equidebt/mbna

[charliechico]

hi just joined this site,amazing,i have a defaulted £15000,debt with mbna.equidebt took the debt in june i paid a one of payment of £1515.15.and have made 3 payments of £283{which was the original repayment ammount}but now i have been reading these threads im wondering if im doing the right thing?could someome whos clued up please inform me as i havent got a clue what to do .thanks oh i got the loan in 2006 £15000

[berrylover]

Woah, how much have you paid in total?

[berrylover]

Ok, send them a CCA request, goes like this....

 

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY.

Re:

Dear Sir,

With reference to the account above I would be grateful if you could send me a copy of the signed credit agreement.

I understand that under the Consumer Credit Act 1974 (sections 77-79); I am entitled to receive a copy of the credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand that a copy of the credit agreement should be received within 12 working days.

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

I look forward to hearing from you.

 

 

 

DO NOT SIGN IT, send a postal order for £1 (a cheque has a signiture on it) and send it recorded delivery. They have 12+2 working days to get a signed, executed CCA to you or they are in default and you do not have to pay another penny until they come up with the signed paperwork. They may send you an application form or something, so post anything you get back up here with your details blanked out and someone will take a look at it and see if it meets the criteria.

[charliechico]

thanks berrylover,ive paid over 2grand to equidebt,and i paid the loan for a year before i got in trouble!!!

[charliechico]

received a letter today from equidebt,saying they had my request and were waiting on my credit agreement from mbna....

[psmith64]

received a letter today from equidebt,saying they had my request and were waiting on my credit agreement from mbna....

 

I must admit that Equidebt have left me alone for nearly two months after receiving a similar letter when I CCA's them about a Co-Op debt.

 

Thank God you are not dealing with HFO in this matter, by now you would have had every threat under the Sun.