No PPI, but may have had one or two charges over the years but not many

I racked up my credit cards helping a friend out with his business, and got dumped on from a great height. I was earning well and paid them for a couple of years but after spinal surgery had to stop work. all the companies accepted a debt plan frm Payplan apart from MBNA. What do you suggest as my next step?

I'm not sure of the exact date I took out the card but believe it was in 2004 MBNA agreement 3.pdf MBNA agreement.pdf

I passed my credit card debts to Payplan. They were all accepted apart from MBNA who declined. I then sent them a CCA request. Hillesden replied saying that they were awaiting the paperwork from MBNA. A copy of the agreement eventually arrived as 5 pages of a 6 page document with the card number scribbled on the top, obviously the first page was the one for the signature. On 22nd July I replied pointing out their failure to send a true signed copy. They replied with a letter saying that I failed to respond to their previous letter and to call them in order to discuss my payment options. Is there a template letter to send in reply, or should ijust let them take me to court ?

I passed my credit card debts to Payplan. They were all accepted apart from MBNA who declined. I then sent them a CCA request. Hillesden replied saying that they were awaiting the paperwork from MBNA. A copy of the agreement eventually arrived as 5 pages of a 6 page document with the card number scribbled on the top, obviously the first page was the one for the signature. On 22nd July I replied pointing out their failure to send a true signed copy. They replied with a letter saying that I failed to respond to their previous letter and to call them in order to discuss my payment options. Is there a template letter to send in reply?

Thats a great help cheers

The bailiffs are threatening to call on my daughter for rent arrears. She has told the agent that her debts are all in the hands of the citizens Advice. Newlyns are ignoring this and have called at the house today. I have told her to deny access. I am sure I have seen a template letter somewhere on the site, but am unable to find it.

Thanks Dotty50, I've now uploaded the edited version

No, the letter said they were enclosing the requested documents and I have 7 days to make a payment or further action would be taken.

I scanned the pages in reverse. On the bottom of that page it does say 2of 6!! They only sent me 5!!!

Yes, it is the card number ending in 007

Thanks for your help, I will let you know what happens

Do you think I should send the 'In dispute', no CCA letter or is it too late?

I think I got it right this time! Thanks for pointing out my mistake Dotty50. I have now uploaded the edited version MBNA agreement.pdf

Pages 1&4 its the first time I've tried this. Please let me know if it doesnt work

I sent a CCA letter to DLC on 6th May. They have just replied stating that they have enclosed the requested documents, and failure to make a payment within 7 days may result in further action. The 5 page document they sent is a copy of the agreement with my address but no signature or section for a signature. The only section to sign is for cancellation. Is it too late to send Account in Dispute for them defaulting in response to the CCA request?

Count me in CCA no reply Out of 6 cards 5 accepted Pay Plan offer MBNA declined and sold the debt on to DCA

I had a call from an unknown number this morning from Circuit Financial Solutions offering to sort out my financial problems. They are CompuCredit which is Monument!!

I sent a CCA request to Shop Direct Finance.Their reply said,' Unfortunately we are unable to locate a copy of an executed agreement, but for your information we enlose a copy of the current agreement which applied to this type of account. this version includes all contractual variations which have taken place.' They then outlined the amount of the debt, date the account was opened and that I agreed to pay every 28 days. It also states that,' As the debt remains unsatisfied this will be noted on our internal file for future reference.' Where do I go from here!?

For some good information on bailiff charges it is worth looking at baiiffadviceonline.co.uk

Say No To 0870 is a good source of alternative telephone numbers and address. Mercers and Calder are under the same address: PO Box 28 6th Floor Liverpool L32 8UY. With a landline number: 01514732528