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MBNAed

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About MBNAed

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  1. Dear Caggers I have received Optima's reply to my defence and could do with a little advice on a number of points: 1. Do I have a right to reply to their arguments against my defence? 2. They are stating MBNA sent the default notice by first class. Unfortunately, i didn't keep the envelope. Does anyone know who MBNA use for their postal service? And whether it is considered first or second class? 3. Regardless of the default notice date issue, they are stating that a court would find in favour of the plaintiff, referencing AMEX vs Brandon, where the judge stated: "The fact that the
  2. Hi all. Thanks in advance to all who read and offer advice. After just a few hours on this forum, it seems we are not alone. I will try to be brief at to the details but I have today received CCJ Claim Form from Northampton Court, from MBNA via Optima Legal. This MBNA card dates back only to 2008, so I understand my options are limited. However, the defualt notice seems to fall short for the rectification date (DN dated 09/04/2010, received 13/04/2010, MBNA rectification date 26/04/2010, 13 days?) and also mentions the paragraph 8, which is not on my agreement. Furthermore, I hav
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