Hi Can anyone help me as I am trying to get a statement(s) of account from when a credit card agreement debt was sold on to a third party company. I feel that I need to know and have the original paperwork showing the amounts sold on to identify if the amounts are correct.

Hello Vint1954 I have now received a reply from the letter and in 7 days, hence I now need further advice in respect of their response. Further to your claim that we have only provided an application form, if you look carefully you will that in fact as is typical with many agreements this is both an application form and a properly regulated CCA agreement. I would wish to point out to you at least two significant area's to prove this point the first sentence 'Credit Agreement regulated by the Consumer Credit Act 1974' and the signature box which which also confirms the same. I note your comment that the document does not contain the prescribed terms and that the terms and conditions are generic and do not agree with your assertion. Whilst you may be entitled to your own interpretation of the Consumer Credit (Agreements) Regulations 1983 Schedule 6, , both the agreement and the terms and conditions, sets out the prescribed terms in accordance with section 60 (1) of the Consumer Credit Act 1974 and Schedule 6 Column 2 of the Consumer Credit (Agreements) Regulaions 1983. We would point out that as the above debt relates to a credit card, on issue of a new card a copy of the terms and conditions are supplied to you, by using the card you are agreeing to the prescribed terms and conditions of the original creditor. This ia an industry standard document and conforms with the Regulations . | also note your comment that you are unable to assess if you are indeed liable for the debt and would point out that our records confirm that on several occasions since purchasing the account you have admitted liability and have made payments to date totalling XXXXX. My colleague explained the defination of a true copy an agreement and I would refer you to her letter of the XXXX. In fact we have provided an exact copy of your original not a "true copy" as you mention. Therefore it could be argued we have exceeded the requirements we have exceeded the requirements of the Act. Your comment that the account is in dispute has been noted but you have not provided us the the details of your dispute. There are other parts which relate to the amount outstanding, but nothing significant. Is there response legitimate ?

Dear Vint 1954 Many thanks for this..............I'll get typing and see what happens. I had 2 credit cards with MBNA and the other one I am chasing is also asking MBNA for a statement of account on my behalf. Do you know what they are referring to ?. Many thanks Foo Fighter

Hi, Can anyone advise me regarding this response that I have received from 1st Credit in respect of a complaint after I received very aggressive telephone calls from them ....... I requested a copy of the telephone calls and 1st Credit state "That we are not obliged to provide transcripts/recordings of telephone called as they are not held in a relevant filing system. This interpretation has been confirmed in writing by the Information Commissioners Office". Furthermore it appears necessary to clarify the definition of a "true copy" of an agreement. "Where a creditor reeives a request to supply a copy of the executed agreement, the Consumer Credit (Cancellation Notices and Copies of Docuements) Regualtion 1983 apply. Regulation 3(2) states that there may be various information omitted from this true copy. Details are not required to be in the agreement by law include the signature box, signature and date of signature. Thereforee the effect of Regulation 3(2) is that the creditor in only obliged to send out a generic copy of the agreement the debtor has signed up to. The creditor is not obliged to make an actual photocopy of the agreement". "On this occasion 1st Credit have exeeded the required obligations of the law and have provided you with an actual photcopy of the agreement you signed". My questions are:- Is the above correct from 1st Credit insomuch that they are correct in all of the above ?. They have forwarded me copy of the application form from MBNA which is LA-5-96-29-N which was signed in 1996. I have heard that I also need to obtain a statement of account, hence does this mean from MBNA or from 1st Credit ? And, what is the statement of account ?. How do I proceed from here ?. I would really appreciate any help in knowing what to do next ?.

Oh, hell I'm a techno dunce....... am I right in thinking that the attachment has now been removed.......?. Damn, I'm hoping it has until I can rescan without my details being public. LA-5-96-29-N is the reference number at the bottom. Many thanks Foo Fighter

Hiya Yes I wrote to both MBNA and 1st Credit back in May requesting a true copy of the CCA, but 1st Credit emailed it over last week after I chased again. Another thing that puzzles me is that I ticked for PPI but I am not sure if I paid it and that the figures quoted go up to 5k and my credit limit was actually 15K.

1st Credit emailed this over and I have just blanked out my personal details. Can I request a true copy of the CCA in it's original state do you know ?.

Hi Can anyone help me and take a look at this CCA with MBNA ?. This was signed in 1996. Many thanks redoneagreement.PDF

Hi Can anyone help me to look over the attached copy of CCA which was taken out in July 1996. I'm getting masses of hassle from 1st Credit, hence I would appreciate advice if this a legal CCA ?. Many thanks redoneagreement.PDF

Hi Can anyone help as I've requested a copy of my Credit Card Agreement with MBNA for an account which was passed on to 1st Credit. Apart from receiving an agressive call from 1st Credit they have now sent me an electronic copy of my application form for a credit card from MBNA. Is this the Credit Card Agreement or should I be asking for something else as my application just states my details (Name/Address/DOB/Employer and Salary) with the terms and conditions of use of the card. Oddly enough it also quotes up to £5000.00 interest and not above whereby my card limit exceeded that amout. I also ticked payment protection insurance and I am not sure if I paid or not as the agreement was taken out in 1996.

Can anyone help me as I've writtent to MBNA requesting a copy of my credit agreement on the 22nd June 09, but have not received a reply. I would like to know how to word the next letter demanding a response. I had two credit cards with MBNA which was passed on to Direct Legal and 1st Credit. I was not able to pay because I had major spinal surgery. I took out the credit cards between 1995-1998 and I have been paying 1st Credit and Direct Legal since 2001.