus have a defunct DN..... what is the date on the actual notice, ie the date of issue...?

[what2donext]

Re: What2donext / UE Diary

You thus have a defunct DN..... what is the date on the actual notice, ie the date of issue...?

Hiya Niddy the issue date on them is 8th December hope this helps
cheers

[Never-In-Doubt]

Re: What2donext / UE Diary

Hiya Niddy the issue date on them is 8th December hope this helps
cheers

so the correct expiry date should be 30 / 12 / 2011

[what2donext]

Re: What2donext / UE Diary

so the correct expiry date should be 30 / 12 / 2011

Can they easily rectify this by sending out another with the correct expiry date

[Never-In-Doubt]

Re: What2donext / UE Diary

Can they easily rectify this by sending out another with the correct expiry date

yes mate..... its nothing to argue over, put it that way. You would however use it after they terminate and decide upon court. Guys like Paul will rip it apart and use it against them.....

* just keep it and the envelope safe

[what2donext]

Re: What2donext / UE Diary

yes mate..... its nothing to argue over, put it that way. You would however use it after they terminate and decide upon court. Guys like Paul will rip it apart and use it against them.....

* just keep it and the envelope safe

Cheers Niddy you are on the ball today they are safely filed dated & away, enjoy the rest of your evening if you get chance

[mk_chatham]

Re: What2donext / UE Diary

Isn't it a shame that the still can't get it right !

[garlok]

Re: What2donext / UE Diary

The other little thing to watch out for when calculating time is "rectify by" a certain date. This actually means close of business the day BEFORE that date they say. So they lose another day.

regards
Garlok

[Never-In-Doubt]

Re: What2donext / UE Diary

Yep sorry forgot that. Day of posting is one day; plus a service day so add two days onto date of notice before you count the 14 clear days (not Sunday/bank holiday) - ie postage days