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Old Credit card Agreements


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I currently have a CCA request going against Natwest/Newmans which has 6 days to run, until the 30 are up. Arrrrrrrrrrrrrrrrrgh!

 

Of my creditors, I started on them as the DCA got up my nose, however the others were all signed up a long time ago. I remember seeing a post (Tomterm8 I think) some time ago saying 5+ year old Barclaycard Ags had a problem, does anyone have any ideas on these:

 

MBNA - 1998

 

GM Card (HFC) - 1998

 

Amex - 2000?

 

Cap 1 - 2001

 

Any help would be appreciated and it will give me something to do occupy my mind!!

 

Regards

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MBNA and Capital One have non-existent archives I was delighted to discover;)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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My thinking is to go after MBNA first as 1) Its a big debt, 2) its so old and from what I'm hearing on this site, their admin is no good. Suprises me slightly as they are very aggressive on default. (He who shouts the loudest is probably going to get paid 1st, if anyone is.)

 

Think they may well be up next.

 

Regards

 

David

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Would agree with your theory Cashins. MBNA were horrible to me - they even rang my neighbours:mad:. My theory is he who shouts the loudest hasn't got an enforceable CCA.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I currently have a CCA request going against NatWest/Newmans which has 6 days to run, until the 30 are up. Arrrrrrrrrrrrrrrrrgh!

 

Of my creditors, I started on them as the DCA got up my nose, however the others were all signed up a long time ago. I remember seeing a post (Tomterm8 I think) some time ago saying 5+ year old Barclaycard Ags had a problem, does anyone have any ideas on these:

 

MBNA - 1998

 

GM Card (HFC) - 1998

 

Amex - 2000?

 

Cap 1 - 2001

 

Any help would be appreciated and it will give me something to do occupy my mind!!

 

Regards

 

 

All 4 in the years quoted tend to be unenforceable..................

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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My neighbours on either side got written to by a DCA to ask if I still lived next door – needless to say, they just gave me the letters they got;)

 

I must admit, we don’t really speak much to our neighbours but I thought that was rather nice of them to just pass the letters on.

 

What was annoying at the time was the fact that because they had been written to, they knew that I was having money problems:mad:

 

Hmmm, that reminds me, ODC has a rather interesting story ...somewhere :D

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I used to live at 125/127 and got a letter addressed to 125 asking about the residents of 127:D.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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On the thread starter I asked what were the chances of certain c/c companies, 1) Being able to come up with an agreement that is enforceable, 2) Being able to come up with ANY agreement.

 

The general consensus was, not very likely.

 

The dates of the start of the various accounts were a bit of a guesstimate. However, I had the idea of sending a credit file request to a CRA, so I could find out first without hitting the companies head on (ie a CCA)

 

Bingo, the actual start dates are:

 

HFC - 02/07/95

 

MBNA - 22/08/97

 

AMEX - 06/10/99

 

CAP 1 - 31/03/99

 

Don't fancy HFC's chances!!

 

David

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