Its stored in my fireproof safe

Hi, Just a belated update, apologies for delay, i have been ill. I got Halifax to send the SAR to a local branch! I also CCA'd Lowells who had to ask HBOS for the document, who surprise, surprise could not find it due to time lapse issues. Lowells said they would do nothing unless HBOS eventually came up with the CCA. Yesterday I got a letter from Lowells saying for commercial reasons and as an act of good will they have written off the debt and I will not hear from them again! CAG thank you.

Hi, I have spent a fair while searching the forums for this, but cannot find a similar problem, so here goes.. I am being chased by Lowells for a cc debt with HBOS unpaid from 2009, it seems to have just been taken over. I recently sent a SAR to HBOS with my signiature on the anti tamper signature image I found on here. I have finally have[ATTACH=CONFIG]45409[/ATTACH] a reply acknowledging my request and the fee, but within the letter it states 'Unfortunately we are unable to verify your signature' and that I need to call them, which of course I have no intention of doing so. My SAR and the reply are attached, with all the personal information removed. How can I reply to this, and does this then constitute being in dispute? Many thanks in advance.

Hi Meebroke, I think I will start a new thread to see how much interest I can raise for the people vs MBNA Simon

Actually I think it is about time MBNA were reminded that they are not above the law and that Chester TS should get its act together and act in the best interests of the consumer. I am gonna start a mass torte against these people if I can raise enough interest. Contact me if you are. Simon

Just a quick update.. I have received my final letter(s)... there seem to be so many final ones!.. so I thought I would phone them as they have never answered a single letter of mine. I got through to Miriam after a particularly hostile telephone op answered first and I asked why mbna never answer letters.. apparently they are a telephone bank and therefore do not do adult grown up writing. So I asked about my SAR from the 12th Feb and she said 'we never received that...' a quick mention of the proof of delivery I have sitting in front of me and she decided it wasn't worth persuing the conversation and put the phone down!!!!... so I am being sold on, on the 31st march, assuming they can find someone who wants to buy a toxic debt!!! Simon

Hi Guys, I am new to this site, but must say it is excellent. I have been having issues with MBNA since last august. I naively phoned them to say i was having issues with managing payments since becoming ill and unemployed. they were helpful on the first call, but then you would have thought the gates of hell had opened. constant very abusive threatening calls, postcards, letters from their various bloodsuckers. I stopped answering them, followed the national debtline advice and sent standard letters, with a budget sheet offering a token payment (which the halifax accepted). They have never answered a single letter directly, always sent a standard you must call us to resolve. I have sent the stop calling me or I will report you etc letter, and still they send the you must call us letter. I also get the texts. I have cancelled every phone number they have on record. The other day I got a letter from them saying they have been trying to help me for the last six months!!! I requested a SAR which is due by the 23rd of march, but I am not hopeful of getting it back. I have sent them copies of all my letters today asking them to actually reply... we shall see.. I also got the charging order letter again today.. that seems to be a monthly occurence. In my case this will have to go as far as they take it because I literally no longer have a penny to my name...