on 18th may i recieved a letter titled ACCOUNT NUMBER: CURRENT BALANCE: CREDIT LIMIT: ARREARS: ACCOUNT TERMINATION we recently served a default notice on you. as you have not met the conditions of this default notice by repaying the amount due, we are terminating our credit agreement with you. please cut your card(s) in half and dispose of them carefully. please contact us in 08000000000 to arrange an immediate payment and subsequent repayment programme. yours sincerely L Angeli please quote account n.o xxxxxxxxx and ref n.o xxxxx on all correspondence. now they have terminated do i need to do anything? thanks

no i havent thank you very much. when i get a chance i will scan the DN in. thanks again

That sounds like good news but once they have done this is there something i have to do? should i pay the arrears? how do i prove that it is defective when the time comes? sorry for all the questions i really appreciate the help many thanks Dan.

hi, they gave me no later than 17 days after the date of this notice shown above and it is dated 27th april 2009. no specific date to pay by is written in words but "BEFORE THE DATE SHOWN" is written and underlined in caps twice and it says by no later than 17 days after the date shown on this notice. i could try and get some money to pay them but i think it might be pointless if it is just going to be a 1 off payment and ill owe some else the money instead. is this any help? thanks

i dont have a scanner at work is there anything in particular you would want to see on it or could i just type it out. its not very long at all. thanks

i have been trying to get my credit agreement from mint to see if it was enforceable with no luck unfortunately. last month i sent the 1st of the cpr letters then last week i sent the 2nd this week they have sent me a default notice and terminated the agreement? i really dont know what to do, ive never been in trouble with debt before now i am really worried? any advice welcome many thanks.

do you think it is worth me trying to set up some kind of payment to them and pursue trying to get the original copy of my agreement through the courts at the same time and see if the agreement is enforceable that way, as i really dont want to end up in court and get a ccj?

They have sent the copy of terms and conditions but not any copy of an application form. I have 2 accounts with mbna and they have said they are going to terminate the contract and reclaim the full amount this is also the case with mint. Do i have any where to go with this or should i just conceede, i feel that the only thing i can really try and do now is find out about an iva but im not sure how that works really especially as i have a mortgage. Is going to the nation debt help line a good step or is their some one else better that could help me? many thanks. Dan.

Hi, I am slighty lost in the whole process now and i think i may have gotten in over my head. In January I sent MBNA with a £1 postal order a copy of the generic letter which i got from this site requesting a true copy of my agreement in accordance with CCA. As I didnt get a satisfactory response and certainly no true copy of my agreement, I then follwed the 1st letter up with the 2nd and 3rd letters after the appropriate time periods. After I sent these letters I wasnt sure where what i was supposed to do? Then i saw a thread on not using CCA 1974 but using Civil Procedure Rules part 31.16(3)©&(D) to gain a copy of my agreements. Up to now i have sent the first and second letters using Civil Procedure Rules part 31.16(3)©&(D) to them and I am awaiting a response before I start court proceedings although im not sure I fully understand what i am supposed to do but will do my research as best as i can when the time comes. Since I sent the last 2 letters i have started recieving phones calls the last was last night at 20.40 pm this isnt on as i have 2 children under 3. I really wanted to find out what i should be saying on the phone as i feel like they are trying to get me to say something that will compromise my position but i dont know what it is. she kept saying are you refusing to pay or are you having difficulities and that my credit file is basically being destroyed. She said that she would passing the debt on and now i am worried i will have balliffs knocking at my door, my wife is also very concerned. What should my response be? I thought with the account on dispute they wouldnt be able to pass on my debt or register on my credit file against me. I said I havent made a payment as the account is in dispute and that I have requested a true copy of my agreement but have had no response and that I am going to go through the courts using Civil Procedure Rules part 31.16(3)©&(D) to gain a copy so i can see if my case has any merit and that I prefer to discuss the case in writing. Have I gone wrong somewhere? I thought i would have had more of a response from them its as though they have completed ignored me as though i havent even sent any letters although i have kept all my proof of postage and all letters sent recorded delivery. Can anyone help me as i really cant afford to repay the whole lot like the are saying im going have to. Any help would be tremendously recieved. THANKS.

Hi, its probably a good idea to start off your own thread that way you can get specific advice for your needs.

Ha ha ha, thanks for your reply it gives me hope and i dont think i'll be cracking anytime soon. I see the traffic warden quite often do you think i should get his number just incase he's not the same one who issued the ticket? Thanks so much. i'll keep on fighting it.

This the point i made to them in my letter, i was told by the traffic warden that the lines were classified as incorrect street furniture as the paint was the correct paint he said it should be plastic paint and he wouldnt give me a ticket. I feel like it is so stressful dealing with this when there are so many other things i would rather be concentrating on. if anyone has a definitive answer as to wheter or not any type of paint can be used or it must be specific type or if a sign must be placed at the site of the restriction. i would be so grateful. i will add some more pics i also have a video of the area and lamp post etc... to try and strengthen my case, i really cant afford to lose.. especially as the fine will now go up to £100 if i try to go to an independant adudicator and dont pay immediately. i think its unfair that the charge goes up if you challenge them surely they only do this to deter people from challenging their authority?

Thanks, I was actually told by the parking attendant that i could park their. I dont know if anyone is sure but should there be a sign to state what the parking restriction actually is? These lines have definitely been painted on by hand but the council say that their is a clear restriction in place and that the pcn stands. Thanks.

Hello again it has been some time but i have had my response from the local council, this is it: RE: Penalty Charge Notice: With regard to your previous correspondence in relation to the above Penalty Charge Notice, your comments are noted. Earlier observations that your Penalty Charge Notice was issued correctly, remains valid and stands. There are only a limited number of grounds on which a Penalty Charge Notice may be cancelled and unfortunately your explanation does not satisfy them. On this basis the ticket must stand and the penalty charge paid. If paid within ten days of the date of this letter then the charge will be at the discount rate of £50.00. Beyond this point the full penalty of £100.00 will become due. However, if you do not wish to accept this option a Notice to Owner will be issued to the Registered Keeper at the full penalty of £100.00. Under current legislation you will be entitled to further representation to the Council’s Appeal Services. Should your representation not be accepted you will then have the option to make a further appeal to the Parking and Traffic Appeals Services. This is an independent adjudicator whose decision is final. Yours sincerely Parking Management Should i pay or take it further after all they have been painted on by hand and i was genuinely told by the traffic warden that it would be ok to park their? Also their is no parking restriction sign on the lamp post, does that make a difference? I am worried as i can not really afford £50 let alone £100? URGENT HELP REQUIRED!

No i am not. i just wanted to assertain whether or not the agreement is enforceable. Although i am getting charged all the while as i can no longer afford the repayments. Have i shot myself in the foot by sending the letter i did? I have read the link but dont want to send another letter that will get me the wrong result, should i just ask that they disclose a true signed copy of my CCA under the civil proceedures rules part 31.16? Also i forgot to say do i need to send another £1 postal order? Thanks again