Have just sent the letters chaps, so we'll see where they go from there, thanks for your help and guidance thus far chaps! Nice to have some great people on my side.....

Thanks chaps! Will be sending the letter today, been a bereavement in the family so not been concentrating properly, will send that letter today johny, thanks to you all for your advice will keep you posted... Just re-read that letter and it's dated the 12th august and i got this late 21st august so i was pretty much stuffed on the 24hrs notice anyway...

Had a nice letter from DG on Sat afternoon, along the lines of (big bold letters.) if you do not phone us within 24hrs (open on sunday are you?) It may not be possible to avoid court action!!! Any views? Still not going to phone the scumbags though....

Thanks citizen b strange for some reason the first link wont show but it is there! i'm sure they have already sent me a dn but will have to try and find it!!! As i've said they seem to have sent me the online app cca, when i know i filled in a 0% transfer form through the post with my signature on it does that make a difference? What's the worst case here? court jobbie and i pay only what i can afford? Thanks in advance for your help! Oh and what about the DN that they've sent me is it a valid one?

Hmmm i'll bet lol still got all them to come yet, well not the inhouse monkies ones anyway...They don't count really..

Bless them the lovely little kind hearted people that they are (cough, cough...)

Thank you babybear, no problems about that i know your a busy bee! Find it strange they've sent me an online cca version when i filled in one of their 0% transfer thingymabob that came through the post, any reason for that? cos none of the boxes are ticked either on mine unlike others i've seen?

Me or mbna? Lol anyway how do i flag this for a site mod babybear? and if it is enforceable what am i looking at? If it does go to court will i only then pay what i can afford? And yes i have property but it's shared ownership so their going to be stuffed down that route!!!

Hi shadow, no everything was done by phone agreement wise!!! In retrospect i now know i should've got it in writing, but hey ho! what do i need to do to post 7 sorry?

Hi babybear i got the letter through the post 2days ago? marked with a s on the letter uk mail... Any help?

Thanks for that have not fallen behind on the hardship at all, have payed on the dot every month! But they now seem hell bent on going this way... Only reason i stopped talking to them was because all they wanted was more and more money that i couldn't afford? have asked for everything to be in writing but they seem to ignore it? Oh! And the cca they sent me through wasn't what i signed it was one of the 0% jobbies sent through the post? Don't know if that helps?

They really are a bunch of scumbags aren't they!!! Am so glad i found this site by happen-chance...

Hmmm i did think that? So what's my next move? Send off the letters on the previous page?

Thanks chaps this is the rather lovely letter for you to ponder over can you let me know what you think please? http://i980.photobucket.com/albums/ae289/tuvelpit69/dgsolic.jpg Thanks for all your help so far!! It is really appreciated...

Have just had this through the door can someone please please comment and help me on this thanks so much!!! http://i980.photobucket.com/albums/ae289/tuvelpit69/mbnadn.jpg Seems they can't be bothered to stick to our severe hardship agreement, am sure they've already issued me with a dn but not sure where i've put it...

Had exactly the same stuff through he post myself... Nothing with my name etc or signature on it, am still paying them the hardship money they put me on anyone know what i should do next? thought they sent me an invalid dn but i can't find it anywhere shall have to tear the house apart methinks..

Wow! Cheers for that! Hope that will hopefully put a bee in their smarmy bonnet!!!

Do you have a link to that letter about the UR that i can send to them too, please?

Hi LTP have just got my letter from DG solicitors, saying that they're going to take me to court and 'may' etc etc.... i shall send that letter of yours and see where it goes from there......

Right have finally got around to uploading the stuff they've sent me minus a statement and new t&c's if you need em just ask and i'll put em up the only signature on these is a scrawl on the statement and it is a scrawl... Please let me know about this cca, as i think personally it a load of cobblers but well your advice is always appreciated.... Thanks in advance peeps!!! http://i980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/mbnaccacover.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/Mbnacca1.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/Mbnacca1rvse.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/mbnacca2.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/mbnacca2rvse.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/mbnacca3.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/mbnacca4.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/mbnacca4rvse.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/mbnacca5.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/mbnacca6.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/mbna%20stuff/mbnacca6rvse.jpg Please let me know what my next course of action will be after viewing this please... As i've said i've deleted my personal info but have not edited any sigs as they were all blank...

Many thanks!!!!

It does seem so babybear!!! As i've had back my cca request and that shows on their system as still being processed!!! Little sods lol, phew!!! Should i still send it? Or is proof of posting still good enough?

Do i still remind them that i accept their UR from the 22/04/10 when i sent the first letter just to be sure? Will get onto the post office in a little while to find out if it has been delivered?

it shows they were, accepted at the local post office etc but then still says their in the system to be delivered, have read some threads elsewhere that says that hsbc don't sign for them for some reason etc!!! Or should i send that UR letter once again cos it went in April, does it mean that that the account isn't in dispute and i'm in the cr@p here?

Quick question LTP? i have posted off the UR letter back in April did the check online and said it was in system etc, looked today just to check that it had been signed for and i got "this letter being progressed through our network for delivery. " Now does that mean it's got lost? or simply that hsbc haven't signed for it? checked my mbna one and that's been signed delivered etc!! Seems that two more to hsbc are still showing like this. Does that mean i have to re-post the letter?