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    • Well done topic title updated. Please consider making a donation if not already.   Andy
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website.  select respond to a claim and select the start AOS box..  then using the details required from the claimform . defend all leave jurisdiction unticked you might as well file our SB defence at the same time. 1 The Claimant's claim was issued on dd/mm/yyyy.  2.The date last payment made was the dd/mm/yyyy   3.The Default Notice was issued dd/mm/yyyy and served several months after the initial breach thus the cause of action delayed by X months and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.  4.Therefore the Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any true cause of action for breach accrued for the benefit of the Claimant.  5.The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.    
    • Thanks now refer back to my link first task is to acknowledge service of claim...all the instructions are provided in my link above and must be completed by Tues 25th June 16.00...also see instruction re sending a CCA and CPR request in the same link. 
    • Guys, i just got a reponse back from BP. Result.   Thank you, everyone, for your advice and help on this; case closed.
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Mbna 'agreement' - now threat of legal action


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Sorry, I wasn't very clear there I don't think; I was meaning that there wasn't an actual signature space, even if OH had wanted to sign it (he didn't sign this, or any of the others that this has happened with).

 

My other thought was whether if he had signed, would that mean they then had an enforceable agreement, even though it was for essentially a different card.

 

There, clear as mud:D

 

I see what you mean - no space for signature, so it was never intended to be signed and returned.:-) So as executed agreements go, they might as well have stuck your card on a poem by W H Auden:wink:

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Unless the credit card itself is considered a document and it contains all the prescribed terms and the creditor has a copy – I don’t see how it can.

 

Which wouldn't be much good when they ask you to cut them up and send them back:lol:

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Similar situation here!

 

I remember having a new card when it went over to chip and pin, I think the account number changed, and I know for a fact I didn't sign a new agreement!:confused:

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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  • 4 weeks later...

:DWell, I'm sitting here with a great big grin on my face.

 

Had a very illuminating chat with a lawyer about MBNA's allegedly:rolleyes: fraudulent documents - he was astonished; thought I meant a dodgy DCA not a major US bank!

 

To cut a long story short, he seems rather keen and knows a company who will be very interested in this case. Nothing signed and sealed yet, and I know it's early days, but I do feel very encouraged.

 

If everything works out, I'll post up the results. Should anyone else wish to pursue them on similar grounds, I would think that the more claims brought against them the more damning it will be; 1 or 2 allegedly faked documents - oh dear: 5, 10, 20 allegedly faked documents - Krakatoa!

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Count me in – I think the back of mine is clearly an embellishment of the original – and the purpose of which is to make me believe they have an enforceable agreement.

I’ve said this before – the originals could easily be checked against any artwork file held by the printer.

No doubt MBNA will wriggle out of any claim made against them regarding dodgy paste-up cca’s.

I just found out today that 1st Credit have purchased my account – LMAO – unenforceable agreement and invalid DN – good luck to them is all I can say.

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Well it doesn't help them with this 'section 8' that is referred to in the DN's loads of us have had does it?

 

It's either a cock up in the DN (unlikely as it's probably correct if you look at current terms on new agreements, otherwise they stand to lose out on every single DN sent).

 

OR

 

If there was a section 8 on older agreements, it shows fraudulent ones have been made up for whatever reason and they neglected to check the terms on them.

Time flies like an arrow...

Fruit flies like a banana.

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I shall be extremely interested in the outcome, Underdog - this could definately open up a can of worms for our dear friends at MBNA!!:D

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Well it doesn't help them with this 'section 8' that is referred to in the DN's loads of us have had does it?

 

My DN actually states ‘paragraph 8’ and this is not a term or a condition of any agreement I allegedly entered into - I don’t think it’s even a recognised legal term – There definitely isn’t a paragraph 8 on the application form which they claim is an agreement – so they are pretty much stuffed.

 

They also state that the agreement will be terminated – so I take it that is the case. No letter of assignment from MBNA either – next it will be a stat demand from 1st Credit or a court claim – happy days. I’m guessing I won’t be alone though.

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:DWell, I'm sitting here with a great big grin on my face.

 

Had a very illuminating chat with a lawyer about MBNA's allegedly:rolleyes: fraudulent documents - he was astonished; thought I meant a dodgy DCA not a major US bank!

 

To cut a long story short, he seems rather keen and knows a company who will be very interested in this case. Nothing signed and sealed yet, and I know it's early days, but I do feel very encouraged.

 

If everything works out, I'll post up the results. Should anyone else wish to pursue them on similar grounds, I would think that the more claims brought against them the more damning it will be; 1 or 2 allegedly faked documents - oh dear: 5, 10, 20 allegedly faked documents - Krakatoa!

 

 

hiya underdog,,,,dont forget me too matey pls:D

 

me too my dn states "Paragraph 8 of that agreement........

 

oh yes i would be interested too being in that collection of your friends with the solicitor, i mean you only need to get everyone with a mbna thread to then look and decide they too want to join and your solicitor will have quite a few of us

 

i cant wait this is the best news we all have had in such a long time its breathtaking

 

laters have a fun afternoon

 

angel x8)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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My DN actually states ‘paragraph 8’ and this is not a term or a condition of any agreement I allegedly entered into - I don’t think it’s even a recognised legal term – There definitely isn’t a paragraph 8 on the application form which they claim is an agreement – so they are pretty much stuffed.

 

They also state that the agreement will be terminated – so I take it that is the case. No letter of assignment from MBNA either – next it will be a stat demand from 1st Credit or a court claim – happy days. I’m guessing I won’t be alone though.

 

 

hiya atwozee

 

me too like ive just posted to underdog

 

have a fun day laters angel x:lol:

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Great to have you onboard Atwozee:) The more dodgy agreements we can present them with, the stronger our case will be, I should think - just imagine, a mass action against MBNA for (alledged:rolleyes:) fraud, heh heh, heh. Is it ok with you if I tell the solicitor that another person is concerned about the veracity of their purported agreement and may be interested in taking it further (depending on the circumstances of course)?

 

Solicitors will be contacting me again on Monday - can't wait:D They are taking this very seriously, I'm delighted to say. As soon as I have more details I will post them up on this thread.

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Is it ok with you if I tell the solicitor that another person is concerned about the veracity of their purported agreement and may be interested in taking it further (depending on the circumstances of course)?

 

No probs:D

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Whoops just noticed there was a page 5.

 

Great to have you on board too, angel; again is it ok if I tell the solicitor that you might be interested (depending on the circumstances)? Glad the news cheered you up - I've still got a big silly grin on my face, lol.

 

Sorry to hear about first credit, Atwozee - perhaps they won't be so keen to procede on an (alledged:rolleyes:) fraudulent document and will fling it back at MBNA.

 

Wow, you all got DNs - I haven't had a sausage! Did you have to send a SAR to get them, or did they arrive in the post one day?

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I saw one really blatant forgery (can't remember the thread now, curse my goldfish memory), where MBNA had tacked the same column of prescribed terms on to someones application form and the two backgrounds didn't even match. Their copy and paste skills are improving; small wonder, really, they've had plenty of practice!

 

Interesting to see your "agreement", yes that thread was mine, simple fraud, havent heard a titter from them since - silence is golden.

 

HH

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I sent MBNA a letter after they sent me two 'application forms' ( I think they are posted on here somewhere ) Informing them they were unenforceable etc etc. They replied saying they are investigating and would reply by the 12th Feb. I have heard nothing.

 

I have not paid them a bean since September after they refused my offer of reduced payment, but apart form plenty of threats have received no default notice or anything similar.

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Interesting to see your "agreement", yes that thread was mine, simple fraud, havent heard a titter from them since - silence is golden.

 

HH

 

Thanks for posting, Hammyhound - now how could an Underdog have forgotten the thread belonged to a Hammyhound, d'oh:lol:

 

Welcome to my kennel, sorry, bandwagon. It's great to have you aboard, especally as your agreement was so blantantly tampered with (alledgedly - got to keep CAGBOT happy;)). Ok to tell the solicitor you may be interested?

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Interesting to see your "agreement", yes that thread was mine, simple fraud, havent heard a titter from them since - silence is golden.

 

HH

 

Just had a look at your alleged agreement and I am speechless – this proves what we have been saying all along – I guess they think fraud is a justified way of trying to enforce these flawed contracts.

 

I knew there was a problem with mine because when they pasted it together they forgot to put some text back in at the bottom – I only realised when I saw someone else’s which was supposed to be the same - it’s not as obvious a forgery as yours though.

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sign me up to the band wagon as well cheers

 

Wonderful, welcome aboard, Itc :) Ok to tell the solicitor you may be interested? Not wanting to pass him personal details yet - just to say x amount of people are in the same boat and may be interested in taking things further.

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I knew there was a problem with mine because when they pasted it together they forgot to put some text back in at the bottom – I only realised when I saw someone else’s which was supposed to be the same - it’s not as obvious a forgery as yours though.

 

In fact UD it’s the same as the back of your virgin application – and they didn’t put any text such as ‘Go on you know you want one’ in the black rectangle – they just left it blank.

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I sent MBNA a letter after they sent me two 'application forms' ( I think they are posted on here somewhere ) Informing them they were unenforceable etc etc. They replied saying they are investigating and would reply by the 12th Feb. I have heard nothing.

 

I have not paid them a bean since September after they refused my offer of reduced payment, but apart form plenty of threats have received no default notice or anything similar.

 

Same as me, Cosalt, no DNs, no termination notices, just lot's of threats. Have you had the 'we know you're a home owner we may get a charging order' letter, yet? The last paragraph of that little missive did make me laugh, 'we prefer not to go to litigation' - neither would I if I were you, MBNA, and I had issued people with (alledgedly) fake agreements:lol:

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