Pepe2008 Heading for the Sun!

[pepe2008]

Re: Pepe2008 Heading for the Sun!

Todays fan-letters..

MBNA Notice of Arrears but already admitted that they won't be able to provide a CCA.....IGNORE

AA Loan. Good CCA , I knew it was anyway. IGNORE anyway.
Interestingly, in the Terms, it mentions 'amount payable in early settlement' and gives examples at 25%, 50% and 75% of the Term. There is no mention of the Account having to be up to date and the amount Quoted for the 75% of Term setllement date is less than half of what I owe....It is now past that date, hmmmmm ( not that I intend to give them anything

[pepe2008]

Re: Pepe2008 Heading for the Sun!

Current inbox...
Crapital One sent me another copy of the App, claiming that the Prescribed Terms were on the back and the full T&Cs were 'seperate'...cheers!

Mint. One letter 'failed to respond, blah, blah...external agents, blah, blah' and a second one returning my CCA req from 5/12 cos it wasn't signed. Now signed (ahem!God, my spellings got bad....can't even spell my name right!!)

Moorcroft. 'On hold while they investigate my dealings with their Client (T Mobile)....I agreed with them that they cannot apply a 'Penalty Notice' to an Account if what they mean is 'remainder of Contract'. Tough titty Mr Moorcroft...sent them a response which did contain the words 'bugger off' for which I am truly ashamed....

Barclaycard. CCa'd them to see if they can find it again after all these years ( it came from a different dept last time)

Drake. Offered a 45% settlement......nope!

Replying to nowt until after I've been to spend my divorce settlement

[pepe2008]

Re: Pepe2008 Heading for the Sun!

Quote of the day from Barclaycard...
' if you wish to reduce the outstanding balance on your Account, you can make a large payment to the Account'........ no shit Sherlock !

[Oct Revolution]

Re: Pepe2008 Heading for the Sun!

If that was a while ago....it may be worth asking again is all I'll say
( they would have to prove that they had sent you one previously......if they cant locate that or the CCA, then they are up the same creek of shite as if they had never sent you one )...try it....and take a good look at the Original MBNA CCA, any Prescribed Terms?

hi Pepe2008,

I've only just received the CCA from Experto Credite after 15 months had passed from my CCA request.

[Oct Revolution]

Re: Pepe2008 Heading for the Sun!

You're doing well with the other two , quite a surprise shock they managed to find a CCA for an 18 year old card, very unusual for incompetent MBNA! and an enforceable one! Very sorry about that!

Perhaps because it was an original MBNA card (were they around in the UK in 94? I didn't think so!), they've been buying CC accounts left right & centre and I don't think they have agreements for any of the A&L ones and probably many others they've bought over the years. Mine was an A&L too!

yeah it's from 1994 !!! (Niddy says enforceable) - gonna blag it for the time being and see what happens.

[pepe2008]

Re: Pepe2008 Heading for the Sun!

Yeah welcome to the club,

I have two letters from Experto Credite/MBNA saying they can't find my CCA for an old A&L and BoS card but also a letter/CCA from them with an enforceable CCA for a 18 year old original MBNA account.

keep up the good fight !

If that was a while ago....it may be worth asking again is all I'll say
( they would have to prove that they had sent you one previously......if they cant locate that or the CCA, then they are up the same creek of shite as if they had never sent you one )...try it....and take a good look at the Original MBNA CCA, any Prescribed Terms?

[pepe2008]

Re: Pepe2008 Heading for the Sun!

An original MBNA card!

Just spent a happy hour composing Complaint letters to all those continuing to harrass me even though they haven't come up the CCA's. Did this a couple of years ago with 1st Credit and won compensation....

[Oct Revolution]

Re: Pepe2008 Heading for the Sun!

Yeah welcome to the club,

I have two letters from Experto Credite/MBNA saying they can't find my CCA for an old A&L and BoS card but also a letter/CCA from them with an enforceable CCA for a 18 year old original MBNA account.

keep up the good fight !

[Deepie]

Re: Pepe2008 Heading for the Sun!

Letter today from MBNA.
(£6000 )
They can't find an Agreement....but they would really like me to keep paying.
....Nope!

One down.....

Well done......

[pepe2008]

Re: Pepe2008 Heading for the Sun!

Letter today from MBNA.
(£6000 )
They can't find an Agreement....but they would really like me to keep paying.
....Nope!

One down.....

[pepe2008]

Re: Pepe2008 Heading for the Sun!

They use Equifax and Experian UK funnily enough, must be to do with Santander - why else would they be so prominent there....?

Aha! Won't be moving any money via a 3rd Party's Santander Accounts then.....!

[Never-In-Doubt]

Re: Pepe2008 Heading for the Sun!

Very interesting about Spain....

They use Equifax and Experian UK funnily enough, must be to do with Santander - why else would they be so prominent there....?

[pepe2008]

Re: Pepe2008 Heading for the Sun!

Not at all, not unless they locate you - which isn't guaranteed being Portugal do not share our CRA's (Spain does mind).....

This is a main Portuguese DCA ---> Welcome to Debt Collection

And this is their largest CRA ---> CPR - Companhia Portuguesa de Rating, S.A.

Cheers, won't be informing anyone of new location! Just need to fend off whilst its all being sorted....could be 3 months, could be up to a year depending on how fed up I get with working.

Very interesting about Spain....

[Never-In-Doubt]

Re: Pepe2008 Heading for the Sun!

The following is a good guide to find out which CRA's are linked to which continent and country ---> World Credit Rating Agencies - List of Credit Rating Agencies

Just while I was fishing the other info out, thought this may be useful

[Never-In-Doubt]

Re: Pepe2008 Heading for the Sun!

Gonna get crap from the Creditors anyway as decided to stop paying them ....

Not at all, not unless they locate you - which isn't guaranteed being Portugal do not share our CRA's (Spain does mind).....

This is a main Portuguese DCA ---> Welcome to Debt Collection

And this is their largest CRA ---> CPR - Companhia Portuguesa de Rating, S.A.