So do i need to SAR them to find out charges

Thanks for that . Anybody got any ideas what i should do about full and final settlement as mentioned in previos post Forstal

I have just noticed that today MBNA have taken payment from my debit card even thogh there were only to take 6 payments this is the 7th. Any ideas Forstal

Its now been a month and nothing from MBNA What i would like to do is offer a full and final settlement on this debt. It is a substantial balance of 5 figures. How do i do this,how much do i offer,should i SAR first. I feel it is obvious that they have no signed CCA. All advise would be much appreciated Regards Forstal

Thanks surprise Is there a template i can use or adapt and has anybody got address for OFT and FSA forstal

Help please because i have read elsewhere on this site that if they terminate then Consumer credit act does not apply. Somebody pls help forstal

Any advise would be much appreciated Thanks forstal

Notice of default sums. The consumer credit Act 1974 requires us to give you this notice because a defaultfee has been applied to your account. A late payment fee of £12 was charged to your accont on your last payment due day as you did not make the payment on time. The notice does not take account of default sums,which we already told you about in another default sum notice,whether or not those sums remain unpaid. Mike Green Head of collections HELP WHAT DO I DO NEXT

Having heard nothing i received this today dated 6th March (8 days to arrive) IMPORTANT YOU SHOULD READ THIS CAREFULLY Termination of your agreement As you have failed to rectify the breach in the default notice we recently sent you,we now require immediate payment of the full balance on the account.The balance is currently £...... We also give you notice that we have terminated your agreement.Please cut in half and securely dispose of any unexpired cards and cheques bearing the above No.We will no longer honour any regular payments that you have set up on the account.These might include insurance premiums or any subscriptions or donations to other organisations.You must contact any payees to arrange an alternative mthod of payment. We have included the following notice to ensure that you are aware of all sums charged to your account.if the default sum refered to belowwas included in your last statement,please disregard this notice Cont on next post .......

I have not received a letter or phonecall from Citi for over a week. Do you think that i should SAR them or wait and see? Please advise Thanks forstal

Hi All Read this thread last evening and this morning-more compelling than an Archer novel! Good luck to you and i just hope that my battles are not as long and complicated forstal

Best wishes UK Im new to this but i think i have a battle to come with the CRA's Regards Forstal

Im not able to photo or scan on here today but having read other threads it would appear that they are not REAL default notices as they give me 21 days to pay the arrears and say they MAY take further action. Am i right or am i misleading myself forstal

Thanks 42 man i will do that today but have you any idea what they will do next?

In August last year my earnings decreased significantly and i was unable to keep up repayments on credit cards.I sought immediate advise and sent citi card a budget planner and eventually we came to an agreement to pay a reduced figure and stop all interest and charges.This i have been doing since Sept 08. In January out of the blue i received a default notice asking for £3555.87 within 14 days! I rang citicards and they said that the amount i was paying was not enough and they required 7.5 times the original agreed figure.Stupidly i borrowed that amount from my father and paid them. This obviosly can not continue so with the advise and knowledge from this forum i cca'd them on 7/02/09,a few days later i received another default notice asking for £2142.00 (you will notice the amount owing has decreased significantly). I received about 4-5 calls per day from them which i dont answer and then on friday they left a message at my office reception saying that i must contact by midday.I did not respond but i recieved no calls over the weekend or today so far. Today i have put the acc in dispute using the template letter but my question is what do you think they are up to? Any help and advise would be much appreciated. The card is approx 8 yrs old Thanks forstal

Thanks Are there templates for that or can you guide me to the correct thread Forstal

Thanks for that ccmug. Should i carry on paying them the agreed monthly amount or should i stop cos im going to get grief either way so i might as well save my money

subbing I have just started on my way with MBNA. Thread been very helpfull thanks forstal

bump any ideas

Hi been reading this forum for a while and have acted against MBNA. C/c account about 10-11 years old and have been up to date until 7 months ago. I requested CCA 4 times and eventually received latest t&c's on 13/01/09. I have and continue to do so, pay an amount monthly and interest has been frozen. Yesterday i sent "in Dispute" letter from this forum. I now have doubts as to whether i should have done this as they may now start getting stroppy and start to charge interest again. Have i done the right thing? Regards Forstal