I havejust got a strange letter. Titled = Let us help you to repay the money that you have spent Your account is continuing to fall further into arrears. We need you to take ownership and call us regarding this matter so that we can discuss your situation, and help you repay the money that 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 cal us today on 01244 675894 We can look to help you by reducing your monthly payment or potentially by suppressing or refunding some of the fees that you have already incurred. We can also provide you with infomation to help you deal with your finances in times of diffculty and we have leaflets available which detail your options. In the meantime you need to maintain your account and make a payment of £258.20 no later than Wednesday 18 March 2009. This is your final chance to co-operate before we insist that you disclose your personal assets and income. My question is, do I have to disclose my financial assets. What do you reckon I should do regarding this letter? thanks to you all.

It looks like the banks can make it up as they go along? I could'nt just write to peple asking for money, and if they dare to ask for proof give them a bad credit file. Basically, if we win against the banks then they are f*)^&d and that would open the flood gates! the goverment wont allow that, so they can just call the shots. Which way do we turn now?

Cutting them up is fine but I would'nt send them back. They has obviously realised that you have 2 x accounts and that their case is weak which is why they have cancelled your other card - so they dont over expose themselves! You will just have to start all the paperwork with the other card now. Good luck muffin top.

Thanks. I sold my car, cleared the overdraft and shut the account down. Shame after 20+ years. Opened a new account with Abbey National.

Hya my 2nd thread now, cca'd Lloyds no response (nov 08) they started to take the credit card money when acc in dispute from my personal acc which I have held 20 years, also have a buss acc with them but trading as... they have now written and halfed the credit limit on my credit card (fine) had a notice (not offical default) saying missed two payments, guess they will trash my credit file next, althoug this is already in a state of ruin from barclaycard. placed a notice of correction but experian will only let the person who places the adverse entry to remove it.. how fair is that. Is it worth going fos route, not sure what they will do really.

thanks for the support angel and sunflower will let you know when get my next barrage of problems with mbna.. not too long i doubt. does anyone know answer to mf q

Thanks for support guys nice to know you with me at least I can report back so it may help when you get to the same stage. Im currently waiting for the outcome of my cpr request.... if guzzles thread is anything to go by they wont respond and will sell the debt. about to place a notice of correction on file

HELP HELP. I have received a letter from MBNA today stating Inportant Default Notification. You are in breach of the agreed terms and conditions and a decision has been made to place a restriction on your account. This means that your card and your credit card cheques cannot be used. If you have regular transactions blah blan use alternative method of payment. ITS NOT TOO LATE TO PREVENT THE TERMINATION OF YOUR AGREEMENT Call now to make payment to stop the default being registered against yoiu. ****Does this mean that they will put a dreaded default on my credit file? ***Does this mean this has already been done ** I have not had a cca from them signed its around 10 years old this card Iv not paid them since requesting my cca. is this a threat and should I continue ..... really worried.

So do I wite to the card company or the bank. The bank told me that there is a loophole that they can claim the money? Tks

Hi, I am in a similar position. I asked Access card for my CCA on the 14th Nov 2008. They STILL hav'nt been able to provide it. I sold my car yesterday ( have to cycle to work now ) and when I open my mail yesterday afternoon I noticed that they had taken £149 from my current account. I went to the bank with the funds from the sale of my car and cleared off the overdraft and asked to close the account as I also opened a parachute account with another bank. They would'nt let me close the account although there is no overdraft as they say the is a link (which must be the link to my credit card) so my concern is this. A/ have I lost my £149? can they continue to take money from the account as I cant close it? Thanks to all.

Hi, I checked the dates, posted recorded on the 14th Nov 2008!! I sent the letter to Aegis in Mumbi although on their letter it states do not send any mail to this address - but it is the only address supplied by Aegis!!!!! Well it is on its way to India, International recorded. Cost me nearly a fiver for them to call of the dogs they were not allowed to send in the first place. Wondering if I should claim my money back from them as I did state in my first letter not to pass any of my infomation on to a 3rd party DCA (which they have done) and it has cost me to reply to them and they never got my 1974 CCA out to me. Perhaps £15 for the letter, plus the postage cost and my interest on that! Thanks for all your help.

Hello, I have today receivied a letter from "AEGIS" based in Mumbai. They are chasing the debt now for MBNA. Does this mean that the debt has been sold? should I ask Aegis for a copy of the 1974 CCA? Or do I just ignore the letter and wait for the actual CCA from MBNA as requested on the 14th December 08?

Today I received a letter from Mint dated 31st Dec 2008. It states your written request for information made under s78(1) off the CCA must be accompanied by payment of a fee of £1.00, which we have received and has been applied to your account accordingly. We are obliged to provdie you with a 'true' copy of the credit agreement and a statement of financial information relating to the account, namely, the state of the account, amount currently due, with amounts and due dates of future payments that still require to be made. In terms of CCA copy document regulations, the 'true' copy requirement can be satisfied by providing a copy agreement at the date the card agreement was made and providing that plus a copy of the current terms of the card agreement. I have enclosed the s78(1) information. With regared to your request for a 'statement of account', I have enclosed the most recent available statemernt for the above account. Should you require deuplicate statements of your account prior to this date, please contact me accordingly and I will advise you of the cost for these. Our records show that there is still a balance outstanding on the above account. As you are aware, your account is currently being managed by our Collectrions Office. Therefore, you should contact them directly to obtain details of your required repayments to settle your account. I can confirm this account has not been sold. Now my query is I have asked for an original copy of my CCA they call it a 'true' copy. In their letter above they are saying that they can give me a copy agreement from when the card agreement was made and it can be a copy???? They have also sent me a copy of my application form, 2 x different Consumer agreements - neither are signed, a statement of my account, a cancelation document asking me to sign and date ( yea right!!!)

Hi Taz, I have a letter almost word perfect to yours only dated 1 week earlier. On my one they have put "We dont consider any account to be in dispute, or void and your indebtedness on the account remains due and payable. Non payment of the account will result in a default being registered against you." I noticed that your letter is dated the 27th December 2008, mine is dated the 20th December 2008. Do you think that is a threat that cannot be carried out and is a bulling tatic which they have realised they had better remove? I am going to create a thread and it will be called dtjim v mint rbs, would like to have you on board and we can compare notes.

How can they put a charge on your property when there is not agreement only an "alleged" debt. If that was the case that they could do that surely we could all start slapping charges on anyones property on a whim? Yes you had a credit card, yes you may have used it - but without an agreement who is to say that you were not given the money interest free and could pay it back if and when you choose? Did you not get any notification from the court giving you chance to defend yourself?

Yes, of course, which would be fair really. I will destroy the credit card cheques I have been sent and not use the cards at all. Thanks for your wise words.

What about using my cards in the meantime if they hav'nt put a stop on them? would it be OK?

Hello, I sent a request for my CCA agreement 2 months ago and they have not been able to provide it, does that mean that the debt is unenforcable? thanks for your help