There is no time limit on the credit note. I have spoken to consumer credit but they say it is up to the shop to honour it. Don't understand! So where is the consumer right?

Hi I have two credit notes that go back 8 and 10 years and they are about £100 and £80 each. I found them a few days ago in my archives. There is no time limit on their validity but when I took them to the store they said they would not honour them as they were more than 6 years old. I told them there was no time limit on the Notes and they could not impose an arbitrary time period. They said it is like a debt it would be written off after 6 years. Please advise if this is legal.

Hi I have an account with MBNA who have registered Default in my credit file and sent me the DN letter one week later. They then sold the debt ten days after they issued the DN letter. Does registering DN with credit reference agencies mean they have terminated the account? Does this mean they have terminated the account unlawfully? My aim is to send the account back to MBNA. Can you please refer me to a case law regarding this? Many thanks

Hi I have an account with MBNA who have registered Default in my credit file and sent me the DN letter one week later. They then sold the debt ten days after they issued the DN letter. Does registering DN with credit reference agencies mean they have terminated the account? Does this mean they have terminated the account unlawfully? My aim is to send the account back to MBNA. Van you please refer me to a case law regarding this? Many thanks

I think you need to use magnify tool to get the real size document.

http://i796.photobucket.com/albums/y.../DefNotice.jpg

They sold it to Link. Here is the DN. http://i796.photobucket.com/albums/yy246/John2137/DefNotice.jpg

Thanks Scott I read through the doc and could not find any references to my problem. Do you know any other one? I need something presentable in Court. Tx

Hi Everyone I would appreciate if you can refer me to a law or document that prohibits lenders from selling a debt on while it is in dispute. I had a dispute with MBNA but they sold the debt to DCA during the complaint. Many thanks

Thank you guys. That's very helpful.

MBNA and they have said they can accept the £12 charge. Can I say I do not agree and it is too much?

Hi Does anyone know if the recenet ruling on bank charges apply to unfair credit card charges as well? I have been told it doesn't and I can put in a claim. Is this correct? Thanks

Hi Craigers This is excellent. The extension from 7 days to 14 solves half of my problem. However someone from National Debtline said selling a debt on by a creditor is NOT a termination of agreement. The same terms and liabilities etc. is passed on to someone else as if nothing has changed. What do I do about this? Is there a case law that says selling a debt is termination of contract and should not be carried out within the DN period? Thanks

Thanks Craigers. Can you please refer me to the document as I will have to present it. What about selling/assigning the debt? I have been told that during the minimum period lenders cannot do things like taking court action but they can still sell/assign the debt. Is there a document or case law that prevents lenders from doing the latter? I very much appreciate it.

Hi Dear Caggers Please tell me if a debt to a credit card company can be sold only 10 days after it is issued? I spoke to National Debtline and they said a debt can be sold any time. Do you know of any case laws re. this? Apparently CCA 1974 sec 87 and 88 allows seven days for remedy. My DN from MBNA had allowed 28 days but they sold it just ten days after they issued it. I would appreciate your help.