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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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MBNA (Abbey credit card) returned £750....


janna
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Hi there

 

I have n't posted on this topic, as I am still waiting for my dpa request for statements to arrive -( plus I have other cases going on.)

Today I recieved a call from MBNA offering me a full refund of all charges. It was so easy - there was no resistance ( unlike the Halifax and abbey)

They are sending me out copies of all my statments for me to verify the figure, and the cheque will be out in the next 10 days for £750.

My account is closed - maybe that was why they did n't protest .

I had n't even got as far as writing the letter before commencing proceedings.

They were really adament that they did n't wish to go to court - so I decided to ask for the full amount. ( they did make two offers before they settled in full) So I got a call at about 9.30am, refused their 1st offer and got another call just after 12, and withn 10 min it was done and dusted.

 

I will still keep the clock ticking just in case they don't procced to settle - will let you know when I get the cheque :D

 

So keep going people - you'll get there sooner than you think....

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Good Morning

 

I have just received my letter from the abbey credit card (MBNA) , confirming that they will be sending me a cheque for £750 within the next 10 days. It also includes a ton of paper detailing all of my transactions with them - so that I can confirm the figure is correct. ( if forum what a copy of letter, let me know)

It is quite a nice letter, obviously not admitting any wrong doing, and stating that they are making the payment as a 'goodwill gesture.

 

I must say, it has been very pleasant dealing with them, as oppose to Abbey who are being pains in the a*#e, for a sum that I believe is less than MBNA have refunded.

It's such a pity that all institutions are not as polite and straightforward as these have been, although they'll probably never give me another credit card. Oh well....

 

 

Have a great day...I know I will

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I can report a very similar experience with MBNA... It couldn't have been easier.

 

After going through my statements, I made an arbitary calculation of £48 owing in interest charges on top of the £395 penalties. They even calculated what the true interest charges were and are giving back more than I asked for!

 

They are however closing my account... But that's no great loss!

 

Jon

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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