hi ftm thanks for your interest i will look for the notice and post it up. Had a threatogram today from moorcroft

been a bit quiet for a while but had this 1 today any ideas???

Think i will send them this Dear Sir or Madam, Account number: I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with RBS and has been since 3rd March 2009 Not only is this in breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974, the Data Protection Act 1998 and the CPUTR 2008. As RBS are now in default of my Consumer Credit Act request, OFT Collection Guidelines have been breached, I consider this account to be in SERIOUS DISPUTE. As you are aware while my Consumer Credit Act request remains in default, enforcement action is NOT permitted; under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Now I would respectfully suggest that this account is returned to RBS for resolution of these defaults and breaches, as RBS cannot lawfully pursue any enforcement activities. If RBS chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines. I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully,

Thanks cerberusalert I think it came 1st class but not 100% sure. They use their own postage contractor and i ripped the corner off the envelope with the date on and now cant find it. Does it make a difference that they are demanding full amount?

They like to Keep it in the family and all that eh! lol

Hi guys Its been a bit quiet recently but today i got this Shall i send a bemused letter???

Hi Alan The t&c pages are as they sent them to me there was no reference number on them..

Yeah the very same illegible worthless piece of paper!

Had this today

Its all been very quiet from mbna lately. But today i woke up to find a default notice It looks ok to me but could 1 of the experts take a glance at it please?

subbing

Thanks ex I will search it now. Ps to get a link just cut and paste from your browser

Hi tpm I have a similar cca to yours. If you check out my link you maybe able to pick out some pointers that i have had from the team on here.... Good luck http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182489-please-check-out-my.html

Hi Gd Welcome to the monument club. I have similar cca to yourself and have been dealing with monument for a few months... Heres a link ya might find it helpful.. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182489-please-check-out-my.html

Hi spartathisis My lips are well and truly sealed about the dn I am just gonna sit back and wait to see what they throw at me next time. Good luck with your case i will drop by and see how your getting on.. Have a good weekend.

Thanks cerberusalert You have been a great help. I can start the weekend with a smile now.

Mmmm? Can anybody with a bit of experience with dn shed some light????

Ah thank you Exchange.. I didnt know that i thought they just had to give you enough time..

Thanks cerberusalert.. Thought it was. Well thats another point for me...

Found this filed away in my monument draw. I do believe it could be incorrect! But not 100% sure, can anybody have a look over it please?

I have found my dn it lokks ok but im not an expert can somebody give me a 2nd opinun please?

Thanks for your support guys ( :

Mbna really do go all out to bamboozle you into paying... Well Im going to write to them today an kindly ask them to stop calling and tell them that they must only contact me by letter they are getting annoying now!

Lol it was a picture of a lilly pad in a pond.... And its from a guy called Noel Daly I called the number to see who would answer A lady answered saying "can i have your credit card number" so i put the phone down..

Here we go ive cut and pasted it... faza Basic Account Customer Join Date : May 2009 Posts: 0