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  1. Quick update - I've had success with one of my catalogue companies! Additions Direct - used to be Abound - admitted to not being able to find/not having a credit agreement for me. So I wrote back saying that the debt was unenforceable and that I wouldn't make any further payments. I have now received a letter from them confirming that they agree and that they will not be pursuing me! Woohoo!! It's my smallest debt at just over £700 - but every penny helps!! Thanks so much to this forum.
  2. Hi all, I know I have seen on here before that there are requirements creditors have to comply with when debts are assigned from one company to another. One of my cards used to be with HFC and has been assigned/sold to Marbles (BoS). Is I right that I can ask for a copy of the Deed of Assignment to evidence that Marbles are now legally entitled to persue this debt with me? I think I read that on here, but I can't for the life of me find it now! Any help would be great. Cheers
  3. Quick question - sorry to thread jack - where is the letter for SAR credit card companies on here? The only one I can find is in relation to bank charges. Or do I just adapt that?? Many thanks CB
  4. Thanks Davey - when I started this thread back in Jan I was a bit ignorant as to what would and could happen. Many hours of reading the boards since....I now have a much better idea. Thanks for your response though
  5. Hi guys, Quick question please.....what have you done when you have received these apparently doctored agreements? Have you taken it further with MBNA? I note one person's comment that they asked to go and view the original at MBNA's office - brilliant!! I'm not sure what to do next. My agreement doesn't have the pasted column, but I really don't think the entire back page is real!! Any advice would be great............sorry to thread jack!
  6. I've got three cards with MBNA and have only had one response from them so far. I hear that they are notorious for cutting and pasting and I think that my agreement is no exception! They have given me a double sided agreement, but I don't believe for a moment that it is a copy of the original. There is some ghosting on the second page, but that is just from my copying their back-to-back copy. What do you think?!?!?
  7. That "bleed through" is from my copying of their copied document (as they have copied it back to back). I still don't think it's as per the original. Underdog - thanks for that.....strange how different they are!! I smell a rat!!!
  8. Please can someone have a quick look at this CCA received from Virgin (MBNA) and see if it looks enforceable. I have my doubts about the two pages being part of the same agreement. They have photocopied them back to back, but I'm not sure that's how the original appears. The numbers at the bottoms of the pages are not consistent. Does this look like MBNA cutting and pasting?! any help would be great please....
  9. Steven / Davey / someone! Please can you have a look at my thread and advise me what I should do next......thanks so much in advance of your help......I really appreciate the support on this site http://www.consumeractiongroup.co.uk/forum/general-debt-issues/183817-help-illegible-copy-cca.html
  10. Then it doesn't comply with the Regulations and they have not been able to satisfy the CCA. It must therefore be unenforceable.
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