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About laidy_ma

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  1. Thank you Bazooka Boo. Credit Card-HSBC Bank, currently with Cabot/ Marlin Account Start Date: 01/2007 Opening balance:£2700 Default balance: £2700 Date of default: 06/2010 I think this probably was an online application... I will ignore them. Do you suggest to again request CCA or best keep quite and see if they will contact me ever again.
  2. Thank you brassnecked, I never stopped paying them but I have been paying only £1 every month (to Marlin via their website) for the last 3-4 years. In the last 3-4 years I only have received one phone call more than a year ago and they were checking if I can pay more I said NO and they were fine.
  3. Hi, I have been paying Marlin Financial Services £1 every month for years... I know they are under Cabot but I still was opening the Marlin website and paying through the Marlin website page every month by stating my ref number. Today when I tried to open the Marlin page it does not exist - it sends me straight to the Cabot page and nowhere Marlin has been mentioned and when trying to pay the £1 it does not want to accept it as they can't recognise my ref number.. .it does say: the details provided do not match an account. They have my address and mobile p
  4. Thanks DX, I will upload the whole info into one pdf document - will try to do that asap (by the end of the week). Ex boyfriend name mentioned at least couple of times on their comments sheet including his e-mail address but I guess he had another card number and the CCA is all about my card. .. all look very confusing. I will ignore the 'litigation' letter for now...
  5. hello again, Advice will be highly appreciated about the following. As suggested I sent SAR to MBNA- I received the SAR back. The bank transactions match what PRA sent me in their CCA. Please see #30. I have also received the card agreement no signature (2006). Including in the SAR about 20-30 pages of communication between the bank and myself and effort on their side to FIND me by talking to my former employer (where I was a nanny before getting ill and going to hospital with cancer diagnose): most of the notes are some sort of codes which I don't understan
  6. Thank you angry cat. I called 'idiots' the MBNA people I spoke to. I called them twice and twice asked them for the address and explained to them why I need it and they kept me on hold and asked supervisors etc... I even mentioned the address with 9QQ post code and they still gave me the address with the PO Box. I even asked them 'Are you sure?'...and they said 'yes' lol Once I receive any response I will update you.
  7. I did already and I used CH4 9WW. I sent it recorded...The idiots from MBNA over the phone told me to use the address with the PO Box. It has been received and signed by them already so hopefully it will get to the correct department. it seems all departments are situated in the same building anyway. I gave them 10 days to write to me if there is a problem...I will let you know from what address/post code they have responded to me.
  8. I received it today- will need sometime to read the documents. They have put Mr instead of Miss in the letter and on the envelope for some reason. I am a female and my name can only be female name- anywhere else in the docs I am Miss but the idiot who wrote the letter and on the envelope have put Mr.
  9. Perfect, thanks I have it already on my desktop - I sent one to Barclays in January. I will double check though just to make sure there are not any changes from January. I am still not paying anything to Pra... I will keep you updated. Thank you again.
  10. Hi, I sent SAR on 07/01/16 to Baclays. On the 05/02/16 I received a reply from them returning my orginal letter and postal order telling me that they require a cheque or postal order Named to Barclays Plc. I sent what they requested and I have a proof of delivery that they have received it on 09/02/16. I also followed the suggestion be slick132 and told them that it was not really necessary for them to return the postal order in first place so the time counts from the time they received my original letter in January. I have not got any news from them and it has been now 4
  11. I called MBNA to confirm card numbers and it seems that in this balance sheet attached in #30 they have mentioned two completely different credit cards- no idea how this has happened but there is something wrong... the first two card numbers mentioned in the balance sheet belong to MBNA Platinum Plus Master Card and the last 4-5 lines of the balance sheet shows a third card number finishing on 39. This is MBNA Europe Master Card...Are not these completely different? First I spoke to a woman and she was telling me that I use to have 2 different credit cards with them , s
  12. I contacted MBNA to ask them for the SAR address and they provided me with this one: MBNA Limited P.O. Box 1004 Chester Business Park Wrexham Road Chester CH4 9WW So not quite sure which is the perfect address to SAR them...
  13. Thank you both. I wonder which post code is the correct one CH4 9QQ or CH4 9WW... Any thoughts anyone about this: Also another question regarding MBNA SAR, Can I sign the SAR with a 'new' signature (different than my usual one) so I protect myself regarding them using my signature to insert the signature to my original credit card agreement (2006) as currently when I requested CCA regarding this card they (collection agency) did not provide me with a signed copy of a card agreement. I don't think I have ever signed anything with them so I guess this will not make any difference only a ch
  14. Skanker, I am also going to send SAR to MBNA. Did you find out which address is the correct one please? Also another question regarding MBNA SAR, Can I sign the SAR with a 'new' signature (different than my usual one) so I protect myself regarding them using my signature to insert the signature to my original credit card agreement as currently when I requested CCA regarding this card they did not provide me with a signed copy of the card agreement.
  15. Thank you DX . I will definitely be sending SAR to MBNA next week. I will come back soon. No need to start paying PRA right? Thank you again.
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