It would be interesting if they come up with something else I suppose, so will do. Just thought as already done it twice was a bit OTT! No problem though. Thanks

Thanks for the replies AndyOrch and DX100uk. Do I really need to do another CCA request with the PAP form to Mortimer Clarke? Cheers Pushy

DX100, Re your post #47 do I need to do another CCA request? I'll do the response form today to send to MC. Pushy

Hi DX100, I don't have an agreement or a copy. My comment was based on the response from CITI when they sent the information in response to my SARN request. See the bit underlined that says that they do not have records for my account available prior to March 1998. I have also added the only letters that came together from CBot relating to the assignment of the alleged debt. Does this help clarify my position? Citi Response to 2010 SARN and Notice of Assignment to Cabot.pdf

Hi, Here's the latest redacted Reconstituted Alleged CCA that I have from Cbot. I did have a similar recon doc from Citibank dated Feb 2010. Peoples_Bank_Reconstituted_CCA.pdf

Hi DX100, Here's the claim threat letter from M Clarke.

The decisions were mine. I had alot going on back in early 2011. We had a fire in our home office and my wife had just started a new job. I was trying to get my head around my business which folded at the end of 2009 and what to do as well as look after 3 daughters 16, 14 and 11. That was when I decided to use a DMP and let someone else handle a number of c/card issues for both my wife and me. I stopped the DMP around April 2017 and then realised that I would stop paying and push to see who had a possibly valid CCA. Most of the cards have been sold on and there are no valid CCA's so are not enforceable but may raise their heads again. Cbot have decided that the size of this makes it worth trying for suppose so that's why I'm ready to get this resolved now. Non of the CAG team have given an opinion on this recon CCA yet. Will pick this up again on Monday as not around over the weekend. Thanks for your help.

Thanks DX100uk, Just confirm correct on all 3 = 1) 'cos it's a clean form 2) I must do a new CCA request 3) I don't send a I&E analysis Pushy

Hi team, well time goes on and now Crapbot have decided that they will try to get me to court. I haven't paid them anything since August 2017. I received a 30 day response Pre Action Protocol letter from our friends at Mortimer Clarke Sols. All the usual information to be entered and returned Can I just ask DX100 : - 1) why it is better to use the form that you point to on CAGS rather than MC's own response form 2) If I have already done a CCA under Section 78 doc request and Cbot have only been able to produce a recon copy of Peoples Bank and Citi information received 25/02/2018 do I need to do another CCA request at this stage? 3) I believe that I do not need to complete a personal income & expenditure for them at this stage. Any help will be most appreciated as always. Pushy

Hi Everyone, Just to quickly update this thread: - In the end as we have a number of credit cards we decided to stop paying them all (including my other half's) and put all through a Debt Management Plan. Saved me loads of time and angst as they now handle all correspondence for all our debts leaving me free to concentrate on earning money to pay it all off sometime in the future. I wish all on here successful claiming, as I'm sure there are ways forward for all depending on individual circumstances. Best Wishes and thanks for all your comments, help and replies. I learnt loads and can now also help other people in similar circumstances whenever possible. Yours Pushy

Hi Everyone, Just to quickly update this thread: - In the end as we have a number of credit cards we decided to stop paying them all (including my other half's) and put all through a Debt Management Plan. Saved me loads of time and angst as they now handle all correspondence for all our debts leaving me free to concentrate on earning money to pay it all off sometime in the future. I wish all on here successful claiming, as I'm sure there are ways forward for all depending on individual circumstances. Best Wishes and thanks for all your comments, help and replies. I learnt loads and can now also help other people in similar circumstances whenever possible. Yours Pushy

Hi Everyone, Just to quickly update this thread: - In the end as we have a number of credit cards we decided to stop paying them all (including my other half's) and put all through a Debt Management Plan. Saved me loads of time and angst as they now handle all correspondence for all our debts leaving me free to concentrate on earning money to pay it all off sometime in the future. I wish all on here successful claiming, as I'm sure there are ways forward for all depending on individual circumstances. Best Wishes and thanks for all your comments, help and replies. I learnt loads and can now also help other people in similar circumstances whenever possible. Yours Pushy

Try again after new upload. Thanks Pushy

Not sure what happened in the last reply but have experienced that before so here is the first letter from HL Legal again: - http://i931.photobucket.com/albums/ad156/Pushonup/MBNA%20Visa/MBNAVisaHLLegalThreat128032011.jpg"] Yours Pushy

Hi again, It's been a while but I now have a company called H L Legal (Solicitors) threatening further action on behalf of Experto Credite ( Varde Investments (Ireland) Ltd' agent) I realise that I missed the boat in writing to and involving the Financial Ombudsman - does that make any real difference to my claim that MBNA have not followed correct procedures. I am planning to write to H L Legal to refute Experto's right to collect on behalf of Varde due to the incorrectly served DN and passing the debt off. Any help or comments will be gratefully appreciated. Which or what letter would I be best using? Two letters below for clarity of HL: - http://i931.photobucket.com/albums/ad156/Pushonup/MBNA%20Visa/MBNAVisaHLLegalThreat128032011.jpg"] and more recently: - This may be useful to others experiencing this pressure. Yours Pushy