Couldn't agree with you more. Just tried to cancel this subscription online and read the same bullsh*t conditions. You can stop all sorts of payments online to amazon etc etc, but this is just taking the p*ss AND it has to be done a month in advance so my next payment opn November 8 will be taken Also, I live abroad so have to go through the rigmarole of writing. I sent an email to my bank Cahoot to stop payments on the card but they probably can't. Ridiculous.

Just got an email reply today (no personal signature) offering to accept the payment mentioned in May (which is in line with the % I'm offering other creditors). They've also said it can start in November....October if pay-free....wahayyy!! I will start the MBNA payment of £8.86 per month. I will not start the Marbles payment (£18) as they have not yet provided the CCA and their earlier letter this month claimed that account was 'on hold'. They've also said in the email that a financial review will be due in 12 months' time. That should mean I won't have them breathing down my neck. These monthly payments are less than 0.25%...so after all the hassle since June it seems to be something of 'a result'. Maybe I've worn them down. I have to say if I hadn't got the info, from the templates for CCA's and other advice from individuals, I wouldn't have had the bureaucratic wherewithal to battle with them. In the meantime I'lls ave £18pm and I've saved £18 plus £ since January, so I have a slight buffer zone built up.

attempt at uploading documentation sent by LINK seems to have worked...? MBNA One.doc

here is a link http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

I am not an expert, but if they haven't sent a CCA there is no obligation on you to follow them up. Link have sent me a CCA for MBNA but not one for Marbles. The Marbles one is on hold until they obtain a CCA. As for harassment, there is a list of template letters on here...unfortunately I haven't got the exact link......i will search and see if I can trace the list.

Thanks for your reply ODC. I will attempt to scan and upload it here, though the copy I have is of poorish quality already. Actually, your reply prompted me to examine it more closely. It is basically a copy of the credit card application form- 12 sections, 1.name, 2. card request, 3. personal details, 4. home status (tenant/mortagee), 5. employment, 6 current income/pensions, 7. other borrowings, 8. security name [mother's maiden name], 9. additional cardholder, 10.bank details, 11.payment protection cover, 12. principal cardholder's request and declaration, then my signature. On the reverse, and slightly strangely, there is a photocopy which occupies only the bottom third of the page (the rest is blank) It is headed FINANCIAL AND RELATED CONDITIONS. It is barely decipherable in its current form. Example of provision: 3. Within 28 days after the relevant statement date, you must make either the minimum payment shown on the statement or any larger payment chosen by you, unless we offer a payment holiday under condition...... Hope this gives enough info..... Appreciate any advice. I have stable payment plans with HBOS, Metropolitan, et al. LINK is the only fly in the ointment

Link replied yesterday with a (true) copy of my MBNA CCA from 1999 (and a holding letter regarding my HFC/Marbles account which is apparently taking longer). The very next day, I got another letter from LINK (a DEFAULT NOTICE under section 87(1) Consumer Credit Act 1974 stating that they require £5390 by Oct 9. They already received by recorded delivery in May an income/expenditure form,proof of income and copies were scanned and emailed to the international department in July when I was trying (and managed) to get EOS ( a debt collection agency) off my back in Slovakia. I think this default notice is pretty petty and deliberate because of the CCA request. The international dept. said someone would contact me (they named an individual) to discuss a repayment plan. I have emailed the individual back, assuming she still works for them (high turnover of staff?!) and will not deal with them by phone. Fortunately me email system has a delivery recording feature which shows that it has been received. The saga continues....Quite surprised they found the original CCA from 1999 as MBNA took over the Save & Prosper/Robert Fleming credit card services at around that time.

Link replied yesterday with a (true) copy of my MBNA CCA from 1999 (and a holding letter regarding my HFC/Marbles account which is apparently taking longer). The very next day, I got another letter from LINK (a DEFAULT NOTICE under section 87(1) Consumer Credit Act 1974 stating that they require £5390 by Oct 9. They already received by recorded delivery in May an income/expenditure form,proof of income and copies were scanned and emailed to the international department in July when I was trying (and managed) to get EOS ( a debt collection agency) off my back in Slovakia. I think this default notice is pretty petty and deliberate because of the CCA request. The international dept. said someone would contact me (they named an individual) to discuss a repayment plan. I have emailed the individual back, assuming she still works for them (high turnover of staff?!) and will not deal with them by phone. Fortunately me email system has a delivery recording feature which shows that it has been received. The saga continues....Quite surprised they found the original CCA from 1999 as MBNA took over the Save & Prosper/Robert Fleming credit card services at around that time.

Sundancer 23 Metropolitan collection Services Ltd 56 St James Road Edgbaston Birmingham B15 1JL

castlebest yes, she did. She posted both the post office's recorded delivery receipts...

I live in Slovakia and have asked a friend in the UK to send two recorded delivery letters to their address in Edgbaston Rd, Birmingham as I had to answer two letters from them where there were inaccuracies. I wrote in May and August, 2nd class recorded delivery. Neither letters are confirmed as having been received on the royal mail website. It's not unknown for me to send recorded delivery letters for them to be received but not to come up on the royal mail website. However, it's a little strange that BOTH recorded delivery letters have not registered.

I just got the same letter from LINK regarding an MBNa account and a Marbles one. On both my letters, I did NOT get the second paragraph about @no administration charge etc.' I also submitted a formal complaint about them referring the debts to EOS in Slovakia where I live and EOS claiming 4000EUR more than quoted on the Link letters. I also said I was sending a copy to their mamaging director Mr Paul D Burdell and quoted his home address which someone posted from their search on the web from a site that lists directors' addresses! They'll have a problem with MBNA. My agreement was originally with Robert Fleming/Save & Prosper in 1992 or 3 and MBNA bought that company in the mid 90s... I followed someone's advice and signed my letter over the following: **--------#--------** so it can't be easily scanned/copied (as if anyone would even contemplate doing that!) I've also said I will continue to pay Marbles and MBNA directly as a sign of good faith based on the % payments I've offered to other companies. I sent the letter by DHL from Slovakia (nearly £30) but it's a belt and braces approach.

I think it finding the CCA may prove difficult (regarding the MBNA details, anyway). Whilst Link claim to have bought the account from MBNA, the account was originally a Robert Fleming/Save & Prosper card which I took out ca. 1992/3; their credit cards were bought by MBNA in the mid-90s, so finding th paperwork will be interesting. (Even more interesting would be MBNA producing an MBNA agreement with my signature [following the anecdotal evidence on these forums]). I'm not out of the woods, but dealing with Link thru the UK system will be a lot more transparent.

GOOD NEWS. I got an email from the Link Business Support unit saying they had instructed EOS to close their accounts in Slovakia (with the proviso that they can be reopened). I think when they found out I was renting an apartment (I scanned the rental agreement) they probably realized they couldn't get a juicy charging order, or the equivalent. Coincidentally, this morning I sent a CCA and complaint to Link by DHL...if they had replied sooner I could've saved £35!. I emailed back saying that I wasn't paying Link anything, but that as a sign of good faith I would continue paying the original creditors directly, MBNA and Marbles. The Kafkaesque nightmare of the Slovak legal system getting involved has been lifted. The Business support section had said that another dept. of Link will be getting in touch (prob. the dept. that so goads many other posters on here). I don;t think I'll lose much sleep.

GOOD NEWS. I got an email from the Link Business Support unit saying they had instructed EOS to close their accounts in Slovakia (with the proviso that they can be reopened). I think when they found out I was renting an apartment (I scanned the rental agreement) they probably realized they couldn't get a juicy charging order, or the equivalent. Coincidentally, this morning I sent a CCA and complaint to Link by DHL...if they had replied sooner I could've saved £35!. I emailed back saying that I wasn't paying Link anything, but that as a sign of good faith I would continue paying the original creditors directly, MBNA and Marbles. The Kafkaesque nightmare of the Slovak legal system getting involved has been lifted. The Business support section had said that another dept. of Link will be getting in touch (prob. the dept. that so goads many other posters on here). I don;t think I'll lose much sleep. Thanks to thsoe who offered moral and online support, even of the 'stalking' kind.