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Michelangelo48

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  1. I Have had a threatening letter from Arden, as many others have had on this site! threatening legal action and or a CCJ, a charging order or Attachment of earnings! I have been unemployed for four years so gôd luck with that! Should I consult a solicitor. I neéd to post up the Agréement as sent on one açcount! I néed to get a SAR off to MBNA asap which will show .Should I send your dôrstep letter? There are significant fées and charges which are unenforceable açording to what I have read on your site! Should I compose a letter to Arden to try and counteract their Threat_o_gram! They have also threatened to send somebody to my door. This has reallly upset me
  2. Hi Andy, It does have my sig, on the one account sent. I asked for a CCA on both accounts. I am not keen for my initals, name to appear on the forum as I know Idem probably read the site! These people keep ringing to harass us despite my sending the anti harassment letter four months ago! There have been considerable penalty charges and fee and interet on the two accounts over the years, which would have meant the default sum would have been wrong- and therefore both accounts may be unenforceable- if I am reading the info on thiis site properly. In early 2012, I only got one NOD from the OC, and no OFT Fact sheet or debt, and no NoD and fact sheet from the other Account! I clearly need to check my CRA file and asap, or immediately!
  3. Hi Andy, It does have my sig, on the one account sent. I asked for a CCA on both accounts. I am not keen for my initals, name to appear on the forum as I know Idem probably read the site! These people keep ringing to harass us despite my sending the anti harassment letter four months ago! There have been considerable penalty charges and fee and interet on the two accounts over the years, which would have meant the default sum would have been wrong- and therefore both accounts may be unenforceable- if I am reading the info on thiis site properly. In early 201e, I only got one NOD from the OC, and no OFT Fact sheet, and no NoD and fact sheet from the other Account! I clearly need to check my CRA file and asap, or immediately!
  4. Hi Cit, Dx, Andy, I dont have access to a scanner, but it looks like a Recon Agreement, it looks to be signed by me in the signature box also has the date as mid 2012 in'my writing- appended to this document in a different script or bigger type face of a different type ,Obviously added T and C's. Yes they did split the account into two sep accounts, with different ref and account nos, They forced me to accept this over the phone, as the credit limts was going to be breached, or so they said. Should I have been forced to accept 2 new accounts. I read that Credit is a key term, and if they cannot meet it, then there is a breach under S127 of the CC Act 1974?
  5. Could I have some urgent assistance from the Site Team ,Citizen B, Dx100, Dadof holly, Andyorch. I have received what looks to be a reconstituted copy of the Agreement on one my "Accounts". However, the account was split into Two separate Accounts in 2005, as my credit limit was breached which necessitated splitting the single account into two new accounts by MBNA. They rang me to force me to accept the 2 new Accounts in early 2005. This was all agreed over the phone and nothing was ever put in writing and no CCAs,were ever sent to me for the two new Accounts. Is the single recon agreement, eg A Single A4 sheet or part of an agreement, which has what looks to be my signature with a date on one side of the photocopy and a credit limit and barcode on the other side of the A4 sheet- with a list of additional Terms and conditions of Contract stapled and appended to th photocopy. No original signed agreements for the two new Accounts were enclosed in the letter- both new accounts were agreed over the phone nothing was ever put in writing and no CCAs were Ever received. The two Accounts were given to Idem Servicing in March this year. Idem also request in the letter received this afternoon that I contact their Servicing Team to make "a mutally acceptable payment arrangement. Failure to do so will result in your accounts being passed back to our Collections Team for review ". I would really appreciate some advice if possible. Thank for all previous help and advice. Ma
  6. The argeements were only requested at the start at the start of October! So how could Idem have encloswed them in their letter dated early Sept!Very fishy indeed!
  7. What if the creditor tries to state a verbal agreement was reached over the telephone to take out a credit card. Idem sent me a letter in early Sept stating they were enclosing a CCA.However they failed to enclose a copy of the Agreement, I wrote back enclosing anAccount in dispute letter. Iden wrote back saying they need to talk to me and discuss the AID letter. Ii am still receiving phone calls from them, 3 times a day, despite the account being in dispute as they have not complied with the CCA request.
  8. Hi DH just received std holding letter! No response to CCA Requests for the 2 accounts! Should I issue the Account in Dispute Letter!
  9. Hi Mikey! This,seems to be a favourite ploy of MBNA's we are not dealing with scrupulous honest and above board people here! I have,seen many things in my life and these peoople are the most unscrupulous I have EVER met!! So Mike. Dont trust these barstewards! You are not on your own here@ Thanks for all your help with my thread@Above and beyond the call of duty! This does seem very fishy ask yhe site teams advice in challenging a Recon statement!!
  10. Hi Mikey, Are,you sure this isnt just a reconstitiuted copy with the two eleclronic "signatures" being lifted from other docs and scanned in! AFav MBNA ploy! just a thought mate!
  11. Hi Dafodholly, The site has removed your link and I have therefore lost the link for the doorstep letter! I would really appreciate it if you would you repost it please! sorry to be a pain again.! M
  12. I Have read on the site that even when Arden were sent an Account In Dispute Letter they still called repeatedly and ignored the dispute! M
  13. I Have read on the site that even when Arden were sent an Account In Dispute Letter they still called repeatedly and ignored the dispute! What happens if while I ignore their calls during the 14 days they send a debt collector to the door! M
  14. Hi D Sorry to bother you again! I couldnt get a link to the Account In Dispute Letter again! M.
  15. Hi D, thanks again 4 calls yesterday from Arden! Another 2 calls today at 8.30 am and 8.45am-withheld number and then message to phone Arden on 0800XXX.. And our offices are open to 9pm this evening! did not answer them. All times days and dates of course any message content logged with Telephone Attendance notes_All logged I was an enforcement officer in a past life! Do I send the telephone Harassment letter on Monday? My partner, who is on Incapacity Benefit is that distressed I will have to take her out somewhere! This will all form part of my complaint to FOS! CCA Sent 14th May 2012 so is 14 working days 30th May 2012, M
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