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MBNA CCA request reply - advice needed


SOHO_Wilson
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Had the following back from MBNA in response to a CCA request.

 

2 sets of T&C's, one current, and one supposedly from the time they card was taken out (not sure how I'd actually verify that)

 

A summary statement showing current balance

 

And a "copy executed agreement"

 

Have uploaded the covering letter and the redacted "copy executed agreement".

 

Basically, is this valid? This card was taken out in late 2014, and from what I've read it seems like it probably is a valid an enforceable response to my request, but would like to be sure before taking next step (MBNA bluntly rejected a recent full and final offer of around 60% of balance, claiming they never accept such offers. I should also mention that the debt is still with MBNA and no payments have been made for 3 months now.

 

Current balance is a around £10.5k. Borrowing from family and selling a few things I reckon I could raise £8k tops. It doesn't seem like MBNA would accept this as a full and final, and all the while the interest mounts up.

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Send them our prorata letter offer from our debt collection section of our library

There are very few wriggles on CCA if the debt is post Apr 2007 and still with the original creditor

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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And tell them if they dont stop the interest accruing, youll drop the repayments right down and issue a formal complaint. They have an obligation to help you. Not to ignore you and profit off it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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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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