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wjg

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About wjg

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  1. wjg

    Your Assistance Please

    Thanks vint. I genuinely do appreciate you help and advice. I also appreciate, ultimately it is a decision I have to make. I wish you all the luck in the world and truly hope you are successful against MBNA. Thanks once again.
  2. wjg

    Your Assistance Please

    Thanks vint, I do appreciate your help and assistance. I am contesting the enforcability of my agreement. I was hoping that if I was to make an offer to bring the matter to a conclusion, MBNA would be more likely to accept an offer rather than to go down the route of selling the debt on to a DCA. Or the time taken and costs involved to MBNA. I am trying to limit negative CRA reports. As i am fundamentally challenging the enforcability of my agreement, should I, in your opinion make no offer and stick to my guns? (I am prepared to come to an agreement with MBNA of about £5000. My debt is f
  3. wjg

    Your Assistance Please

    Thanks vint. Could you explain why I shouldn't send an I&E or an acknowledgement of the debt? I am happy to make an offer to bring the matter to a conclusion ASAP by making an offer. I don't see why acknowledging the debt could be an issue as they already have my signature on the application/agreement form, allbeit an incorreclty excecuted one in my opinion. Thanks.
  4. wjg

    Your Assistance Please

    I just want to be aware of what the 'worst case scenario' might be if it did go to court and I lost. I have recieved a letter from Optima Legal asking if I can forward an Income and Exdenditure form together with an offer to MBNA.
  5. wjg

    Your Assistance Please

    I have another question. If it does go to court and the Judge finds in favour of MNBA, am I then obliged to pay just the repayment arrears I have been withholding or, would the full outstanding debt be required to be paid in full?
  6. wjg

    Your Assistance Please

    Vint1954, Thanks. I did send the letter in post 2, i will re send it with a covering letter. Thanks once again.
  7. wjg

    Your Assistance Please

    Does anyone have a template letter to respond to MBNA now they have issued me with a 'Default Notification' bearing in mind they have not produced a valid CCA? Thank you.
  8. wjg

    Your Assistance Please

    Vint1954, It looks exactly like the copy in the top photo. Thanks.
  9. wjg

    Your Assistance Please

    Thanks to both vint 1954 and blueotter. I do not have a scanner to be able to post the application form up on here. There are definately no prescribed terms on the application form. The application form is purley this, an application form. It is A5 size with a serated adge which would have had to of been cut and then folded in half and stuck together then posted.
  10. Please could I have your help on the following please; A Bit of history. on 30/06/09 I sent for a copy of my CCA to MBNA. On 22/07/09 I sent a default notice to MBNA. I heard nothing until I received a letter chasing the minimum payments I had been holding back. By return, I wrote explaining that as MBNA had failed to supply me with my CCA I was not liable for the debt. On 09/09/09 I recieved a copy of my application form together with my address, the date (24/07/97), my bank details and my signature. it is clearly an application form although is does say; 'This is a cr
  11. Sorry, I should have added, that I became a partner after being an empoyee for 20 odd years. that is why I suspect Barclays MAY have made administration errors by not adding my name on to this particular acccount.
  12. I am also surprised too. I am aware that I am liable for the full debt, and it was a partnership. Although on any correspondance, including statements from Barclays it was only ever addressed to my partner and never to me. In view of this I am thinking that Barclays may have messed up on the administration of the account and this is perhaps why they have given up so easily on chasing the debt?
  13. Slick132, Yes, it is an overdraft.
  14. Since last September I have been pursued by various DCA's with regards to a debt against Barclays Bank. The debt relates to an outstanding overdraft in the the region of £7000. This was left to me when my business partner went bankrupt and our business folded. I wrote to Debt Managers asking for a copy of the CCA, (I know this isn't relevant to an overdraft but thought I would sent it anyway). The letter was sent on 25/04/09. On 06/05/09 I recieved a letter back saying that they had been unable to obtain a copy from their client (Barclays) and their file had been closed and returned b
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