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daviddd

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About daviddd

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  1. Couldn't agree with you more. Just tried to cancel this subscription online and read the same bullsh*t conditions. You can stop all sorts of payments online to amazon etc etc, but this is just taking the p*ss AND it has to be done a month in advance so my next payment opn November 8 will be taken Also, I live abroad so have to go through the rigmarole of writing. I sent an email to my bank Cahoot to stop payments on the card but they probably can't. Ridiculous.
  2. Just got an email reply today (no personal signature) offering to accept the payment mentioned in May (which is in line with the % I'm offering other creditors). They've also said it can start in November....October if pay-free....wahayyy!! I will start the MBNA payment of £8.86 per month. I will not start the Marbles payment (£18) as they have not yet provided the CCA and their earlier letter this month claimed that account was 'on hold'. They've also said in the email that a financial review will be due in 12 months' time. That should mean I won't have them breathing down my n
  3. attempt at uploading documentation sent by LINK seems to have worked...? MBNA One.doc
  4. here is a link http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html
  5. I am not an expert, but if they haven't sent a CCA there is no obligation on you to follow them up. Link have sent me a CCA for MBNA but not one for Marbles. The Marbles one is on hold until they obtain a CCA. As for harassment, there is a list of template letters on here...unfortunately I haven't got the exact link......i will search and see if I can trace the list.
  6. Thanks for your reply ODC. I will attempt to scan and upload it here, though the copy I have is of poorish quality already. Actually, your reply prompted me to examine it more closely. It is basically a copy of the credit card application form- 12 sections, 1.name, 2. card request, 3. personal details, 4. home status (tenant/mortagee), 5. employment, 6 current income/pensions, 7. other borrowings, 8. security name [mother's maiden name], 9. additional cardholder, 10.bank details, 11.payment protection cover, 12. principal cardholder's request and declaration, then my signature.
  7. Link replied yesterday with a (true) copy of my MBNA CCA from 1999 (and a holding letter regarding my HFC/Marbles account which is apparently taking longer). The very next day, I got another letter from LINK (a DEFAULT NOTICE under section 87(1) Consumer Credit Act 1974 stating that they require £5390 by Oct 9. They already received by recorded delivery in May an income/expenditure form,proof of income and copies were scanned and emailed to the international department in July when I was trying (and managed) to get EOS ( a debt collection agency) off my back in Slovakia. I think this
  8. Link replied yesterday with a (true) copy of my MBNA CCA from 1999 (and a holding letter regarding my HFC/Marbles account which is apparently taking longer). The very next day, I got another letter from LINK (a DEFAULT NOTICE under section 87(1) Consumer Credit Act 1974 stating that they require £5390 by Oct 9. They already received by recorded delivery in May an income/expenditure form,proof of income and copies were scanned and emailed to the international department in July when I was trying (and managed) to get EOS ( a debt collection agency) off my back in Slovakia. I think thi
  9. Sundancer 23 Metropolitan collection Services Ltd 56 St James Road Edgbaston Birmingham B15 1JL
  10. castlebest yes, she did. She posted both the post office's recorded delivery receipts...
  11. I live in Slovakia and have asked a friend in the UK to send two recorded delivery letters to their address in Edgbaston Rd, Birmingham as I had to answer two letters from them where there were inaccuracies. I wrote in May and August, 2nd class recorded delivery. Neither letters are confirmed as having been received on the royal mail website. It's not unknown for me to send recorded delivery letters for them to be received but not to come up on the royal mail website. However, it's a little strange that BOTH recorded delivery letters have not registered.
  12. I just got the same letter from LINK regarding an MBNa account and a Marbles one. On both my letters, I did NOT get the second paragraph about @no administration charge etc.' I also submitted a formal complaint about them referring the debts to EOS in Slovakia where I live and EOS claiming 4000EUR more than quoted on the Link letters. I also said I was sending a copy to their mamaging director Mr Paul D Burdell and quoted his home address which someone posted from their search on the web from a site that lists directors' addresses! They'll have a problem with MBNA. My agre
  13. I think it finding the CCA may prove difficult (regarding the MBNA details, anyway). Whilst Link claim to have bought the account from MBNA, the account was originally a Robert Fleming/Save & Prosper card which I took out ca. 1992/3; their credit cards were bought by MBNA in the mid-90s, so finding th paperwork will be interesting. (Even more interesting would be MBNA producing an MBNA agreement with my signature [following the anecdotal evidence on these forums]). I'm not out of the woods, but dealing with Link thru the UK system will be a lot more transparent.
  14. GOOD NEWS. I got an email from the Link Business Support unit saying they had instructed EOS to close their accounts in Slovakia (with the proviso that they can be reopened). I think when they found out I was renting an apartment (I scanned the rental agreement) they probably realized they couldn't get a juicy charging order, or the equivalent. Coincidentally, this morning I sent a CCA and complaint to Link by DHL...if they had replied sooner I could've saved £35!. I emailed back saying that I wasn't paying Link anything, but that as a sign of good faith I would continue p
  15. GOOD NEWS. I got an email from the Link Business Support unit saying they had instructed EOS to close their accounts in Slovakia (with the proviso that they can be reopened). I think when they found out I was renting an apartment (I scanned the rental agreement) they probably realized they couldn't get a juicy charging order, or the equivalent. Coincidentally, this morning I sent a CCA and complaint to Link by DHL...if they had replied sooner I could've saved £35!. I emailed back saying that I wasn't paying Link anything, but that as a sign of good faith I would continue paying t
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