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CAG Dolphin

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About CAG Dolphin

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  1. Good for you I have to say. I sincerely hope you get a result with your case. I have received the same response to my CCA request and a complete refusal to budge on their part. Incidentally I have also sent a SAR request which failed to produce a copy of any form of agreement. Even "IF" they are correct in their assertion that they do not need to send other than T&C's in response to the CCA request (total rubbish by the way), they surely have to do so in response to a SAR - apparently not according to Barclaycard. Good luck with it all.
  2. Hi all, I've read previously about having a third party pay creditors to settle accounts - either with F&F or partial settlements. I've searched for the last couple of hours but can't find the detail, so can someone please explain to me. What I recall reading is that when making these payments, it is better to get a third party to pay and then the CC company and/or DCA can't come chasing you for the rest. Please explain how and why this is so. In my case it is actually a third party paying anyway as I haven't the funds, but MBNA have said they'll mark the credit card file as
  3. I've taken the same view. It is one card that I can put behind me with an offer that is acceptable. I've still got a big number, but its not as big as it was last week. I'm still fighting this one on several fronts and now MBNA are out of the way I have less plates to keep spinning (talk about mixed metaphors ). I'm a doubting person, especially with the CC companies, but the wording I have from them is enough for me to accept the offer. The other factor that makes me ok with the deal is that if they don't stick to their words, then they will get so much bad PR that they'll los
  4. This is the latest response I've received from them: Attention XXXX As per our conversation yesterday I am pleased to inform you that Mbna have accepted your offer of £XXX to partially settle £XXX of your credit card debt with Mbna. This means that the remaining balance of £XXX will be completely written off and you will no longer be pursued for the debt going forward. This will register as a partial settlement on your credit file. However, will be full and final settlement with your dealings with Mbna. Again, Mbna re-iterate that you will never be pursued for the r
  5. Diddy Dicky and DX100UK both make good points form different sides of the arguement, which is the problem. I'm not greatly bothered about what it shows on the credit file, but I am bothered about whether or not they will follow up with a further claim. Whilst the only things certain in life are death and taxes, the phrase 'full and final settlement' does appear to have more certainty to it. The settlement offer is one I can live with, but is still a substantial sum. If I am to agree to it, I need to know that this is the end of the matter.
  6. Thanks, I'll update you, I just want to be as sure as possilbe. The other thought I have had is, how good will the PR be if MBNA are pulling a stunt with this one and offer X number of customers this deal and then chase them afterwards?
  7. Thanks for this. Are you able to scan in (or write out) the exact wording they used-- without giving any of your personal details? I've been made an offer and would accept it if I could be sure that would be the end of it.
  8. Like everyone else, I want to be sure that if a settlement payment is made, but what are the views on the reply received by Coactum: "the remainder of the balance will not be pursued by mbna nor any other company" Is this sufficient?
  9. Thanks Diddydicky, I won't accept without being fully happy with the wording. I've already requested the CCA (and SAR) which they have sent. They have a signed application form - but it is missing some of the prescribed terms. I've been looking on the MBNA forum (which I'd not seen before posting here). It looks like many people have had similar calls/letters, but I've not seen anyone post on final results.
  10. I've had something similar and just started my own thread. This is what they've written: As per our conversation today, I am pleased to confirm that Mbna have accepted £XXX to partially settle your credit card account. The current balances on the account is £XXX. Once the £XX is full paid sixty days after the first payment from June 2009, the remaining balances will be written off and you will no longer be pursued for the debt. This will register as a partial settlement on your credit file for the next six years. ............. Kind Regards, XXX XXXX MBNA IF genuine t
  11. Thanks again, I'll make sure I'm completely happy with the wording, otherwise I'll give it a miss. I'll also take a look at the MBNA forum as suggested.
  12. Thanks, I don't have an issue with the charges. I'm really looking for clarification over the language to make sure there are no hidden traps and that MBNA/DCA/uncle Tom Cobley and all wont come after me for further payment at some point in the future. Ideally I'd also like it recorded as F&F and clearing my credit file, but don't know if this is realistic. These are the two main issues I'm querying. Other than that, the offer is acceptable. Thanks again
  13. Hi, I've had a settlement offer from MBNA that could be acceptable - subject to terms. This is what they have written. I'd be grateful if anyone could tell me if this is sufficient. As per our conversation today, I am pleased to confirm that Mbna have accepted £XXX to partially settle your credit card account. The current balances on the account is £XXX. Once the £XX is full paid sixty days after the first payment from June 2009, the remaining balances will be written off and you will no longer be pursued for the debt. This will register as a partial settlement on your cr
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