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Everything posted by Massamum

  1. Many thanks for that. Am in process of reporting them right now.
  2. Hi all, here is the response I got to my CCA request on a loan agreement. Grateful if someone could have a look and see if its enforceable. Many thanks. page 1 page 2 page 3 page 4 page 5 page 6
  3. thanks for that Vint. No I didn't keep the envelope, sadly it was back in the days before I knew how important it was to keep them. They have ignored my SAR completely (sent back in May).
  4. here is the default notice I received from Lloyds a few months back. It was sent on 24th Dec (merry xmas) but no idea when I received it as that was back in the days before CAG. With all the bank holidays I'm not sure they've allowed me enough time to rectify the breach anyway. Perhaps someone could have a look for me please? Thanks. page 1 Lloyds default notice page 2 Lloyds default notice
  5. thanks very much for that Vint, letter is brill, will get that off asap. I received a default notice, will scan and post up as soon as I can.
  6. also Lloyds have defaulted on their SAR which was sent to them early May - any advice please?
  7. Have received a "final response" from Lloyds to my letter. They don't agree with my complaint. They say they have no obligation to supply me with the docs under s78 but because they are so wonderful they did so . They also reckon because I've been using the account for a long time that it means I've acknowledged the debt. Oh yes, and they say the agreement contains all of the prescribed terms (even though I can't read any of it). Any ideas on what I should be doing now folks? Thanks in advance.
  8. Welcome to CAG, you’ll find yourself in good company here and will get lots of help. Everyone on here is, or has been, in debt. Are you being hassled by debt collectors?
  9. Thanks Joemay and also Martin. Hi Shadow, thanks very much for your response. Sadly I think you are right about it being enforceable Link sent me a copy of the CCA but attached no terms and conditions whatsoever. MBNA (original creditor) sent me a copy of CCA and new terms and conditions in response to an SAR. They omitted NOD and Termination Notice though. I wrote back to both Link and MBNA requesting the omitted docs and giving them 21 days to reply. I heard from Link who are insistent they have fulfilled their obligations under s78 but have not heard
  10. thanks. Great news about Link - good luck with NW and Halifax. bump if anyone can help with above please
  11. Hi Joemay, it was serious enough to put me out of action for quite a while and then I needed an operation, still getting over it. I do hope someone can help me soon, I really need to move forward on this, was just about to fill out the complaint to Information Commissioners when I came across what I mentioned above. How are you, I haven't had a chance to look at your thread - are they still leaving you alone? I do hope so.
  12. Hello everyone, I’m back again after a spell of ill health. Unfortunately I haven’t been able to move anything forward on this and I’m beginning to worry. I have today been catching up with all of my paperwork again and realise that on re-reading things they really don’t stack up at all. In the MBNA CCA the terms and conditions within the agreement are completely different to the smaller print terms and conditions that MBNA also attached (these terms and conditions contain the cancellation rights). At the end of the online application form it says “sections 4-16 can be viewed by cl
  13. Hi Scott, thanks for the reply. They’ve done this to me in the past as well, but would only refund one of the charges and gave me a good telling off to boot! I received a letter about the six days to get a/c back in order but can’t find it, I wanted to refer to it before calling them - didn't realise it started on the 3rd July though. I’ll give them a call and see if they’ll do it for me. Seems very unfair that they can take a whole week’s money in charges for only £3!!! I’ll update once I’ve called them. Thanks again. Massamum
  14. hi all I wonder if anyone can offer some advice on this one please. My benefits failed to be paid in on time and as a result three token payments of £1 failed to go through. My bank (co-op) has charged me £19.50 apiece for this which is just ridiculous as the three of them add up to virtually my whole week's benefit payment meaning I will have nothing to live off when my benefits do go into the bank. Can anyone tell me if this is allowed please and if not how do I go about challenging it. Thanks a lot.
  15. 2Grumpy, what you say in post #6 makes such sense now, I didn't think of that, its all scary stuff! Sadly its too late now as I've already sent the letter off. Wish I'd had this info before. No Vint, I didn't keep a copy of the letter with the signature on, but I wish I had. I did cross it through with big crosses - hopefully they won't be able to do anything too sinister with that.
  16. thanks for that Joemay, I will pass that info on to my sis. Its incredible how rude the guy on the phone was to her, talk about toys out the pram! So glad you haven't heard anything on your thread - long may it last I say! Nice feeling to be keeping them at bay.
  17. Thanks for that AC. I have never received papers relating to PPI, nor the cancellation rights docs. I will write to MBNA requesting these. Would this also be a good time to send the mis-sold PPI letter too or should I wait til I receive the other docs requested? Am getting a bit confused now!!!
  18. At long last the docs have uploaded to photobucket. page 1 CCA page 2 CCA page 3 CCA page 4 CCA page 5 CCA page 1 t&cs page 2 t&cs page 3 t&cs page 4 t&cs Hope it works ok.
  19. Thanks AC, I think I'll start with MBNA and if no luck I'll go after Link? Have just scanned the agreement onto my laptop, and as I've been checking it for personal details etc I came across something (well it jumped out at me to be honest). When I first received the doc I only checked the first five pages against the one on Steven4064's thread and as they were exactly the same I didn't question it. The terms and conditions looked pretty ok too. However, I've just really looked at the terms and conditions for the first time and there it was - under the section for "I wish to pu
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