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Mbna - Properly Executed Agreements


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Like Rhia, I am starting this thread as an information gathering exercise.

 

If anybody has had a CCA request properly fulfilled by MBNA ie : they have received a true copy of the executed agreement with ALL prescribed terms in accordance with the act, could they please post here to let us know.

 

Thank you!

 

 

*Tumbleweed ...............anybody!!*:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Well, I haven't!! I got an application form with my sig, the date and very few of the terms prescribed by the Act or the 83 SI.

 

I thought I would give this thread a bump given that it already has cobwebs and tumbleweed everywhere............wonder why???!!!:rolleyes:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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I thought I would give this thread a bump given that it already has cobwebs and tumbleweed everywhere............wonder why???!!!:rolleyes:

 

I don't know who should be more embarassed, me for starting this thread or MBNA for making it necessary for me to do so!!! LOL!!

 

Just giving it a little bump to prevent it from floating off into eternity......:eek:

 

Silence is golden...........;)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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I hate to say I told you so...:lol:

 

LOL!!! I hate to admit you were right.............:rolleyes:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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I hate to say I told you so...:lol:

 

The Properly Executed Agreements thread was like a decaying old mansion, broken windows, cracks in the plaster and warped floorboards, even the mice had deserted it.......there were long forgotten echoes of the Men In Black, the cobwebs hung undisturbed from ceilings and stairs, leaves blew through in the gentle breeze, water dripped from the broken guttering.........all was quiet..................

 

AND THEN IT ALL FELL DOWN AND WE ALL LAUGHED.:lol:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Saw the thread high up in the pecking order and thought must drop in, looks like Corn has nabbed one.

Nope...just the sound of the tumbleweed. Have you found Miss Haversham's wedding dress laid out on the bed yet? LOL.

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Saw the thread high up in the pecking order and thought must drop in, looks like Corn has nabbed one.

Nope...just the sound of the tumbleweed. Have you found Miss Haversham's wedding dress laid out on the bed yet? LOL.

 

I thought you might appreciate that R!!! LOL!

 

Wedding dress? No? Hanging skeletons?? Plenty!!!!:o

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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No executed agreements for me - one was just the application form (with not even a space for their signature) and eventually got a letter on the other one from the Compliance Department saying they couldn't provide it due to 'archive retrieval problems' Whoops - what a valuable letter that could be. Thanks MBNA.

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No executed agreements for me - one was just the application form (with not even a space for their signature) and eventually got a letter on the other one from the Compliance Department saying they couldn't provide it due to 'archive retrieval problems' Whoops - what a valuable letter that could be. Thanks MBNA.

 

Jesus Senior, you kept that quiet!!!! WHY??!!!! I would hit them with the full "bugger off I am not paying, give me my money back letter". I wouldn't hang around, that letter is worth a decent lottery win if you ask me!!!

 

Tell us more.......how EXCITING!! It seems to me to be the first admission from MBNA that they can't provide!! How old is your account?? Questions, questions, but my GOD, why didn't you tell us this before??!!!! I am all beside myself now and have farmed child off to orphange and divorced husband!!!:lol:

  • Haha 1

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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This is my ex-Abbey account that started out with National & Provincial Building Society donkeys years ago and ended up with MBNA. Sent my CCA in November 2006 and got this reply in January

"Unfortunately due to archive retrieval problems we are unable to obtain a copy of the agreement for account **** **** **** **** which relates to your Abbey MBNA priority rewards Credit Card. Please accept my apologies for any inconvenience caused"

- didn't really understand whether it meant they couldn't be bothered to look for it or just didn't have it. They didn't send my £1 back though.

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This is my ex-Abbey account that started out with National & Provincial Building Society donkeys years ago and ended up with MBNA. Sent my CCA in November 2006 and got this reply in January

"Unfortunately due to archive retrieval problems we are unable to obtain a copy of the agreement for account **** **** **** **** which relates to your Abbey MBNA priority rewards Credit Card. Please accept my apologies for any inconvenience caused"

- didn't really understand whether it meant they couldn't be bothered to look for it or just didn't have it. They didn't send my £1 back though.

 

 

AAAAAAARRRRRRRRRRRRGGGGGGGGGGHHHHHHHHHHHH NOOOOOOOOOOOO! What you have is gold dust here!!! They can't find your agreement!! You have it in writing!!! Never mind the one bloody pound!! You need to write them a consolidation letter which means they should pay you back every bit of interest you've ever paid them!! WHICH WILL BE A LOT!!!!

 

OH MY GOD, I NEED A LIE DOWN!!!:eek:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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I think the writer of the letter (I know who you are) may soon be paying a visit to Chester Jobcentre. Glad this made you happy!

 

 

Senior, thread search ZUBO, he sent a cracking letter regarding consolidation!!

 

For GOD's SAKE go for it!!! GO ON be our guinea pig!!! LOL!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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And another thing - the same person wrote this concerning my other (MBNA) account -

"Please accept my apologies for the delay in sending a copy of the application form with the terms and conditions attached. As per your request, I have now managed to retrieve a copy of the application form with the terms and conditions attached."

Oops!

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Senior, they've opened the door, asked you in, made you a cup of tea, and then asked you how much you would like a chequ for - all in 2 sentences.

 

If ever there was a bloody strong case for an un-enforceable agreement, with penalties and their interest, with contractual interest added in a claim - THIS IS IT! lol

 

I think for an element of certainty and dismissing any false sense of security - it really would be worth exhausting all attempts to retrieve and request again the agreement. If there is no positive response from them, then I would say, Tongs, Hammer, Go For It!

 

Please keep us updated on this.

 

Regards

Perseus

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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The Properly Executed Agreements thread was like a decaying old mansion, broken windows, cracks in the plaster and warped floorboards, even the mice had deserted it.......there were long forgotten echoes of the Men In Black, the cobwebs hung undisturbed from ceilings and stairs, leaves blew through in the gentle breeze, water dripped from the broken guttering.........all was quiet..................

 

AND THEN IT ALL FELL DOWN AND WE ALL LAUGHED.:lol:

 

And you say I've been taking literature lessons from M55! Hmmm - Kettle, Black, Pot, The, Calling - rearrange to form a rather appropriate phrase! :-)

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Share on other sites

:lol: :lol: :lol: :lol: :lol: :lol:

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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Corn, is that the thread with 1825 posts?? Making you happy is enough for one night - I'll read it in the morning.

 

Oooh you shocker you!!! You sound just like my husband!!!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Share on other sites

And you say I've been taking literature lessons from M55! Hmmm - Kettle, Black, Pot, The, Calling - rearrange to form a rather appropriate phrase! :-)

 

He's gone to bed so I am safe to post!! LOL!!!!:o

 

Guilty as charged P!!! I have to admit that M55 has been huge influence in my capacity as a thriller writer. However, I think he is blanking me at the moment!!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Share on other sites

Not that safe Corn!!!!!!

 

p

x

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Not that safe Corn!!!!!!

 

p

x

 

Get the HELL out of here P!!! :eek::eek::eek::eek:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Share on other sites

And here's me thinking you were getting a nice family cuddle up night!

:cool:

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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