I sent letter using 1st class post without proof of postage a few months ago. In the letter I requested a copy of the original credit card agreement A copy of default notice notice of assignment details of last payment.

Hello I received the SAR from MBNA. They do not have a record of default notice and also cannot provide me with a copy of credit agreement. PRA group did not respond to my Pre Action Letter I sent in a few months ago. However they have just sent another Letter before action which I will respond to.

SAR has been sent to MBNA today. I guess it's now a waiting game. Still no response from the Pre Action Letter. Is it worth sending another letter?

Sorry just getting used to this site That's all I have been provided with in regards to my application. The only thing I forgot to upload is another page of T&C's

That's all I have been provided with in regards to my application. The only thing I forgot to upload is another page of T&C's

Hello CAG, I hope someone can help me I have received a Letter before Action from PRA formerly Aktiv Kaptial for a MBNA credit card I opened in 2006 online for £3300. Due to unemployment the credit card defaulted in 2012 with MBNA and the last payment made via a Debt Management Plan was in March 2013 to Aktiv . I made a CCA request and they provided me with the attached documents with t&c's. I have responded to their Letter of Action using 1st class post on 3rd December 2016 but no response yet asking for copy of the original credit card agreement, default notice, notice of assignment and details of last payment. Prior to the Letter before Action I have been offered a 50% discount. Can you help me? merged.pdf