Have MBNA/Link Mucked Up???

[joemay]

Not sure what it is I'm trying to find out, I'm a newbie, but no doubt will be learning an awful lot along the way.

 

OH Rec'd default notice dated 6th March, from MBNA, they have stated have until 23rd March, if not settled will pass on for further action. Am I right in thinking that they have to give 14 working days and 2 days for postage???

 

Rec'd letter from Link dated 26th March stating they are new owner (assuming this is Notice of Assignment?), but then state it was assigned of 20th March??? These dates don't match up with MBNA dates, it's been sold/assigned to early.

 

Is this a breach of something and if so how does it assist my OH?

 

Have already sent CCA request.

 

Look forward to your responses.

[Uptotheneck]

What date did you send the CCA request?

 

 

 

Regards

 

David

[joemay]

What date did you send the CCA request?

 

 

 

Regards

 

David

 

Sent it 31/3/08 to Link - after receipt of their letter and finding CAG! Why does that change anything?

[Uptotheneck]

They have 12+2 working days to come up with the CCA, if they dont have it, the letters you mention are pretty much meaningless.

 

 

Regards

 

David

[joemay]

I need some advise. Have copied this quote from a thread that is similar to my situation

 

"The reason DN are so important is that its a requirement to end the credit agreement than a proper default notice is served prior to termination. If the default notice is invalid i.e. not enough time to rectify the fault then the termination becomes invalid, this reduces the right of the OC to just the money due at the time of the default notice, i.e. only the arrears become payable, they lose the right to the balance as they have terminated the agreement invalidly."

 

"The letter implies that Link have purchased the debt from MBNA. As to the selling a debt prior to the default notice expiring that seems to me to be a serious breach."

 

Please can someone advise, am new to this and starting to think i'm a little thick

 

Thanks

[joemay]

Bump

[joemay]

can anyone advise please?

[Gazza112]

Hi joemay

 

Firstly don't panic and stay calm.

Did you save the enverlope that your default came in.

If so did it come 1st or 2nd class post.

Can you scan & post the default without your personal details, so other Caggers can have a look at it.

 

Gaz

[joemay]

Hi joemay

 

Firstly don't panic and stay calm.

Did you save the enverlope that your default came in.

If so did it come 1st or 2nd class post.

Can you scan & post the default without your personal details, so other Caggers can have a look at it.

 

Gaz

 

Hi Gaz,

Thanks for responding. I haven't saved the envelope, not sure if it was 1st or 2nd class, is this important?

Not sure how to post on here:???: Can you tell me how plz.

Thanks:)

[Gazza112]

Hi Gaz,

Thanks for responding. I haven't saved the envelope, not sure if it was 1st or 2nd class, is this important?

Not sure how to post on here:???: Can you tell me how plz.

Thanks:)

 

 

Hi joemay

 

Yes, its inportant to save all enverlopes as this will determine if they sent it first or second class post.

2 working days for first and 4 working days for second class poat.

If you write to them do not sign any letters.

 

Gaz

[joemay]

How can I post my letters on here please??

[joemay]

Hi joemay

 

Yes, its inportant to save all enverlopes as this will determine if they sent it first or second class post.

2 working days for first and 4 working days for second class poat.

If you write to them do not sign any letters.

 

Gaz

 

OK thank you. But can you tell me if the 12+2 days is working days or does it include weekends?

 

Also am having trouble posting the letters for you to view.

[Undercover-Elsa]

Hi Joemay

Have you been able to scan the letters onto your computer?

Elsa X

[never-in-doubt]

OK thank you. But can you tell me if the 12+2 days is working days or does it include weekends?

 

Also am having trouble posting the letters for you to view.

 

Its days - 14 days (2 weeks)

 

If you have the images scanned on your pc then go to something like photobucket or imageshack and upload them there and copy the image link and post it here, link should look like this:

 

http: / / _img10.imageshack.us/my.php?image=greylogoaby.png

 

Image embedded looks like this:

 

 

 

To embed the image just select the Forum code once you upload the images and paste it here.

Edited April 4, 2009 by never-in-doubt

[joemay]

Hi Joemay

Have you been able to scan the letters onto your computer?

Elsa X

 

Hi Elsa,

Yes have scanned and removed personal details, but not sure how get it posted on here?

[never-in-doubt]

Hi Elsa,

Yes have scanned and removed personal details, but not sure how get it posted on here?

 

Look at above post.... here is imageshack: ImageShack® - Image Hosting

 

if you use this simply click browse, look for images on your PC and double click the image you want to upload. then at the drop down box select resize image (640x480 message boards) and then click start upload.

 

Once loaded click the image and a new window opens just copy the address and drop it in a post here and we'll see the image. Thats the easiest beginners way

[Undercover-Elsa]

Hokey.. you need to go to Image hosting, free photo sharing & video sharing at Photobucket and sign up for a free account. Don't use your real name. It doesn't take long.

Then you can upload your letters there, copy the link and paste it into your reply on here.

There's other ways but that's probably easiest and they are easy to read.

Elsa x

[Undercover-Elsa]

Hah! snap...or as above LOL

posts getting crossed in the post

[never-in-doubt]

Hokey.. you need to go to Image hosting, free photo sharing & video sharing at Photobucket and sign up for a free account. Don't use your real name. It doesn't take long.

Then you can upload your letters there, copy the link and paste it into your reply on here.

There's other ways but that's probably easiest and they are easy to read.

Elsa x

 

Photobucket is a join one, imageshack is instant with no sign-up......

[never-in-doubt]

Hah! snap...or as above LOL

posts getting crossed in the post

 

LOL, I know sorry - just thought i'd try and help

 

Both work but one is a signup and the other is instanteneous.....

[Undercover-Elsa]

The more the merrier

[never-in-doubt]

The more the merrier

 

Now the OP has done a midnight bunk LOL

[joemay]

ImageShack - Image Hosting :: mbnadefaultq.jpg

ImageShack - Image Hosting :: linknoa.jpg

[joemay]

Thanks both of you:D

[never-in-doubt]

ImageShack - Image Hosting :: mbnadefaultq.jpg

ImageShack - Image Hosting :: linknoa.jpg

 

Thanks, i'll embed the images for the benefit of others: