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Drydens for Max Recovery - MBNA card Default On Credit File


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stop sending stupid letter tennis rubbish

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think they know they are screwd!!

 

Makes you laugh putting the account on hold for 14 days!!

 

They can feck off!!

 

I will get help with remission fees as I am on contributions based esa of £110 per week.

 

So, if I win (fingers crossed), can I sue them for stress without proving a valid debt!?

 

Lets not get a head of our selves.....you dont even know if they will issue a court claim...and no you cant sue for stress.

We could do with some help from you.

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  • 1 month later...

Just a quick question.

 

If a creditor refuses to supply a copy of default notice under Section 87, what will then happen if they attempt to issues proceedings?

 

Also, under Section 99, failed to issue a Termination Notice of a regulated credit agreement.

 

Thanks.

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failure to prove is fatal to enforcement

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dunno

whats the question all about

whats the debt all about...

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

I thought I would ask another question.

 

I have an understanding that the account with MBNA has never gone into default before it was sold on.

 

This is why Drydens are saying there is no valid default notice.

 

So, if the debt was not in default when it was sold on, is that even legal!?

 

I have sent an SAR to MBNA last week asking under the DPA for any copies of the original default notices, and for any information when the debt was sold on.

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id wait for the sar then.

 

 

you need to go read this threads from the start again.

you keep harking back to MBNA never defaulting you

they did.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I am at the end of my tether with Drydensfairfax.

 

1. Refusing to supply me with a copy of the original default notice.

 

2. No acknowledgement of the detail income and expenditure sheet plus I sent them copy of my ESA benefit letter as proof of

sole income

 

3. Wanting payment to their client Max Recovery when they know my financial situation that I am unable to pay

 

4. Provided me with a copy of a credit agreement that was too small to be read and thus ineligible.

 

I'm getting nowhere with this lot and worried that they will now issue proceedings.

 

The Notice of Assignment they provided me with is not even valid and they are aiming to use this as a Deed of Assignment!!

 

I have sent an SAR to MBNA which will take up to 40 days.

 

Any advice please!!

 

TIA

REply to Email Complaint.pdf

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As this relates to a previous thread, the site team will add it to the existing thread, to get the full picture.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?478262-Drydens-for-Max-REcovery-MBNA-card-Default-On-Credit-File

 

Can you explain your complaints to either the CSA or FOS ? Just to make sure the grounds you have are something they can look into.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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I have spoken at length to the CSA today and are very helpful.

 

They are asking Drydens why are they refusing to supply copy of original default notice under sections 87, 88 89 of the cca 1974, why they have ignored my detailed income and expenditure, they are asking 3 questions and probably a lot more in their review.

 

The Notice is assignment will be questioned as they admit it was a template and was not address to anyone with missing name address and account number.

 

He said I can refer the matter to the FOS after they have finished with it.

 

He also said they can insist that Drydens remove the default off my credit file due to refusing to supply me with the default notice.

 

Drydens up up creek without a paddle!!!!!!! So feeling very amused!!

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I did advise against this ...it will make you Ill.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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The CSA are dealing with it now.

 

Drydens can't produce nothing, and they still ask me for money for their client.

 

CSA have said quite clearly a lot of questions need to be asked which they will do for me.

 

In the event of things, the CSA quite clearly told me that under section 87 of the CCA 1974 if they keep refusing to supply me with a vlid copy of the original default notice, they can demand the default be removed.

 

They can also advise Drydens against issuing any proceedings due to lack of default notice.

 

Its simple.

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I think the CSA are barking up the wrong tree...creditors are not required to keep hard copies of Default Notices...so the chances of Drydens for Max Recovery providing one are zero.... as long as their systems (MBNA) can prove one was issued that will be accepted in any court claim

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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I've asked under the SAR for the following:-

 

Copies of original default notice

Anything in relation to when the debt was sold to Eversheds/Max Recoveries

Copies of the deed of assignment (not notice of assignment)

 

I've quoted I am entitled under the DPA 1998 Principle 6 to see such data and I have quote that there is no current legislation which prevents me for seeing the deed of assignment

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Deed?

you'll never see that

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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In the letter it says that the "deed" being used is the Notice of Assignment.

 

The Notice had no name address or identifying account number and only had 1 signature.

 

A "deed" has to contain 2 signatures and 1 of the assignee.

 

So if they do use this as the "deed" I think it will fall flat!!

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freeman of the land twaddle

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I've asked under the SAR for the following:-

 

Copies of original default notice

Anything in relation to when the debt was sold to Eversheds/Max Recoveries

Copies of the deed of assignment (not notice of assignment)

 

I've quoted I am entitled under the DPA 1998 Principle 6 to see such data and I have quote that there is no current legislation which prevents me for seeing the deed of assignment

 

But your personal data is not contained within the Deed of Assignment its between the Assignor and Assignee (the sale value of the agreement)....only the Notice of Assignment contains your personal data...therefore principle 6 does not apply to you .

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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The Notice of Assignment had no name address or identifying account number. Its blank. See post 57.

 

Thats because its a template copy of what you would have received...again there is no requirement to retain copies of Notice of Assignment

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Doa?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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