Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #201
    Basic Account Holder blondiegirl Novitiate



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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    I was advised to wait until I hear back about the SARicon - I have those now. What am I looking for? What do I do with them?

    They have sent what appears to be 3 x signed credit agreements.

    - BlondieGirl
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  2. #202
    Classic Account Holder
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    Follow Real_CAG on Twitter
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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    You certainly don't wait to cease payments, this should be done asap

    What you are looking for are any regulatory breaches in the handling of the account

    However once you cease payments you will have plenty of time
    as you will have to sit on your hands for a few months
    in order to let them incriminate themselves

    Forget about the credit agreements for now, we can have a look when they reply to your cca requests

    It would be useful if you could uploadicon minus personal details

    The narrative from the MBNA SARicon for the few months prior to the sale to Idem
    The narrative from the Idem SARs
    and any letters sent by you to Idem and their replies


  3. #203
    Basic Account Holder blondiegirl Novitiate



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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    Thanks, and payments have now ceased!!!!!

    They have replied to my CCA requests and sent 3 x signed copies of signed agreements.

    I uploaded one on here which was almost impossible to read (I can hardly read it).

    Not sure if they're simply application forms or actual agreements
    - there are pages of info attached.

    I will uploadicon them once I've blanked off the names etc, but as with the other, they're hard to read.

    I will search through the SARs prior to the sale.

    - BlondieGirl
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  4. #204
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: MBNA Card AP/DMP/AR markers removed after FOS complant - but wont rule on IDEM DCA ones!

    Better to scan up the comma/account log
    One multi page PDFicon please

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