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mrebuzz

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About mrebuzz

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  1. hello and thank you Andreamour, so they have not sent you what you asked for then ? MBNA added £800 in charges and interest and all this actually put me over my limit . So, i'm gonna try the request , i have done this with NDR/Empire and am now in dispute awaiting the final 40days making it unenforcable. so, good look and i look forward to your updates about your request with MBNA. :grin: buzz
  2. i need to request a copy of my CCA from MBNA but i'm not sure what leeter to use - does letter N cover all requests and does this include transfer to DCA and include statement of account: Firstly, you must supply me with a true copy of the agreement you refer to in this matter. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974 - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee. i found this letter and sent it to NDR but the one in templates
  3. last but not least, if i just did nothing i presume they would constantly update my credit file until it gets to default then in six years it will drop off (unenforcable)? or they will try to take me to court eventually for the remaining amount and that is when i use my defence? if so, am i wasting my time sending the second letter? which i thought would be resonably trying to resolve (if goes to court), and i can try and protect my credit file from constantly showing shopdirect? mrebuzz (this is the last question i promise)
  4. should i modify the second letter you send after 12 working days, deleting the bit about signed agreement but keep in the bit about 'statement of account not being suplied'. to prevent them from continuing to proccess my data?
  5. the letter i sent was very specific about the true copy of agreement showing both signatures? so why is below fulfilling there obligation: 'Unfortunatly we are unable to locate a copy of an executed agreement, but for your information we enclose a copy of thr current agreement which applied to this type of account. This version includes all contractual variations which have taken place.' sorry to bug
  6. no default but 6 x 3 orange (more than 3 months late) then 6 x U green payments uptodate ? i also found a debt i had paid off showing default. my god they have put a right load of crap on it - i have had a agreement with all of them for 4 1/2 years and never missed but they make it sound like i'm not even sticking to reduced payments. rang one and it should be removed next 14 days
  7. the letter would say no agreement so no payment with attacjed letter saying they can't find the agreement - basically sending there letter back to them he he
  8. i need to request my file, its hard to say! i'll let you know. I do have other debts that i never miss paying, well all of them at a reduced amount so my file will be bad no dobt anyway and will be for years to come - i think this is the only time we should use this route as its problable not going to make a difference eitherway. i will send a letter as per your advise. when should i do this? i was thinking if credit file affected and they are still demanding money?
  9. thankyou, and i agree. they have replied but not with the information i need, and they are obliged to suply under the 78(01). to clarify, they have admitted to not having a agreement or even a copy of the executed agreement (my obligation), and that they will not suply it withing the prescribed time limit? and that the list of payments should be supplied even if they cannot find our agreement together? any thoughts
  10. hello all, ive just had a reply to my CCA Request from empire stores/NDR/shop-Direct. it reads: We refer toa recent request for a copy of your agreement. Unfortunatly we are unable to locate a copy of an executed agreement, but for your information we enclose a copy of thr current agreement which applied to this type of account. This version includes all contractual variations which have taken place. According to our records, the account was opened on 18/04/2000. you agreed to make payments every 28 days. the outstanding ballance is xx.xx Our records show that xx.xx in
  11. hello all, ive just had a reply to my CCA Request from empire stores/NDR/shop-Direct. it reads: We refer toa recent request for a copy of your agreement. Unfortunatly we are unable to locate a copy of an executed agreement, but for your information we enclose a copy of thr current agreement which applied to this type of account. This version includes all contractual variations which have taken place. According to our records, the account was opened on 18/04/2000. you agreed to make payments every 28 days. the outstanding ballance is xx.xx Our records show that xx.xx in
  12. thank you for the welcome and advise, i am thinking of defaulting and making an offer as the account is costing me a fortune. i've been 'chosen' by HSBC to stay with them as my partner who doesn't live with me had a student bank account withdrawn by them? in other words, they make money from me as my partner had just finished uni and had a interst free overdraft. i'm absalutly disgusted at there behaviour especially as they didn't take any money from the bank bailout. to me thats going to make them a monopoly, barclays could take some but if they do HSBC will be the only major bank.
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