mbna are about 3 yrs old so they'll most probs have them... hsbc was 2004 or 05 i think!!! no later i know that... so about this missed call if i speak to them do i just say the account is now in dispute and to furnish me with the cca? cos from what i've read they'll probably start the court route straight away! At least all charges will be stopped.....

Okay so do i still pay the ratbags the 50 quid i was giving them or reduce the amount... thought once they get my letter then the account was in dispute as i've not really said anything to them before... Mmm they don't hang about seems i've had a missed call from them today with no further action to be taken yet googling it it seems its a dg legal jobby, do i state that the account is in dispute and for them to provide me with the original copy off cca? cos it looks like these sneaky so and so's are going straight for the court route?

http://www.consumeractiongroup.co.uk/forum/formal-solutions-bankruptcy-administration/243981-iva-help-2.html Think thats the right way to do it? i did start a thread but it seems to have been taken over!!!!

Says it all really!!!! As i said to broooce! My morals have changed big time towards theses people... Only missed 1 payment with each then communicated to get reduced payments in effect but both were no chance then the threats etc... So now may as well play them at their own game.. Have sent the letter recorded? Does that then put the account into dispute babybear? still finding my way on here but you've both been a great help thus far to me!!

Funny used to be great with me until obviously this happened been with them 15 yrs never a problem bank loan finishes in 6 months, never missed a payment etc no problems with mortgage never missed a payment,then i'm off work with injury then wife has problems with baby whilst pregnant, so survived on one wage for best part of a year, then fell behind with hsbc and mbna and wallop both go mental great service eh!!! Have just posted the first letter to helen see how she likes her final demand reply... hows yours getting on did they get straight back to you panicking? Can't believe a bank of this size can mess something like that up?????

Well have just got up from me nights hate em lol, and have drafted your letter broooce for the final demand etc! Hopefully this will buy some time and get the account into dispute and tomorrow i will be sending the CCA and SAR .. will let you know how i get on... As it seems we're at similar stage with the worlds bank!!!

Just like you brooooooce my attitude has changed, first of all quite scared about what was happening to me then and still am willing to pay but after the way i've been treated its a case of right if you want to play that way you've messed up lets see how this goes sort of thing.... But you've been a great help thank you! Was my dn same as yours invalid wise?

You are a gentleman!!! Hope this throws a major spanner in their works!!! Didi i see a template letter for not phoning me and only will answer by post letter?

Great stuff! Used to panic big time when these came through but the more i read it's a case of go on then i can only pay what i can afford through the courts etc.....Anyway, do i just do a search of the template letters for all of these letters i'm going to send?

Lol just received the very same letter!! They didn't even wait till the 26th bless em! Do i need to put em up for a look? And do all my letters go to the same address for hsbc albeit the different departments, any template letters i can dl to modify? Sorry didn't read yours fully.. great help... And that figures why mbna have been okay with me as i'd been off work with illness, so they'll most probs turn nasty soon then?

No not as yet with mbna! they started off really bad then settled down once they knew my situation but i don't expect it to last but will send them a cca and sar letter whilst i'm about it!!! With hsbc should i wait till the 26th? or send em beforehand? And who and where do i send em too? Please... Your being a great help! As i've said i don't mind paying it all off it's the way they ignore and threaten you!! So may as well play em at their own game, worst case i still end up paying only what i can afford... best case i get nearly 20k wiped off!!! What was the post about with the invalid dn notice?

So send the letter! then request my cca or sar? cos the deadline is 26th april before the next set of threats!!! Ans should i then stop payments to them, or just pay a token amount? Lol how many phone calls and letters are you getting every week?

Hi Brooooce! Just a quick note please will use your template letter! Do i address it to the wonderful miss packwood? and send it to the address on the letter? And did you send it recorded or special delivery? Will post it tomorrow and hopefully put spanner in their works!!! thanks in advance

May be worth a go just to see how they like it, not that they will lose any sleep over it unlike i have!!!! So is broooce's letter okay to send with my details obviously!!! And i keep reading not to sign it? i'll just print my name?

Hopefully they are terminating the account by doing what they are doing, but should i fire off broooooce's letter to put the account into dispute? and still pay off money towards the said debt or not? Thanks for your help!!!

Haven't got it in writing as yet that they are terminating the account, just the final demand for the entire amount plus charges, which people think is the same thing.. will continue to pay my paltry 50 pounds a month to them whilst this is going on or should i drop the amount! No wonder cccs were very keen to arrange this then, didn't realise they were getting paid by them figures really.... So should i send of that little letter you posted as is, and then take it from there? As they've treated me like cr@p i may as well try and throw a spanner in the works? Do i phone them or not? Oh and i'd better not sign it? or use altered signature?

Wish hsbc and mbna would understand that principal! but seriously which way should i go, i do value the opinions of the people on here! Dmp with cccs or try and get hsbc's written off? etc etc i know ultimately it's up to me but it's nice to have some people in my corner for a change..

And how did they take that little piece of information? Not well i gather? Have phoned them and offered reduced payments etc which they basically said no to bless em!!! CCCs have offered to help with settlement but no way all 4 card companies are going to let that go for 10yrs till it's paid? Or am i better off letting it go to court and still pay over 10yrs?

Hi there! Just a quick piece of advice please have had a final notice from my CC company and was wondering if you'd look over the DN and the final notice for me, have been told that the DN is invalid. And would like your opininon on them and advice on what to do next as their doing the usual threats by the 26th of this month etc!!! http://i980.photobucket.com/albums/ae289/tuvelpit69/tn.jpg http://i980.photobucket.com/albums/ae289/tuvelpit69/dn.jpg Thanks in advance for your help chaps!!!

Lol was only joking....As i've said i got into this mess myself and was happy to try and pay but the way hsbc dealt with me i thought okay then... or am i being stupid? As i've said i tried talking to them and they just will not listen so in two mnds which way to go with this (stressful eh!!) but you've been a great help thus far!!!

Many thanks will do that and ask him to take a look, funny my own bank have been twits with me, yet the ones i thought would be really bad mbna have thus far been okay, might get you to look at their dn as well lol

Your being a great help thanks do i pm vint1954 with the dn and final demand? And should i phone them at all or just find a letter template here and send it off? Bit worried as we have our mortgage with hsbc and a loan in my name that finishes in 6months, don't want them being funny beggers!! have paid off our overdraft and we are shifting our accounts to seperate banks so they can't touch our funds is this right? but my main concern was to protect my wife from any link to me which the overdraft was the only thing apart from mortgage (which is fully paid up.) cards and loans are in my name only.... they can't touch her can they?

messy in what way? and what do i need to about the dn and the final demand?

Hi! Am not trying to get out of this every time i have said to them i can only afford this amount they say no we can only accept x amount have only missed one payment and have been paying 50 to each of my cards... HSBC are just being the funny ones about it MBNA have put me on hardship etc and at the mom let me carry on paying the 50 pounds to them each month does that make sense? Just want to know what my options are? The CCCs have looked at my I&E and said i can only afford 210 per month but at that rate it''l take 10yrs to pay off all my cards! Which i know they won't accept!! Options please? And thanks for your help so far!!!

Sorry am trying to get my head around this! So what do i do now as they've said contact them before 26th april etc? for payment etc What do i do now! send a letter for the cca? Or the sar?