I like your style babybear, wonder if it ever gets to court will they accept that lol? And thanks vint for your input as well, still nothing in the post from metropolitan or anyone else wonder what the b$ggers are up to?

Be interesting to see what happens to both of us? As i've said before absolute worst case, is they favour the banks and then i can pay only what i can afford over x amount of years.....

Thats what i thought with the timescale! The earliest i would have got that letter irrespective of first class post would have been at least the 7th!!!! Still waiting for anymore letters to arrive so will keep you forgive the pun posted!!! Thanks for easing my mind somewhat....

Will have to get the dn out and look how much was interest at that time? think it was about 800 pounds maybe less.. but payment in full came cple weeks later will have to check on em. So realistically they can chase me for the 800 pounds or so? And not the 9.2K? Whoops for hsbc methinks... My dn notice and payment in full are on this thread page three i think, can you have a quick gander and let me know? Vint says it's invalid but do like 3 or 4 opinions...

Ahhhh! That's why they've been a bit quiet as of late? Thanks babybear... Oh please please let mbna do the same lol, cos their Dn is faulty too by the look of it....

Cheers LTP! Next question for you, or whoever can answer it with the invalid DN and then the payment in full demand. I sent the UR letter is it true they can now only get me for the interest at the time or can they still go for the full whack? I mean from a legal standpoint am i wasting my time or if i stick to my guns what can they really chase me for?

Well smack on time the cca stuff came in the post this morning ( oh well i thought. Worth a try!!!) Anyway opened the letter from (virgin.) mbna and well a load of old well you know what.... all blank forms, latest t&c's plus a couple of statements nothing with my signature on it etc etc, will get then loaded up to photobucket tomorrow for you good people to look at, and hopefully advise me on my next move... So what should i do next with regards to this laughable cca they've sent me? At least hsbc made an effort, when i asked for theirs albeit four days late lol

Got to love em eh! Not had the pleasure of dg as yet!!!! but have six years off ppi on my credit card i should look at? seeing as they cancelled the ppi on me after i missed two payments and made reduced payments etc... they sent me my cca which was pointed out it satisfies my request but it wouldn't stand up in court but not sure why??

As i've said earlier in the thread i can't believe someone as big as the worlds bank can mess up with an invalid dn and payment in full they must be so full of themselves that they don't care? as soon as dg get involved i'll send the account in dispute and see how that fares... Just had another letter from metropolitan today if i don't pay full amount within the next 24hr we "may" pass it on to DG solicitors etc you "may" have ccj etc all the usual threats.... Should i point out to them the accounts in dispute etc of wait till dg get involved?

no worries ltp it's nice to have some input on this thread, seems your at the same point as me at the moment.. lol

i really should look at the ppi i paid them for nearly six years then? as i've said dg aren't involved just yet, but as soon as they are then should i send off the same letter to them and asking for the amount as the account went into dispute?

Seems mbna really want me to pick up the phone now, as they seem to be using mobile numbers in the hope i'll pick up. which i won't, if i don't know the number. and have left messages to get in touch to resolve etc etc... Any ideas please? before they issue a dn against me, which they've already done 3 months ago....

Ok sort of understand that lol... and what about the in house dca metropolitan what do i say to them? Do i point out that i have sent the above letter etc or wait for the next set of empty threats.... unless it's going to dg solicitors which they've already threatened...

Does that mean i've done it wrong then? i was told to fire off the acceptance of the termination with the unlawful rescission. as one!! Can someone elaborate please? And is there anything i do to tell metropolitan about this as they're demanding the full amount??? Thanks in advance..

Thanks PF will wait and see what the cca brings before i waste a tenner lol, my biggest stumbling block so-to-speak is that the card is only 3 or 4 yrs old, but you never know... If they can't find it etc can i then put the account into dispute? Or can they enforce it no matter? Thanks...

Hi there!! Have been on the Hardship program with mbna, fell behind on payments etc... survived all the nonsense calls i used to get sent them the letters only template etc, still get the occasional call straight to answer phone.. ( they must not like me lol..) anyway they've sent me the we're going to default you etc notice 28 days blah blah ( which is quite funny as they sent a DN back in April:rolleyes: i think..) will get the jpg up for someone to look at to see if it's invalid etc... And today i have sent off the CCA request, should've done i ages ago i know, but have been having a separate war with hsbc... Just wondered what my next move is? Thanks in advance...

Thanks vint!!! i have already sent that letter back in April!!!! And yes they did ask for payment in full... (sent letter of repu after that on advice from babybear and broooce, thanks to them...) just wondering about the cca? is it cosher so-to-speak and what can they actually try and get out of me now the full 9k or the 800 pounds that was added at the time of their full payment demand? cos metropolitan seems to want the full amount? So can you advise me on what i can do next?? Thanks in advance.... Oh! i should add they never acknowledged that letter but did send it recorded lol...

Just had a lovely letter through the post from metropolitan onthe lines of we're disappointed etc etc and we will take you to court and get an attachment of earnings etc... Can someone just take a peek at my cca stuff so i can decide what to do please!!

Right here goes with the photobucket... Can you please please look at these docs they've sent me for my cca and let me know if i'm in the poop or not? http://i980.photobucket.com/albums/ae289/tuvelpit69/cca1.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/cca2.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/cca3.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/cca4.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/cca5.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/cca6.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/cca7.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/cca8.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/cca9.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/cca10.jpg Minus information about me and my sig these are exactly what they've sent me.. With separate original (photocopied t&c's..) plus new amendments etc.. Please please help so i can see what my next move is... http://i980.photobucket.com/albums/ae289/tuvelpit69/dn.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/tn.jpg Oh! And here's my Default notice and final demands for you also to look at please please help!!!

Well there's no overdraft on it now... so they can't put that od but bet they will and charge me, only six payments left on the bank loan, thats not missed or behind.. so if that's paid off they'll let me close the account? But i said that the direct debit is set up on my new account to pay that and then close the bank account but they said nope. Refused point blank... only the credit card am i in trouble with, but hopefully they'll stuff up properly on it with two days to go... And todays post already arrived ( oh fingers crossed....) Thanks bb! Great help and sorry to keep troubling you...

Thanks dotty! Much appreciated.... have sent one to hsbc which i'm in trouble with as well but the template someone gave only had twelve days on it? will that make it invalid or should i just wait past the 14 days? much appreciated....

Here's a quick one for you hsbc won't close my account (bank ) because there's six months left on the loan with them my new bank has set up the dd for it but hsbc flatly refuse to close the account and because of this they have got me overdrawn with this account as no money is in it and all money is coming out of my natwest account. Any ideas on how to remedy this please this is the only account hsbc that tied my wife to me financially

Thanks for that griffin!!! Will send that off as soon as, silly me thinking they would abide by their own word... i put the number up to see if anyone recognized it as an mbna number (sorry should have said...) so best to not answer the phone to these people as i'm stressed enough as it is?? Thanks in advance, Oh does anyone have a template for the cca request please?

Am having some ongoing stuff with mbna myself, did get on their severe hardship etc etc due to ill health and whatnot, been paying them 50 pounds a month for several months, now had a letter last week saying account was severely behind (durrr i know...) now the phone calls have started again, only to my mobile they don't have my home number yet! and some e-mails from Aldersey, Nicholas bank of america has come through, haven't cca'd them but think i'm going to have to as they don't seem to be sticking to their arrangement.. Any advice on my next steps please? They have already issued a dn to me so will put it up if anyone can tell me it's invalid? Thanks in advance Oh and please call mbna on 0800 092 4297

Thanks for that johnny, been a balls up, my wife posted it for me but she didn't send it recorded, so sent one off yesterday with broooces template letter and the 1 quid postal order so fingers crossed for the next 2 weeks they can't find it?