First time poster so please be gentle with me
So here goes with a quick summary
In May 2009 sent MBNA a request for my CCA which they ignored.
In June 2009 after the 12 + 2 days sent a default notice which they ignored.
In July 2009 sent a CCA request reminder which they ignored.
On 7th July 2009 received a Default Notice from MBNA stating in order to remedy this breach I had to pay the full amount of the outstanding balance of £xxxx by 24/07/09 (only 13 working days)
End of July 2009 sent a further CCA request reminder which they ignored.
On 4th August 2009 received a letter from Experto Credite stating that Varde Investments had bought the interest and outstanding balance of MBNA.
On 6th August 2009 made complaint to FOS re MBNA behaviour as account was in dispute.
On 6th October 2009 received letter from MBNA enclosed was an Application Form. They state in there letter “the Application Form which we have sent to you is in fact a copy of your Credit Agreement, as is evidenced by its form and content”. (Not a single Prescribed Term in sight).
I’m a bit lost as what to do now:-
The FOS are chasing me for a decision re my complaint, they do not seem to be bothered about the fact that the account was in Dispute when MBNA sent me a Default Notice or the fact that MBNA sold the account etc etc.
The FOS think I should accept £50.00 compensation from MBNA for the fact that they failed to reply to my requests. (it’s not about the compensation)
MBNA claim that they had never received any of my requests, but when the FOS explained that there was too much proof that they had in fact received my requests. MBNA just put it down admin error?????
Am I right in thinking that MBNA have not given me long enough time on the Default Notice they sent which was dated 7th July 09 for Remedy by 24th July 09 and the fact that they are requesting the full amount of the outstanding balance? if so is there anything I could /should do???? I have kept the envelope you know the one S were the stamp would go, it also says UKMail express parcels & mail, I think it is 2nd Class. (only 13 days)
I stopped making token payments to MBNA in October 2009
All correspondences to MBNA were Recorded Delivery with receipts and proof of signatures.
Also I have receipts for the £1.00 Postal Order and proof MBNA cashed it.
I have not sent a request to MBNA for a SAR so far
There is wrongly sold PPI as I am self employed and Obscene Charges
This is for a MBNA credit card
Sorry if what I have tried to explain is a bit messy, not great at putting things down in writing, but I expect I will get better in time. .
I can go into more detail re the above if need be.
Thank you Sooooooooo much for any help and advice.
No Money Hony