Hi Hopeful Hunny, I wish I could give you valuable advice, so just a big hug for now....... xx

Hiya sweet things.................. I read somewhere that you shouldnt go for the compounded, unless you totally understood it, and that sums me up I think. MY spreadsheet is just for contractural at 24.9% It is raining here, and I decided to stay home rather than attempt the pub quiz again! need to revise more before I do that again!

Andrew Tyrie Mp for Chichester, emailed this evening

I have been considering taking this route, simply cos I cannot afford to go through the court at this point, particularly if the case ends up being "stayed" and my court fee ends up being lost for month, I realise that this is straying off topic a bit, but can you still ask for CI, or even CCI if you take this route? or is it simply charges? Thank you x

Question Pennypenny? Did you contact them to send you the balance? As regards the CCA, I am sorry but I am not sure what to advise...... I beleive that I have read that you will not receive a CCA for a closed account, however yours is not closed is it? Just a small credit balance?

Thanks Hopeful........ I do sound like I am gearing up for something don't I? i suppose I am, the thing is I am ready to file at court with my old Abbey National current account, but because of the "stays" I am holding back for the time being, same really with my Barclaycard claim, also ready to go to court with that one........... Just keeping the mind active I suppose, plus I am back to work tomorrow after a fortnight off, and I can finally get my letters printed (I ran out of ink last week!) How are you doing Hopeful?

yep, football and me do not understand each other... Barry White quivering!!!!!!! well well well !

now Wednesday, I love you dearly mate...... but you have totally lost me there! what coupon?

i get it...... bit slow when it comes to football............the team I lean towards got booted out into the conference league for the first time last season.......

i think that there are some wonderful people on your thread! I was PM's and called Buffy the Bank Slayer after a conversation we had on there!!

this weekend? thought it was last weekend?

When I first received the letter above, I posted it onto my MBNA thread, in the hope for some advice regarding getting my charges back..... I do beleive that MBNA admitting that they are "unable to retrieve any copy iapplications made directly with Abbey, prior to Abbey prior to the conversion to MBNA that happened during 2001" was the key to my charges being refunded back to me without having to take this to court Dpick saying (above) that I have struck gold echoes what Corn and Battleaxe have said to me in the past.... In fact Corn was the one who first mentioned that I could be able to take this further, "Consolidation" she called it, which when I queried (lol!) waas informed that it meant the possibility of claiming monies already paid to MBNA......I have tried to get in touch with Corn again regarding this thread, but so far without success, I will try again...... which is now what I would like to do and what mine and Wednesdays threads are based on (along with various good humour and some new buddies along the way!) Thanks to Shane I have a wonderfully worded letter, which I hope one of you wonderful people will help extend a little, to (as Wednesday suggested) to let MBNA know that a) they have admitted they cannot provide me with the copy agreement and b) I know the legalities and understand the Consumer Credit Act and finally c) insist that they pay all the interest I have ever paid to them (well, 6 years worth anyway) back to me............... Sorry if you feel I am repeating myself and waffling somewhat, and you are most definately right... but I wanted to just condense my thread into one post, for my own sake as much as anyone elses..... Hope you are all having a wonderful Monday, the sun is shining, it's a beautiful evening xxx

edited......................................................

HI Sozzer............ Yes I really do... Send an amended letter enclosing the spreadsheet plus 24.9% it bumps it up beautifully and you are entitled to it.

I just thought I would post this letter, received a couple months back.... this confirms that they do not have my CCA anywhere Dear Mrs Standingupformyself Request under Section 78 Consumer Credit Act 1974 I refer to your recent request. Your account was opened directly with Abbey on 19th March 1996. Unfortunately we are unable to retrieve any copy applications made directly with Abbey prior to Abbey prior to the conversion to MBNA that happened during 2001. The copy of the Terms and conditions I previously provided satisfy the requirements upon lenders as per S.78 of the Consumer Credit Act 1974. If a lender did fail to comply with S78, that lender may be prevented from taking certain steps to enforce a credit agreement (until such time as S78 eas satisfied) but the underlying credit agreement itself, together with the borrowers obligation to repay, remain valid and intact. For the avoidance of doubt, we would like to confirm that MBNA has responded in full to the request you made under S78; and in any event, your credit agreement remains valid and your obligation to repay remains intact. We trust we have resolved this matter, but should you wish to discuss this matter further please do not hesitate to contact me. Peter Cross CUSTOMER ASSISTANCE MANAGER

ditto xxx

Hi Monty. I think Wednesday is further ahead than me on this......... He seems to be more underway than I am........ I am still reading and re-reading at the moment. http://www.consumeractiongroup.co.uk/forum/mbna/104386-mbna-no-cca-gimme.html try his link

you could be right, and I can relate! Standing is definately the wrong name for me this morning..........curled up in a ball describes me better!

I was not around last night............Bacardi and my best mates beckoned! Thank you Shane, that is excellent. I will get that letter sorted today and off in the post recorded in the morning... they are no longer asking me for money as my account appears to be finally clear, however that is only because they have overpaid me!!! But my interest in claiming back all interest paid remains.

Oh never mind Wednesday is rather quiet, where is he?

You could be right,,,,,,,,,,,,,,,,,,, on his way home from Ipswich as we speak

I've had a letter this morning Wednesday........ Hoping some experts will pop up and give me some advice... You can tell the premiership has kicked off..... where is everyone this afternoon?

I received this letter this morning................ Need help with a response please,,,, Ref: *!”*!”*!” 8th August 2007 Dear Mrs Standingupformyself Thank you for your letter which we received on 16 July 2007. I regret to learn that you remain unhappy with the administration of your account. In reference to the Consumer Credit Act and how it has been adhered to; the copy of the credit agreement which you received with your credit card actually serves as your copy of that credit agreement for the purposes of the Consumer Credit Act 1974. This is sent to you in the form of a “credit card mailer” and compromises a credit card which is physically attached to the copy of your agreement. The signature has been deliberately omitted from the credit agreement, as MBNA is permitted by law to serve you a copy of the credit agreement without including the signatures and certain other specified information. This does not affect the validity of the credit agreement or the copy that we have served you. They have not provided me with any copy of anything The appropriate statements that have been mailed to your address during the lifetime of the account detailing the spending on this account also outline an association between you and MBNA. I do not dispute the fact the account exists, what I dispute is the terms and conditions attached to this account........ ie what are they? If a lender did fail to comply with S78, that lender may be prevented from taking certain steps to enforce a credit agreement (until such time as S78 was satisfied) but the underlying credit agreement itself, together with the borrower’s obligation to repay remains valid and intact. For the avoidance of any doubt we would like to confirm that MBNA has responded in full to the request you made under S78 and in any event the credit agreement remains valid and your obligation to repay remains intact. MBNA have not responded to my request, because they have not sent me anything at all........ just a letter stating that they cannot send me the true copy but the debt still exists and is enforceable, and this letter I must inform you that this is our final response. If you remain dissatisfied you may refer your complaint to the financial ombudsman service, within six months of the date of this final response. Their address is: BLAH BLAH

me too

Its the one in the library................... 2 things though, send it recorded and send a copy of your id as well..... shouldn't have to, but it saves their time wasting.... a photo copy of your driving licence, something like that. Good luck