received mbna cca copies can anyone help

[happyandy]

enclose cca copies received 30days after request and its dated 2005 it came back with a undated compliment slip. ca nsomeone tell me if enforceable please.

 

andrew byng:confused:

 

how do i add new attachments???

 

Edited February 19, 2009 by happyandy
got new attachments

[silverfox1961]

Read your private message please.

Just looking at your post.

 

fox

[SteveH2508]

You have left all of your personal details showing!

[silverfox1961]

When you repost, could you rotate the images so we don't have to twist ourselves into unnatural positions to read it

 

They are fairly illegible and I can't clearly make out the terms very well so you need to see if they have everything on there to make it valid. Others will come along to help.

 

fox

[underdog13]

Can't read the code numbers on the back page - see if they match those on the front.

[the_shadow]

From the look at the last page in the PDF it was an online application in 2005, not sure whats required but its a bit more complicated than normal applications.

 

Please delete and repost minus your personal details and if you could rotate the images it would be helpful:)

[happyandy]

enclose cca copies received 30days after request and its dated 2005 it came back with a undated compliment slip. ca nsomeone tell me if enforceable please.

 

andrew byng:confused:

 

put new attachments on today .....help the numbers on dont match

aaa_20090219125535.pdf

[happyandy]

i need help having six letters a week from mbna they know something is not right with their cca

[happyandy]

have reposted need help silverfox getting hassled from mbna they say cant put account in dispute they have copied and pasted on one page the signed bit and the rates etc

[happyandy]

have posted new attachemnts with my details taken off received only these two pieces with a undated compliment slip

[silverfox1961]

I'm no expert but to me all the relevant terms are there even if it is virtually impossible to read (I had to set my zoom at 150%)

APR

repayment terms

credit limit(or one set by them)

charges

 

Did you take out PPI on the card?

 

I would keep bumping for others to have a look. LIke I said, I'm not as experienced as others. They may pick up something I still don't know about.

 

fox

[guzzleguts]

I have the same tear off application form, they would need to prove the terms were on the back, and as they are microfiche copies i doubt that would happen.

 

They will send half the rainforest in letters threatening allsorts, have you sent an SAR REQUEST. Or you could try sending a letter asking to see the document, which is what i did they didnt agree because the original wasnt available, what ever that means.

 

Have you received a default notice they are are normally poor.

 

GG

[happyandy]

no havent received default notice yet so do you think i have a case

[happyandy]

i didnt take out ppi

[guzzleguts]

Hi andy

 

Your pretty much in the same position as me, i have 2 accounts with them, both unenforceable i think.

 

But its down to them to either prove to you that what they have sent you is enforceable or take you to court.

 

I have sent a letter asking to see the original in one of their offices, but they said the original wasnt available, in my opinion they need that to enforce in court.

 

Its just a waiting game now to see what they do, i receive 4 or 5 letters a week but i just file them, if they ring you dont speak to them on the phone, send the phone harassment letter in the templates library if they are bothering you.

 

Maybe send an SAR request? i know you said you havent received a default notice but have you been defaulted? because they dont always serve them ive got 1 but havent received the other.

 

GG

[citizenB]

I am not able to comment on your document. What is the state of play at the moment?

 

Have you stopped paying them, do you have a payment plan in place that is either being administered by a 3rd party or youself?.

[lee32uk]

I got exactly the same response from mbna re my cca request.Have a look at my thread for a letter you can use to ask them for a legible copy, as what they have sent is a copy of a microfiche.

 

http://www.consumeractiongroup.co.uk/forum/mbna/182396-lee32uk-mbna.html#post2043854

[happyandy]

have spoken to MBNA they have stopped the calls but have had a letter threatning charge against house and default and ccj made last payment in january but none since as they have not replied and given me a copy of cca agreement need help whats my next step i am in finance industry so dont want a default

[happyandy]

no the numbers dont match what does that mean?

[lee32uk]

All they have sent you is the tear off slip.Exactly the same response i got when i cca'd them.

I was told on my thread that it was unenforceable as the prescribed terms are not linked to the agreement in that they need to be in the four corners of the agreement.They cant be on a seperate sheet or on the reverse.

[happyandy]

hi everyone

 

will i get default???

 

have got settlement from mbna with some dodgy cca copy and pasted as seen on my file 25% partiale settlement. They wont say if they will default me as in finance industry wouldnt be able to get another job help can someone advise and look a letter this was faxed a unsigned copy

andy mbna_20090427124755.pdf

Edited April 28, 2009 by happyandy

[toto003]

Please read your agreement more carefully.

 

unless your initial limit was exactly £1,000 , £3,000 or £5,000

 

then your agreement doesn't state the APR for running account credit.

 

I have made several posts in detail about this.

[toto003]

hi everyone

 

will i get default???

 

have got settlement from mbna with some dodgy cca copy and pasted as seen on my file 25% partiale settlement. They wont say if they will default me as in finance industry wouldnt be able to get another job help can someone advise and look a letter this was faxed a unsigned copy

 

Seriously WTF is a "short settlement" ???

 

The agreement is unenforceable, and they know it.

 

#1 No APR for running account credit.

#2 Referenced to terms that are not within the agreement.

#3 Probably missing all the required terms on Repayments (as they mention interest rates)

 

It is up to you of course ... But I would expect it to read "Full & Final" not "short"

 

toto

 

P.S. unless, of course, your initial limit was 1k, 3k or 5k ???