Hi. Can you good people tell me if thisagreement just received is enforceable please

Hi. Applied to mint and sent £10 for subject accesss request and have received a reply today. They say that they will not release any details without my signature. Whats the next step?

I wrote to Mercers (Barclaycard) stating that the account was in dispute and that I would not agree with a doorstep visit that they threatened. However, I had a visit from Power2contact yesterday on behalf of Barclaycard. I sent him packing. I have now sent a complaint to the OFT. But when I checked the OFT guidance notes, I could find no reference to the fact that appointments have to be made and that if you have informed the DCA that you will not agree an appointment and they still call, they are breaking the recommendations. So from how I read the OFT notes, I can not see that they have to agree an appointment only situation. Can anybody enlighten me on this Thanks

Ok. Thanks

LOL. I meant to say unenforceable. Thanks for your input. If I understand it correctly then the fact that my limit was £18,000 and the rates shown are upto £10,000 only, means in my case they have not given a rate, making it unenforceable. Correct? You also mention other things wrong. Can you enlighten me? Given that they have offered me a 65% discount, would you accept this or fight it as unenforceable?

Thanks for reply. So, are you saying its enforceable?

Forgot to attach scan0001.pdf

Hi. Have re uploaded the terms which should be clearer. Can someone check these for me. I understand that the interst rate is not showing as my credit limit was £18,000 but how about the rest of the terms. Any other dodgy ones. Will the fact the the interest does not show for my given credit limit stand up on its own in court as being unenforceable?

Hi. Thanks for that. Will try to find some old statements to check on credit limit and also check the terms etc

Hi. As far as I know its always been £18,000. However, only have copies going back to 2007. If not £18,000 then I am sure it would have been £15,000

Can you have a look at the agreement to see if unenforceable. I owe £18,000 and have received a letter from MBNA offering full and final settlement at £6500 ( they proposed £7500 2 weeks ago). This leads me to believe that it may be unenforceable. If enforceable then why offer this settlement figure. Need to make a decision on what to do. Thanks

Cheers

Hi. Since moving it, I cant find it. Any chance of telling me how to find it?

Hi. Thanks for reply. Any more opinions??

Hi. Just received my agreement from MBNA albeit some 50 days (38 days late) Can you good folks tell me if it is unenforceable please. http://i574.photobucket.com/albums/ss182/q4k/MBNA/front0001.jpg http://i574.photobucket.com/albums/ss182/q4k/MBNA/back.jpg

Hi. Thanks for that. Thats great news. Means we can all go forward.

Hi. Arbo. You have a good point. I would also like to hear from anybody that has been to court. As at this stage we are all believing that the agreement is unenforceable but without proof of court hearings we are all in the dark and may well be in for a shock when they finally reach court.

Hi. Thought so. Cheers. What do I do now? Write to them?

Hi. Can you confirm if this enforceable please. http://i574.photobucket.com/albums/ss182/q4k/Monument/letter.jpg http://i574.photobucket.com/albums/ss182/q4k/Monument/agreement.jpg

Hi . I have a fixed rated mortgage which ends in April next year. If I redeem before then, I have to pay around £15,000 penalty. Does this come under unfair penalties or is it something you have to accept?

Hi. Sent Scotts letter and received the following response: http://i574.photobucket.com/albums/ss182/q4k/CAPITAL%20ONE/backpage.jpg http://i574.photobucket.com/albums/ss182/q4k/CAPITAL%20ONE/page1.jpg What next?

Hi. Thanks for reply. Okay, so whats next? Do I have to apply for a data subject access?

Hi. I have several cards where the companies have not given any response to my CCA request. It is now three weeks Do I just wait for the 40 days or do I need to write another letter? Thanks

Thats the bank reps name not mine