MBNA Credit Card - Harrassment and Porkies

[Missy Allen]

The card was taken out on August 2003 and the charges actually state £20 so I gather this will be the correct T&C's unless someone else can tell me that they were £25 on their T&C's.

 

I will take your advice and just wait for Cabot to make the first move.

 

Thanks

[Missy Allen]

Well I have more news - Cabot have got back to me and are making enquiries with MBNA regarding the outstanding amount and the account number. So I am sitting tight.

 

Missy Allen

[steven4064]

Missy Allen

 

I sent you a PM

[Missy Allen]

I have today received a letter from Cabot Financial still stating the wrong account number and it just states that they have acquired the original credit agreement from MBNA and have enclosed a copy for me. There is no account number on the credit agreement and they have not issued a default notice yet. What should I do now?

 

Missy Allen

[steven4064]

Can you post the agreement here (personal details removed)

[Missy Allen]

Edited November 24, 2008 by Missy Allen

[Missy Allen]

http://i461.photobucket.com/albums/qq331/bernadetteallen/scan0006.jpg

[steven4064]

THe agreement seems to be properly executed (and therefore enforceable). The only question would be if the two pages are not part of the same document. However, the dates on the 2 sides appear to tie up and the punch holes indicate that the copies were filed together. Having said that, the punch holes also indicate that this is not an original that has been copied but is a copy of a copy. (If it were an original the punch holes would be on opposite sides)

[Missy Allen]

Hi Steven

 

The punch holes were actually made by myself when I filed it. What is my best course of action now? Cabot Financial are still sending letters containing the wrong account number.

 

Missy Allen

[Fred Bassett]

They used a Barclaycard as ID???!!!! Amazing. There are still enough details on here to identify you - like the barcode and the date you took it out.

 

Regards.

 

Fred

[Missy Allen]

I have removed the links to the agreement - sorry I didn't realise.

[Fred Bassett]

I have removed the links to the agreement - sorry I didn't realise.

 

Hi Missy Allen, you can blank them over in photobucket and repost them. Huggy did a video tutorial on how to do this, it's quite straightforward: http://www.consumeractiongroup.co.uk/forum/bear-garden/165941-photobucket-video-tutorial.html

 

Regards.

 

Fred

[Missy Allen]

I have received a further letter from Caob stating that I have to get back to them within 14 days.

 

I have double checked and MBNA sent a Default Notice in July 2008 and this states the correct credit card account number, however, Cabot Financial are still quoting an incorrect account number.

 

Should I ask Cabot Financial to confirm that the T&C's are the original T&C's at the time of signing the agreement as I presume once this has been clarified it will be pretty obvious whether the agreement is enforceable or not.

 

Thanks

[Fred Bassett]

I have received a further letter from Caob stating that I have to get back to them within 14 days.

 

I have double checked and MBNA sent a Default Notice in July 2008 and this states the correct credit card account number, however, Cabot Financial are still quoting an incorrect account number.

 

Should I ask Cabot Financial to confirm that the T&C's are the original T&C's at the time of signing the agreement as I presume once this has been clarified it will be pretty obvious whether the agreement is enforceable or not.

 

Thanks

 

Hi Missy Allen,

 

Any chance you could scan up the default notice?

 

Regards.

 

Fred

[Missy Allen]

Fred

 

My apologies I do not have a default notice only letters threatening to register a default but I do not actually have a Default Notice.

 

Missy