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missjam

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About missjam

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  1. Thanks for your response ericsbrother which I've only just seen. Your additional opinion is appreciated. I've received a further letter. Continue to ignore? Brodies Letter 09-02-17.pdf
  2. So at this stage I've now not met their deadline to get in touch. I'm wondering if I ought to be sending something about the CCA being incomplete? Or do I sit tight and wait for their next move?
  3. It looks like the most recent of the statements provides the "Statement of Account". I've attached the letter and statement. Brodies Letter and Statement.pdf
  4. They sent me a pile of statements for 2011-12. I assume a statement of account would be something different? In which case no.
  5. PPI was my first thought too having looked at the statements I have I wasn't paying it. I found one very old statement from 2002 (I think! will check when I get home this evening) that also didn't have a PPI payment on it, I assume I cancelled it. The job I was in when I applied for this card didn't last long and I became a student a month later so I possibly cancelled it. There is no page 3 of the application.
  6. Yes I am still at the same address in Scotland as I was at in 1999
  7. Here's my summarised situation. I'd like any advice on how I should proceed now. Took out a Credit Card with MBNA in 1999 Through their unscrupulous lending, my own stupidity & intermittent mental health issues, I ran up a debt that I couldn't pay off I started to have problems meeting my minimum monthly payments in 2010, and requested a temporary interest freeze when it got really bad (thought this was 2011, but now realise it was probably 2012... further explanation below) to help me to sort our my finances. This request was ignored. After sever
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