CL Finance/Cohen Claimform - MBNA [ryanair] Credit Card debt **WON**

[Gazza112]

Hi CitizenB

 

Received a CCA back from MBNA today can you take a look a see if its ok.

These are all that i signed on the day, they have also sent me a few pages of the Agreement and terms and conditions.

These are how they where sent out to me, i've only taken out my personal details on the form.

 

 

 

 

 

 

Gaz

Edited April 29, 2009 by Gazza112

[citizenB]

To be honest, I wouldnt know if this was correct or not.. however. There is a date stamp 14-02-03 at the very top above "Ryan Air Application" but below the heading "Credit Agreement regulated by.. ". However, am I correct in believing this was taken out in 2002 ?.

 

Hopefully, robcag or someone else will pop in and have a look for you.

 

 

I have put a link on the following thread, hopefully someone will pop in and give you some advice. http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-643.html#post1738310

Edited September 30, 2008 by citizenB

[Gazza112]

Hi CitizenB

 

Yes, that what i was thinking about the form.

Ok i'll wait till robcag comes alone.

I've also sent today, that Template letter saying they are in default oh well never mind lol.

 

Gaz

[Chalkitup]

Hello Gazza112,

 

These types of agreements have surfaced before...

 

Take a look here ... http://www.consumeractiongroup.co.uk/forum/mbna/156409-lexis200-mbna-just-starting.html

 

Post 29 onwards.

 

I am looking into this type of MBNA agreement at present ... re the left hand column which includes all the prescribed terms on the others I have seen so far.

 

Regarding the small "agreement" you signed .... the top part is completely missing .... i.e. the small scissors icon is just visible ..... so as has happened in the past on CAG .... how do you know what you have agreed to?

 

Onwards and Upwards

 

Chalkitup

[Gazza112]

Hi Chalkitup

 

Thanks for coming to my thread.

Long story i have a MBNA account and an Abbey account. But i've been going through the papers and they've sent me one lot of terms & conditions and one Application form. But this is where it gets tricky they sent me a Abbey Statement with these papers. Making me think that the signed agreement was for the Abbey card and the Application as you can see is for MBNA.

What do you think, i can scan all the papers that was sent to me in the order they came in if you like.

 

Gaz

[robcag]

Hi Chalkitup

 

 

These types of agreements have surfaced before...

 

Take a look here ... http://www.consumeractiongroup.co.uk/forum/mbna/156409-lexis200-mbna-just-starting.html

 

Post 29 onwards.

 

I am looking into this type of MBNA agreement at present ... re the left hand column which includes all the prescribed terms on the others I have seen so far.

 

 

Interesting....

 

I hadn't read that thread but strangely I came to a similar conclusion to you regarding the T&Cs down the left-hand side of the page, and the odd alignment of the reference numbers etc. in another thread a few days ago by stupot59. His broadly similar agreement can be seen here (post #3) http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/158767-cca-link-mbna.html#post1699095 and my comments were at post #7.

 

Something I have noticed about all 3 of the agreements I have now seen is that there is a similar set of seemingly hand-written initials at the top left-hand corner.

 

Also, the left-hand T&Cs column varies in height between the 3 agreements in question.

 

Another thing, on Gazzas agreement, I wonder if there is any significance to the word '(Test)' in the form reference number?

 

Cheers

Rob

Edited September 30, 2008 by robcag
spelling

[Gazza112]

Hi robcag

 

Thanks for looking at this for me, looking at this more clearly they've incorpurated two accounts into one CCA requiest. Thats why i was a bit confused about the two different dates. What i'll do is scan every page that they sent me in the order they came. So you can see what i'm talking about.

 

Gaz

[Chalkitup]

Hello robcag,

 

Yes I agree with the things you say.

 

I have a collection of these agreements with the T&Cs left hand column on my computer now .... some Caggers have sent me a copy direct so I can get a clear image.

I have magnified them up and printed them out (plus the reverse if they had anything on) and I have my suspicions about them.

 

I also have one from 01/02/02 and surprise .... no left hand column .... and the ref numbers are as one would suspect right to each side of the page. (AFMD01 is the ref).

Also have a Feb 2000 .... no left column ...... but been stamped (bottom right!!) with the same MBNA signature as you mentioned above (top left on most docs) ...... when magnified the signatures I have here are all exactly the same ..... hence a stamp.

 

I have posted on Stupots thread as I am interested to see what is on the reverse of his agreement.

 

GAZZA .... On your agreement ... in the right hand side box that you filled out does it say anything about reading condition 11 in the terms and conditions provided?

 

Onwards and Upwards

 

Chalkitup

Edited September 30, 2008 by Chalkitup

[Gazza112]

Hi Chalkitup

 

I'll have a look, i've just scanned all the papers that came to me i'll get them downloaded so you can see what they sent. But i think your laugh when you see what they sent through to me.

Give me half an hour and i'll get them up for you to see.

 

Gaz

[Gazza112]

Right here's the paperwork that came from MBNA in the exact order i received them in.

 

 

 

 

 

 

 

 

 

 

Part 1

 

Gaz

[Gazza112]

Bump!

[Gazza112]

Hi

 

I asked for a CCA from MBNA and they replied with the following paperwork, i must also stress i also have a Abbey Credit Card as well.

This is the Paperwork in the corect order as it was sent to me.

Are these inforceable or just made up.

 

 

 

 

 

 

 

 

 

 

 

Gaz

 

 

Part 1

Edited March 29, 2009 by Gazza112

[TETSUO]

Yours looks a bit like mine...am still waiting for help really, as not sure if it is enforceable or not... It might be a bit too small to read though (the quality of mine was equally poop!

 

http://www.consumeractiongroup.co.uk/forum/mbna/157448-settlement-offer-confusion.html

 

Good luck though.

[sytra]

IMO the 2 CCA's received dont comply, the Ts & Cs are the most recent and NOT from when the accounts were opened, they clearly state that charges are £12, without the original Ts&cs you dont know what you signed up for.

 

Im sure someone with a lot more experience than will me will be able to clarify this though.

 

Sytra

[Gazza112]

Hi Sytra

 

Thanks for coming to my thread, yes it does look like they've taken a few papers and thrown them all together and hoping for the best.

 

Gaz

[Gazza112]

Hi Tetsuo

 

Thanks for coming to my thread, yes considering i sent a £1 each to require two CCA reports back. Then ended up with one can't be bad, i only with i could of had one that was complete and not one that's made up.

 

Gaz

[Gazza112]

Bump!!

[Gazza112]

Bump!!

[Gazza112]

Any surgestions what my next move should be with this CCA.

 

Thanks

 

Gaz

[Gazza112]

Hi

 

Is there any template letters i could use to send back to MBNA about the CCA they sent out to me.

 

Thanks

 

Gaz

[TETSUO]

you might get a better response if u move your thread to the debt forum..that's where they moved me

[Gazza112]

Ok, silly question how do i do that

[Chalkitup]

Hello Gazza,

 

The first agreement with the T&Cs on the left will probably comply but it is a poor copy and difficult to read. But all others like that have been enforceable ...... unless the left hand column was added at a later date!!!!

 

As already pointed out the T&Cs sent are up to date and not those in use at the time of signing.

 

The small signed piece of paper means nothing really!!

 

Onwards and Upwards

 

Chalkitup

[Gazza112]

Hi Chalkitup

 

Thanks for the info, so all in all they never sent me the agreement for the Abbey card just the MBNA account.

 

Gaz

[citizenB]

Hmm, well you now have proof that what they have sent you is incorrect. However, I wouldnt be inclined to let the other side know that.

 

I am not sure what else to advise you. Have a word with CIU.