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MBNA Credit Card - Harrassment and Porkies


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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

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  • 2 weeks later...
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  • 2 weeks later...

Missy Allen

 

I sent you a PM

Steven

 

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  • 4 weeks later...

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

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Can you post the agreement here (personal details removed)

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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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)

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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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

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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

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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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

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 1 month later...

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

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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

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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