Hi again

I need to send that to capital one as well

what is their address?

same as where i sent CCA request?

Hi Coatcum

Thanks For valuable advice and am so grateful . Well to be honest My indispensible income is (-) negative figure and if they dont have any legal position to pursue they can K**** my A*** hahah

I am only scared if someone falls back on me so badly that i could not cope,

If i have sources or could pay them I would but they keep putting negative marks in my credit file, charging me hefty interest late fees still to mount up the debit.

I honestly belive that the amount i actually have borrowed from them I already have paid them ages ago (if you minus their stupid charges and 34.5% interest) .

So Morally they are wrong as well because i wrote them a letter requesting the honest figure of outstanding debit and they never replied to me.

any advise will be much appreciated

and once again thank you for eye opening guidance.

Total Rubbish. They are allowed 12 working days + 2 days for postage. They do try it on. Did you send it recorded delivery? Thier time is up tomorrow

I send them and obtained the proof of posting and the guy admitted that they have recived it on the 20.07.09.

Nest correspondance will be sent by recorded delivery.

Thank you so much Vint 1954 I am so greatful.

Coatcum thanks a lot for your help too.

And does this

1.Number of repayments;

2.Amount of repayments;

3.Frequency and timing of repayments;

4.Dates of repayments;

5.The manner in which any of the above may be determined; or in any manner.

Does above 5 points cover Subject access request?

Do I need to send them For Sar as separatetely

Thank you so much

HI Vint1954

I am about to send them But MBNA called yesterday and they say they are allowed 21 days to respond first they say they have not recived and then they said they received the request on 20th July (I sent on 10th) and MBNA chap said from the date we receive then 21 days and then goes our deadlin expires on 31st July/ (20th July to 31 July =21 days ....MBNA counting ).

Cap 1 said they cannot find the account number of mine in their system and i was asked to cntact ASAP.

(They sending me statments for last 7 years cannot they find my account number using my address and postcode? )

Well Both ringing me and asking me to enter into some agreement (65quid a month with no interest charges and other charges)

Both are pushing me to enter into agreement.

What you please advise i got the feeling that the want to trap me in that agreement . at the moment I am resisting. sometime they are assertive but try to pretend friendly and helpful.

I am terribly confused , Are they both bluffing as i cannot remember anything been signed by me.

They threatening DCAs CCJS etc.

Please advise?

shall i request SAR as well?

Waiting

Hi AA and Coactum

Thank you for your replies and continued help and advice . I have my own thread already and I would like to invite you there . The reason i came here because i was not getting visitors on daily basis to respond to me.:-?

I have not received a reply to my last post since a week.

please visit http://www.consumeractiongroup.co.uk/forum/general-debt-issues/208922-there-justice-normal-hardworking-2.html#post2308904

Thank you:cool:

Hi All

MBNA called me and usualy threats and when i saidto them that i have requested a copy of CCA and you have not sent me first he said we have not received such request. after a while he goes oh here it is. We have 21 days to reply and we have received it on 20th July (capital one has already written to me that they cannot find my account). then he says we will send you the copy on 31 august when deadline expires so (20 th july to 31 July...21 days? ) well then he kept on the debits wouldnt o away and was pushy that i should enter on payment plan etc.he said i am 4 months behind and after 2 months they will pass it on DCA etc.

He was assertive and pushy but sounded like he is bluffing?

Any advice what should I do?

If I enter into some agreemnt plan then they will be laughing?

I need urgent advice.

I offered him that i will make a token payment of £10 but shall i pay ?

Same sort of discussion with Crap 1 this morning as well.

Please people help me as i need help

Thanks in advance

Thanks coactum.

so what i should do?

instead of reminding them and wasting another 3 weeks shall i throw SAR

at their head?

please advise:-x

Crapone said they cannot find any details regarding this account and i am asked by them to contact ASAP.

what you reckon about them?

I still get calls from their (Indian) call centres and do not talk to them

Thank you so much coatcum and AA99

I am so grateful.

Crapone replied to my CCA saying that they dont have any account number (my account number) with this number in their archive and I need to contact them ASAP letter signed by an account manager . (I have not contacted him yet) what shall I do?

is it a champaigne time

I did not receive any reply from MBNA 18 days passed since i sent them cca request.

what should be my next step?

Thanks Gents.

Hi

They have not send me CCA request instead they call me 3 times a day and now i dont answer their calls. They also putting marks on \My credit file every week?

What should I do at this stage?

can you paste subject access template here please.

Can some one put a direct link or copy and paste subject access request here please?

Hi AA99

so you saying i should get SAR request fill it up send it to MBNA and then complain to IC if they (MBNA) dont help.

????????

Hi All

Just wondering if anyone write a template letter here for Information Commisioner Office and the address of this office and we all post it to Commsioner wouldnt that be great?

Hi Mike

More than likely you will find in this thread plus this thread will provide you a hell of information.

http://www.consumeractiongroup.co.uk/forum/mbna/184041-all-mbna-caggers-fight.html

Thats brilliant news, I cant take any credit.. its you who is fighting back not me. This site is all about helping people out to fight there battles, the other side do not play fair and are big corporations with almost unlimited resources.... Keep up the good fight

S.

Hi Shadow

You have given me confidence and light and courage to stand on my feet. You deserve appreciation my friend.

and what you reckon about below

I have received letter from Crapone yesterday It goes.

Dear (oh my god) MR..........

Thank you for your request under s78 of CCA1974. I am sorry to inform you that I am unable to find the executed credit agreement under the account number you have provided in our archive system,

Please contact me as soon as possible(urgency.???/ ) to idscuss this matter further.

account manager

Blah Blah

Your advice needed please shadow. Is it time to start saving for champagne bottle or is it bit too early ?

Hi Mike

according to the land of law they need to reply 12+2 in 14 working days. However as they are big fish they get away with that but that does put them in S**T though.

You will find default letter here in thread especially threads relating to MBNA credit card.

I have received letter from Crapone yesterday It goes.

Dear (oh my god) MR..........

Thank you for your request under s78 of CCA1974. I am sorry to inform you that I am unable to find the executed credit agreement under the account number you have provided in our archive system,

Please contact me as soon as possible(urgency.???/ ) to idscuss this matter further.

account manager

Blah Blah

No I am wondering Even if i have been complete lemon (which I am usually) and send them wrong account number or made mistake in typing the account why cannot the account manager find my details by using search function (using my address and post code)

anyone please?

Hi People

Count Me in

let us all get united and protest it (even practically) more we are united in numbers against this unjust system more we will be successful.

You dont pay £10 and get CCJS these institutions has caused recession turned world upside down interest rate record low in 3 centuries they charging us 34.09% still ?

And their bosses getting millions of pounds in pension?

their managers enjoying romantic beach holidays in expensive hotels .

Who is paying for all this???????????//

Us

and Only

US

Let us stop this anarchy and join hands togather to fight against it.

If we all fight indiviuvally it will be stressful and long .

let us join togather

Hi GSM

Well done dont give up I have sent CCA requests to crapone and MBNA and praying every day that the dont send me anything back Only 4 working days to go and then i will default them.

I am following shadow s advice and keep a close eye on your case to get guidance.

I also have discoverd that if credit companies call you dont confirm the DPA (data Protection Act) details refuse to confirm your date of birth postcode etc and tell them you will only communicate in writing.

I am down from 20 calls to zero calls a day (thanks to shadow)

keep us posted Mike

Hi All

Just 2 days to go since CCA request deadline runs out. I have complete silence from MBNA and Cap 1 no phone calls nothing. is it good or it is silence before storm?

Although they are doing my Credit file as I receive alert from Experian every week.

They have received token payments and we are in negociation about debits so are they still allowed to paint my credit file?

If i am luck to go onto unenforced credit victory stand will they have to remove these from my credit file?

Any one please?

Hi Silly GIRL

:DAs far as the calls go why not answer them in a foreign language, keep repeating "I do not speak English" or "My grandmother has two wooden legs" and they soon give up. I use Japanese myself...

I even swore them in Indian but that did not work. lol

I am at work and my phone has tickeld( on a viberate of course at work )me 6 times already Today (4MBNA s 2 Cap1 calls)

I dont even bother to pick up now. MBNA even got sheffiled number so if you call that it goes to INdia.

They email me yesterday as well but when you reply back to email you get email thrown back to your face in 5 seconds as server says this email address dont exist ( are not they breaking the laws ? there free numbers cost fortunes from mobile as everyone not sitting at home these days to use land lines and if you managed to get home before 9pm or call there 24 hour service the call bound to go to India where you need to explain from scratch and speak so loud that neighbour would think how on earth this single bloke arguing with at midnight

You should continue as you have been until 14 days are up, then send the in dispute letter.

 

Whether you carry on paying after this point is down to you.

 

I would start your own thread on this. You will get more help that way.

Hi

Thank you for your help I was advised to start my own thread and I have

please visit

ttp://www.consumeractiongroup.co.uk/forum/general-debt-issues/208922-there-justice-normal-hardworking.html#post2290011

The God Mother

Thank you for your valuable advice I am so grateful for continued guidance and it has made me feel that i am not alone in this fight.

Dx

You are like a Boxing coach so encouraging and making me feel alive and brave

I am so grateful for all of you.

Hi DX

Thank you for advsing me this again lol you really are encouraging but as I am not an educated person and English is my 5th language , I do get worried when they right threatning letters , Although I am making token payments to Cap 1 and MBNA but my credit file has changes every week.

Thank you

If you follow the link below, it will take you where you need to be.

 

If there is not a DCA involved, then obviously no letter required?

 

http://www.consumeractiongroup.co.uk/forum/

Thank you Vint

What actually I meant to ask if they dont send me CCA in or after 14 days and keep demanding payments or pushing for arrangment plans shall i send the account in dispute letter.?

that is what i meant to ask or more simply what should i do while i am waiting for CCA ?

Thank you

Thank you so much Shadow I am grateful