Mbna 'agreement' - now threat of legal action

[cosalt]

I'll be more than happy to join in any discussion to take this further, I have never received any response to my letter to them with regards to my dodgy application forms they think are credit agreements.

[underdog13]

Shall we say Saturday at 8pm, then? Just to give people a bit more notice.

Edited March 13, 2009 by underdog13
typo

[pompeyfaith]

Certainly Underdog Saturday 8pm it is then

[cosalt]

I can do that, although where is the chat room? - LOL

[pompeyfaith]

In the mean time im gona find the secretary for justice and the secretary for finances address.

 

Also solicitors regulatory bodies contact details

 

and the FSA.FOS,ICO

 

Ill hit them all at the same time with a nice big fat detailed letter

 

PF

Edited March 13, 2009 by pompeyfaith

[pompeyfaith]

YouComment Chat Room

 

No need to register just enter screen name and hit ok

 

PF

[cosalt]

Thanks

[pompeyfaith]

Would this be the one

 

Minister of State (Trade, Investment and Consumer Affairs) (also in the Department for International Development)Mr Gareth Thomas MP

[pompeyfaith]

or this one

 

Financial SecretaryRt Hon Stephen Timms MP

[minnimes]

ok, i'll ask again, does this apply to online applications? no one seems to have answered me yet.

[underdog13]

Is it possible to post a link for the chat room? If someone could oblige, 'cos I can never get the blooming things to work for me

[pompeyfaith]

Link posted above underdog

 

but here it is again

 

YouComment Chat Room

 

Regards

 

PF

[underdog13]

How on earth did I manage to miss a whole page of posts (including the previous link)? I haven't even been drinking - perhaps that's the problem;)

[lexis200]

blimey, I don't come on for a couple of days and your thread has gone mental!

 

I do bake exceedingly good cakes btw - it's one of my many talents:D If you need a novelty or celebration cake just bing me:D

 

Hopefully I'll be around at 8 tonight if it's still on (does anyone else find it a little sad that we all seem to be available to sit at the computer on a Saturday night?)

 

Lexis:)

 

ps - Devious??? How could you say such a thing CB? I'm always open and honest with creditors:rolleyes:

[underdog13]

blimey, I don't come on for a couple of days and your thread has gone mental! Well they say pets get like their owners, so I guess threads get like their original posters:razz:

 

I do bake exceedingly good cakes btw - it's one of my many talents:D If you need a novelty or celebration cake just bing me:D Mr Kipling- I knew it:D

 

Hopefully I'll be around at 8 tonight if it's still on (does anyone else find it a little sad that we all seem to be available to sit at the computer on a Saturday night?) Yes, I thought that. Mind you, the area I live in is like the land of living dead, so there's not much point in going out anyway - even if you can afford it.

 

 

ps - Devious??? How could you say such a thing CB? I'm always open and honest with creditors:rolleyes:

--

[underdog13]

Very interesting info from PT on another thread - hope he won't mind me pasting it here, just in case anyone missed it:)

 

let me expand slightly

 

The law as we all know requires a "A term stating the rate of any interest on the credit to be provided under the agreement"

 

So on the MBNA agreement it says £1000, £3000 & £5000 yes?

 

and under each amount of credit it says the various rates , Yes?

 

So what if your credit limit isnt there?

 

What if your credit limit was £10,000? £15,000 ???

 

there is nothing within the agreement to qualify the rate of interest if your credit limit isnt set out on the agreement? with me so far?

 

So MBNA may try and argue that the full details are found in a set of terms and conditions somewhere which we dont know about blah blah blah

 

Well that angle fails at the first hurdle as the Agreement Regulations , at Reg 2(4) requires all this info to be set out as a whole and not interspersed with other info so it cannot be set out elsewhere

 

so if your credit limit was different to that stated on your agreement KERCHING:wink:

 

does that help???????????????

__________________

[lexis200]

Hopefully I'll be around at 8 tonight if it's still on (does anyone else find it a little sad that we all seem to be available to sit at the computer on a Saturday night?) Yes, I thought that. Mind you, the area I live in is like the land of living dead, so there's not much point in going out anyway - even if you can afford it. You can't move where I am for old girls in electric buggies taking their dogs for a 'walk' on their laps, and old boys driving by using the white lines as a guide that they straddle to keep in a straight line, just before indicating left and turning right:D

 

Roll on old age - I'm going to become mad as a box of frogs like this lot and have great fun:D

[angel_1]

blimey, I don't come on for a couple of days and your thread has gone mental!

 

I do bake exceedingly good cakes btw - it's one of my many talents:D If you need a novelty or celebration cake just bing me:D

 

Hopefully I'll be around at 8 tonight if it's still on (does anyone else find it a little sad that we all seem to be available to sit at the computer on a Saturday night?)

 

Lexis:)

 

ps - Devious??? How could you say such a thing CB? I'm always open and honest with creditors:rolleyes:

 

 

 

hiya alllllllllllllllllll,,,,,oh lexis i just seen Cakes,,,,and wowwwwwwwwwwwww,,,i will bing you for my daughter,,,,,ta muchly

 

okay back to business,,,,lol

 

okay i will come along too,,, 8pm,,,, its good to meet up amongst friends

 

have a fun day laters all angel x:D

[underdog13]

Hopefully I'll be around at 8 tonight if it's still on (does anyone else find it a little sad that we all seem to be available to sit at the computer on a Saturday night?) Yes, I thought that. Mind you, the area I live in is like the land of living dead, so there's not much point in going out anyway - even if you can afford it. You can't move where I am for old girls in electric buggies taking their dogs for a 'walk' on their laps, and old boys driving by using the white lines as a guide that they straddle to keep in a straight line, just before indicating left and turning right:D

 

Roll on old age - I'm going to become mad as a box of frogs like this lot and have great fun:D

 

Yep, me too - I plan to grow old disgracefully:D

[pompeyfaith]

yes all its still on seeya at 8pm

[pompeyfaith]

where art thou underdog

 

PF

[underdog13]

Did somebody call?

 

Sorry for the delay - dinner was a little late tonight and I didn't want to get cous-cous in my laptop;)

[underdog13]

And, no, that's not a euphamism, Lexis:D:p

[AA99]

Undeerdog,

 

Re post 356 im very much up for this, but i think because of the scale of this its time for DIRECT ACTION we need to get this covered in the press as much as possible and then hope they will be investigated.

 

To that end i think we should gather as much evidence as possible so every one with suspect agreements or default notices post them up removing personal information of course them one of us print them off add a page detailing where they fail put them in a binder.

 

Then we we need to hit fleet street yup in person and get noticed. while we are there we could also give copies to the regulatory bodies.

 

Because MBNA have brought so many credit card companies they will be the biggest loser because a lot of what they have brought does not conform to cca 1974 and or CPR

 

I also think they will be interested in my bundle because of the fraudulent DN.

 

PF

 

I see the Barclays £1b tax fraud story on the front page of the Times today started with the News of the World

[lexis200]

Did somebody call?:grin:

 

Sorry for the delay - dinner was a little late tonight and I didn't want to get cous-cous in my laptop:wink:

 

And, no, that's not a euphamism, Lexis:D:p

 

Oi! I'm a very clean minded person, how dare you sully my good name!

 

I missed Saturday!!! Did anything good come of it?

 

I ended up spending the day with my lovely little nephews, and I completely forgot about the chatroom. Doh.