Thanks m8 that clears that up for me, one 18k mbna, plus 6k A&L both have failed to provide cca and owe me thousands in ppi, await subject a r from both, i will post any ccas I receive for advice Again many thanks boo for clearing that up

thanks Bazooka Boo, your advise is always appreciated, do you know how long from you stop paying an cc account before court, still waiting on ccas and only stopped paying 2 cards this month, putting 2 accounts in dispute onn monday, just looking for rough timescales if possible Boo:confused:

Thanks again Alfwithhair, I will do this, just need to know how quick they can get byou to coart if they are going to do that after the last payment can anybody give me a rough guide, it would begreatly appreciated i salute your attitude alfwithhair, well done and keep going:)

thenks for the replies, the reason i ask is because i do own my house and other assets(which im selling) work turned from good to really grim in a matter of 2 months,i was going to write to all my credit cards asking for a reduced payment plan ,around £40 per month untill things get better , if they ever do , I still await cca copies from all of the cards where 3 are now overdue, I am concerned that if i stopped paying them all they would obtain a charging order here in scotland in a matter of months as i dont know the timescale for court from when you stop paying them , my thoughts were if i offer and pay a minimum token amount im trying to ressolve as best as i can and if it went to court quick the judge would see that i at least tried (but maybe if there is no cca and the account is in dispute thats not the way to go), i was mis-sold PPI and have subject accesss requested 3 cards so this amount i hope would reduce the balances, can anyone advise how to go about in writing asking them to freeeze intrest and cherges for 6 months then a review ? or am i being stupid even asking them this ? Any help would be greatly appreciated as i want to start sorting it out before they get ugly ,forearmed is best i think many thanks to all

sharmar, when did you stop paying mbna, jst trying to get an idea of time from payment stop to court action, prob being going down the same road as you?

Cheers angry cat, is there a tenplate letter anywhere and adresses of OFT and Consumer Direct, Sorry Still LEARNING

citi card credited my £1 to my card account, is this normal ?Still no cca though

hi there, great thread,just aboot to go down the same line with mbna for a 16k debt on one card and a 5k debt on another card, so is it true they will get a charging order on property if its un-inforcable ? also how long from you stopped paying them till todate ? just so i can get a timescale on the doom Keep up the good work alfwithhair

cheers maroondevo, dosnt look good to challenge mbna then ?Has anyone beat them?

Yo folks, have a friend who before i heard of the CAG applied to credditclear uk , one of them companies who are suppost to do miricles, Anyway they say they have his mbna cca after 3 weeks waiting (sounds sh,,,,), Ive advised him to join up here and do it himself as mbna are not usualy on the ball with cca,s . Just wondering has anyone heard of them as i personally think these companies work with the banks ?:eek:

had the same problem and had to sell the car private and pay the 4k shortfall, I was told on the site this was the only way out of it, they will just sue you for the shortfall as finance companies are not in business in selling cars , especially unregulated agreements ,and mine was december 2006 agreement Hope you find a way out and sorry to here about business

hi there , so to get this right, no cca, invalid default notice , and the judge said :so what, Surley this is wrong? where does that leave us all ?

thanks again cerberusalert, have sent all the ccas to 6 cards, two of the cards time is up, sent letter for account in dispute and will with hold payments and get ready to receive all the threats and letters, I will update when i receive anything

Ive had the same waffle sent to me, in dispute letter going out on monday

thanks again Cerberusalert thats great, i will put it into dispute on monday , and then start with the other card Goldfish which owes me mis sold ppi and again have sent no cca , just terms and conditions and they say thats them fulfilled there legal requirement, can i put this in dispute as well ? feeling better already !! all my cards are pre 2007 around the early to mid nineties another two cards charged PPI and i think over the top charges amounting to thousands So is this the right way ??? 1)CCA request 2)Letter in dispute, 3)Subject access request, 4)Truecall machine And wait ,,lol ? has anyone heard of cc assett management ????

thanks again , will put it into dispute and wait till they do what they are suppost to, thanks

thanks cerberusalert,will do, Can you clear this up for me, what should i pay them monthly when i send the in dispute letter? kind of confused about it, am i right in saying that the law is on my side to send them a token payment much less than the minimum monthly payment untill they send me the correct cca? Your help is appreciated

CCa request sent to Citi card, No response and 14 days are up, Got a letter today from the saying they are transfering some of there accounts to cc asset management and mine is one, Is this related to the cca request? and should i put the account into dispute now? Hope someone can advise me as dont know what to do now The letter also states that if passed on cc asset management have the right to make changes to the related customer credit agreement, but they dont seem to be sending me a copy, need some help on this please

hi stewpot, How did you get to pay them only £1 per month? Ive got 20K debt with mbna , was mis sold ppi with them and min payment 500 per month at present, cca,d them no reply, what next to get to your position ?

Hi all, ive had the same problem with goldfish, they sent me terms and conditions instead of a cca, do i pay them anything when i send in a account in dispute letter or is the law on my side to send them nill ?

Just an update, They sent me terms and conditions this morning butno credit agreement, what should i do next, anybody help ?

ok alf, al give them the full 14 days and the account in dispute letter with subject access request, as i was missold ppi from them as well (im self employed) there so profesional and clever Thanks alfwithhair

thanks alf,the account is prob before 1997 as its a old golfish card, can they still default you if you are legally withholding payment after they have broke the rules? how long does it take to issue a default? Many thanks alfwithhair

Hi All, Requested a cca from the above and received a letter today showing my current balance and available credit, they also stated the cca would follow under seperate cover, then it goes on to say that CPR rules do not intitle them to issue the cca before proceedings start ? They also state that under no surcimstances should payment be stopped or they will inform me and issue a default and i should pay as per my terms of my credit agreement, it says that a party may apply to the court for a pre action disclosure in very limited circumstances which do not apply in this case, They also say that there is no formal obligation for them to provide documentation to validation of debt correspondance They also stste the outstanding sums is legallydue and payable Is this a standard letter or jst b---l Please help, what next

cheers scot, many thanks