Hi update today recived another letter from our freinds at MBNA we have today withdrawn your credit line and have informed the credit ref agency of the arrears , if you continue with nonpayment then we will continue to report to credit ref ag leading to a default. I have been with CAB since early Jan 08 and in a letter received yesterday they acknowledged this and asked for more money. all the letters are from differant Head of Customer Assistance. will keep u all posted many thanks for your help cheers M1

hi very many thanks for all your valued advice , have just read dpicks thread taken me a long time ! will be updating as things happen or not ! will also be starting new threads re cap 1 Lloyds tsb barclaycard keep watching will need some hand holding im sure again many thanks cheers M1

HI thanks, is this normal for them to reply with this kind of letter ? i sent 7 cca,s off and six of them have come back with a letter of some discription Lloyds have sent a DEFAULT Mercers have sent a nasty we are sending a local Debt colletor sent cca to Barclays did i do wrong there ? will be starting new threads for these others . good old Cap 1 havent sent anything. thanks again M1

hi all have recived a reply from MBNA 24 hours after sending off by speical delivery three CCA requsts !!!!!!!!! Letter reads ; Your account is continuing to fall further into arrears. we need you to take ownership and call us to discuss this matter, and help you to repay the money you have spent. for your peace of mind and to fulfil your duty of repaying the money that you have already spent, we trust you will call us today on xxxxxxxxx we can look to help you by reducing your monthly payment or potentially by suppressing or REFUNDING SOME of the fees that YOU have incurred. In the meantime you need to maintain your acc and make a payment of ££££££££ no later than 17 th april this is your final chance to co-operate before we insist that you disclose your personal assets and income.; has anyone else had this letter and what do i do now HELP PLEASE

Hi all another update have had six letters today from seven of the CCA requsts sent . MBNA have said they have a great offer for me ! before the debt is passed to our DEO and then sold on to external agents, we understand you are having financial difficultes and are able to offer you reduced payments down to £xxx . IF YOU CALL THIS NUMBER so we can look at stopping your fees and interest and putting you on a reduced payment plan. if you are unable to do the above then a Default has anyone else had this letter and what do i do next please cheers m1

hi update 08 04 08 have today sent of seven CCA,s three for MBNA 1 loan 2 credit cards sent them special delivery with the 7 P/O cost me over £40.00 have keep all the recipts many thanks to all who are helping me. cheers M1

thanks for that its as i thought will sort it out going to bed now cheers M1

ok many thanks , i have a loan with them and maybe four credit cards , will the SAR cover all of them , or do i need one for each cheers M1

cheers can i send both together job lot or will that confuse them M1

hi and thanks for the info thought it was but needed to be 100% sure cheers M1

HI am sending cca letter N from templates to Customer Assistance Dept Business Lending MBNA Europe Bank Ltd Chester Business Park Wrexham Road CH4 9FB (1) Is this the right address (2) Is a CCA correct or is it a SAR i need . any advice please . cheers Px

thanks diskmandave. if i use a SAR FOR A BUSINESS ACCOUNT from the templates will it be ok ? i realise that the other accounts cards ect are ok but dont want to get this wrong, have had three business accounts three differant business;s, should i start with the latest account first ?im confused as to cca & sar soz to be so dumb. cheers Px

hi many thanks have looked at what u have suggested but just need to be sure before sending anything , your prompt reply has given me new hope of another day!!!!!!! cheers Px

hi all , am having a bit of trouble finding my way around have read and reread the site ,if im in the wrong place please someone advise dont want to get off on the wrong foot with you all. NEED SERIOUS HELP asap. Lloyds LLOYDS BUSINESS MBNA BARCLAYS CAP ONE NAT WEST TESCO the list is endless cheers Px

thanks honey im really in need of some advice on loans cards and bank charges Px

hello all still trying to find my way around the site . looking for lots of help ,sure hope there is some left out there .