Jump to content


cupcake68 Vs A & L


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4096 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Guys

 

An interesting reply to my SAR sent to Experto!

 

They "do not hold your original documentation. The information we can supply will therefore be limited to that held on our screens. We do not hold a copy of your agreement of (I think they mean or!!) other documents sent to you by MBNA. Please advise whether you wish us to proceed with us (Their spelling mistake not mine!!), or whether you would prefer us to return your fee, so that you can direct your request to MBNA. You may of course submit an application to them as well as us"

 

So..

 

Am I right in saying they cannot take it to court if they do not have agreement?

 

I assume I write back and say yes I do want to continue with my request and their time is running out?

 

Thanks

 

Cupcake

Link to post
Share on other sites

Hi Minmoo

 

I CCA'd A&L in march 09.

 

The finally replied in June 09 enclosing a stack of terms and conditions and my current staement of account. The covering letter said "we are sorry we have not been able to send you a photocopy of the original agreement but hope that you will find the enclosed copy clear to read and sufficient to your purposes. I can confirm a copy of the original agreement has been requested for you and should Alliance & Leicester be able to provide us with a copy we will forward it to you."

 

Which was all a bit odd because the letter was from Alliance & Leicester!

 

That was all I heard until I got the default notice in Nov 09 asking me to pay by 261109

 

Then in December 09 Experto wrote to say Varde had bought the interest of MBNA in the account and as such are now the legal owner of my account. Under the terms of this assignment Experto has been appointed by Varde to recover outstanding sums

 

It wasn't until last year I discovered Experto had filed a Default on my credit file back in October 09 (before MBNA sent me a default!)

 

Cupcake

Link to post
Share on other sites

  • 1 year later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...