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Are all mbna cards pre April 2007 found to be unenforceable?
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it depends on some things , you need to elaborate.Originally posted by Andy cab 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.
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Care to enlighten us? - elaborate ?Originally posted by Andy cab 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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Only something i read on another forum,wonder if anyone on here had any 1st hand experience of mbna pre 2007?Comment
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most pre 2007 CCAs had faults in cases, but there is a lot of things which might be at fault, no straight forward YES/NO as you will find out\ Oh! many have on here and some have lost in court so no definative answer, but there are people on here who can assist as the area is vast ?I'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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I came here from other forums and had made a whole series of mistakes.Originally posted by Andy cab View Post
Whilst there are Cases where CCA have been adjudged UE it doesn't automatically follow,
There are many reasons other than just the CCA for why a Debt is UE.
You cite Virgin MBNA and PRA but it would be helpful for yourself and for the MODS if you could perhaps set out your specific Case in a Diary format!
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Now if you have a response to s78 CCA request (plus £1) then send a unredacted copy to Niddy and he will advise as to UE or Not .
To help me, to help you, please provide the following information for each account:- Type of account (credit card/loan)
- Date commenced (ideally before Apr 2007)
- Approx balance
- Date last paid (approximate date you last made a FULL payment)
- Are you on arrangement or not paying
- Status (default/in arrears/up-to-date)
- Account owner (who is writing to you, a DCA or the lender)
Providing the above information, for each account helps me. Then, when you start the process lay your diary out in a format like this example
--->Example of perfect layoutComment
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