MBNA, Debt Clear Recoveries and Investigations and Restons

[Bazooka Boo]

If you send them a CCA request, and they then issue you with a reconstitued version, they will still have to produce the original in court, with your signature on it, if due to the DJ lottery he then finds in favour of the bank or who ever, you should appeal, I fear that as the cases whereby the judge has ruled in favour of the creditor on reconstitued CCA's, he has asked the defendant if they had use of the credit facilities, as soon as they agree, it is game over.

[Tingy]

If you send them a CCA request, and they then issue you with a reconstitued version, they will still have to produce the original in court, with your signature on it, if due to the DJ lottery he then finds in favour of the bank or who ever, you should appeal, I fear that as the cases whereby the judge has ruled in favour of the creditor on reconstitued CCA's, he has asked the defendant if they had use of the credit facilities, as soon as they agree, it is game over.

 

Very good point BB, never thought of it like that.

[Bazooka Boo]

Thats the only assumption I can think the DJ has come up with in siding with the creditor, I think I did read a similar version of events on here a while back, where the alleged debtor was asked by the DJ if they had ever had credit from a certain company, when they admitted they had, he saw in creditors favour...

[interweb]

Thats the only assumption I can think the DJ has come up with in siding with the creditor, I think I did read a similar version of events on here a while back, where the alleged debtor was asked by the DJ if they had ever had credit from a certain company, when they admitted they had, he saw in creditors favour...

 

Hi

 

So basically if anyone is asked that question the bank wins. So what is the point of having a Consumer Credit Act and all its clauses??

 

Regards

[bdcarr]

I think you may find that generally its not the banks taking us to court, its the DCA's and they dont really care about the outcome. If it was that easy, the Banks would do it themselves and save a fortune.

 

Surely with all credit agreements, you have to provide AML (anti money lau as part of the banks requirements. If it was that straight forward, would they not produce this documentation. Thats not easily forged and therefore reflects a huge gapping hole in money laundering requirements.

[victoria_siempre]

Hi all

 

bdcarr makes a good point.

 

Our policy aim is to outlaw the selling of alleged debts to DCAs, and this is entirely consistent with upcoming EU regulations.

 

Meanwhile CCA is a useful tactic in ongoing letter ping-pong diplomacy.

 

We'll get there.

 

Onward and upwards.

 

vic