Help please, is anyone out there?

Right, next stage. Sent CCA request to MBNA who have returned it with signature. Today got a letter from Bryan Carter saying pay in next 14 days or they recommend action. They say to contact Freddies with an offer, not MBNA. There has been no notice of assignment and MBNA have not replied to an offer of a token gesture. What should be done next? Business has gone bump and there are no jobs to be had, should I go for CCJ because at least the court will accept a small amount and the 6 year clock will finally start ticking. Any suggestions please?

Right, next stage. Sent CCA request to MBNA who have returned it with signature. Today got a letter from Bryan Carter saying pay in next 14 days or they recommend action. They say to contact Freddies with an offer, not MBNA. There has been no notice of assignment and MBNA have not replied to an offer of a token gesture. What should be done next? Business has gone bump and there are no jobs to be had, should I go for CCJ because at least the court will accept a small amount and the 6 year clock will finally start ticking. Any suggestions please?

Thanks for your reply. The last paragraph says:- 'We confirmn that we have placed your account on a twenty eight day hold from the date of this letter to allow you time to contact our client if we do not hear from you with an update as to your position within that time we will resume collective activity.' Am I supposed to contact them and MBNA or are they just pushing their luck. They didn't comply with the CCA request at all,

Sorry but what is a CRA file?

Sorry to jump in on the thread but after making a CCA request to Fredricksons they have today sent a reply returning the £1 PO. They have not provided CCA information The letter says the CCA request has to be sent to MBNA with PO made payable to them and that they will give me 28 days then 'resume collective activity' What should I do nex please?

Sorry to hijack the thread but not sure how to post. I'm dealing with Fredrickson chasing for MBNA for £10.5k. I've sent the CCA request and eventually yesterday received a reply. I can't scan so I'll type in the gist. They've returned the PO and said to contact MBNA as it is for them to answer. They also say they will hold further action for 28 days and then continue chasing it up. It;s clearly a standard letter with adm_BOA_cca_sar on the bottom of the letter. It looks like they have decided not to comply with request to provide CCAs or SAR as per legal requirements. Has anyone any suggestions as to what to do next please? It's been such a relief not to have those vile texts all day every day. Help please anyone?