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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

headstrong

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Everything posted by headstrong

  1. headstrong
    Ok looking at my Noddle account now which i wish i'd heard of years ago, very clever. Anyway Moorgsate ( Bri Rec ) shows Default but no judgements.....as well as two accounts with Lloyds showing default.
  2. headstrong
    Ok today i have received a copy of the original loan agreement as requested from Moorgate loan servicing limited for and on behalf of Britannica Mortlake... Although this is actually over a credit card as i haven't had a loan from MBNA. Front cover is offering me to call and discuss. The 2nd sheet is a naff photo copy of me applying for a credit card and has my signature. The other 10 A4 sheets are credit agreement conditions. I have just signed up to Noddle and awaiting a pin. Still waiting on the SAR, just not sure of my next step.
  3. headstrong
    Yes CCA was sent to claimant. That being Britannica recoveries... I have no copies of my CRA files from Experian etc, i guess thats important yes? Thank you for your time DX
  4. headstrong
    just a quickie addition...Really am a fish out of water here...anyway when i sent the CCA request i sent it to Britanicca Recoveries S.A.R.L recorded delivery....was this correct? or should it have been MBNA? obviously MBNA have sold it onwards.. .but whose more likely to have the CCA or is that not my issue.. .Does not recieving the CCA make it unenforceable?
  5. headstrong
    Thank you DX100UK...Sorry for delay replying, my life is crazy atm.... Anyway i have sent the SAR to MBNA...Concerned this takes 40 days when i have the court hearing sooner even after extending to organise my defense... I have no idea ie, CRA file. Still haven't received anything regarding the CCA.. .there wasn't any PPI. The interesting thing is a lot of the letters i have received have mentioned a loan which i never had. Almost wish i just agreed to a payment plan and been done with the whole thing.. .and to boot just been told i am being made redundant after 17yrs in July, such is life....Not sure how that effects anything...
  6. headstrong
    Hello Honey Bee, thank you appreciate your common sense and help.
  7. headstrong
    Is there anyone out there able to help?
  8. headstrong
    Really need help with the next step. I have not recieved any response to the CCA request sent on the 16th April and i have to let the courts know what is happening as i can't build a defense. Its now been 16 days. Is there a letter template to help in this situation. Can someone please help?
  9. headstrong
    Quick update... CCA request sent to Britanicca Recoveries S.A.R.L recorded delivery. Should i also send a S.A.R? or do i wait until i have a response? Can you tell anything from the POC? It seems the deeper you look in to this the more confusing it gets...
  10. headstrong
    Thank you for for reply Steampowered... Particulars of Claim 1) A credit card agreement made between MBNA Europe bank Limited and the cardholder (D) 2) D accrued balance *5509.00 3) D defaulted on payments 4) C issued Format Demand requesting payment dated 14/03/2013 5) Amount now due from D *5509.00 That is all the POC says... Have sent of an AOS to the court this morning admiting nothing so i get some extra time to prepare a defence, although what that defence is i'm not sure. Not sure what a SAR is to be honest. And i don't think i had PPI unfortunately. I will do a CCA request this morning pronto. Who do i send the request to Mortlake, MBNA or Earlswood and Co Solicitors?
  11. headstrong
    Hi All I have received a claim form from Northampton ( CCBC ) 04 Apr 13 in respect of a credit card agreement between myself and the Claimant Britannica Recoveries S.A.R..L - Mortlake acting for MBNA with an accrued balance of £5509. although now £5819 including court and solicitor fees. I admit i have over the last few years run into financial difficulties because of divorce and been left with a lot of debt and a mortgage to cover. Depression followed this and my head went into the sand. During this time i read about not paying debt for a while so try and establish a full and final settlement. I wrote a letter explaining my situation and made a fair offer which they refused so i thought ok i will ignore them for a little longer, but now i am in this situation of court proceedings.. I am seriously worried as i do not want this CCJ against my name yet if i agree to paying so much a month from what i've read in the last few days this will happen. I have no recent statements regarding this debt, but have thought of applying for some although I'm concerned about time. I have read loads on this site yet i am so at a loss as what to do to prevent this CCJ, is requesting a CPR31.14 a viable route or should i just accept my fate?
  12. headstrong
    Hi... Could you please give me the latest address to post my Sar to and what name is used for the cheque? Have trawled around for ages and can't find this info... Thankyou...
  13. headstrong
    Hi All. I'm in the process of applying for my statements of the last 6 yrs. Could Someone please give me the correct address? Thanks in advance Kind Regards Jay

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