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cupcake68

Cupcakes Vs Mbna You

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Yes it is - the 2nd page posted has the prescribed terms and your signature - that is all that is needed


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Oh Dear!!

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Hi

 

To update.

 

I queried the CCA because their covering letter admitted it was unclear and heard no more.

 

They then sent me a defective Default due to the timing and they have now sold on the debt to Experto Credite.

 

I have now had 2 letters from EC, the first explaing that they had bought the debt and the second concerned that I have not contacted them.

 

Should I reply yet?

 

Thanks for the advice

 

CC

 

Also The account numbers they are quoting do not correspond with my account number doea that matter?

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well if the DN is faulty then it doesnt really matter about the agreement

 

has either the OC or Ec demanded you pay the full outstanding balance or terminated?

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CAn you scan and post the DN (personal details removed) so we can have a look


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Hi

 

It's taken me a while but finally here is my DN rec 111109.

 

YOU MBNA DN rec 111109 pictures by cupcake62 - Photobucket

 

I believe it is defective because they used a slow postal service that you have to allow 4 days for delivery. Therefore they didn't give me enough time in their DN.

 

Thanks for all advice.

 

Cupcake

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This is identicle to the one they sent to me-also sent Second Class and not giving me enough time. I look forward to someone confirming it is faulty.

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Hi

 

It's taken me a while but finally here is my DN rec 111109.

 

YOU MBNA DN rec 111109 pictures by cupcake62 - Photobucket

 

I believe it is defective because they used a slow postal service that you have to allow 4 days for delivery. Therefore they didn't give me enough time in their DN.

 

Thanks for all advice.

 

Cupcake

 

4 WORKING days therefore the compliance date should be 29 November

 

silly billies!:D

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Thanks DD!

 

I am finally getting it!!!

 

Cupcake

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Oh I SO hope so!!;)

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Still receiving letters from Experto Credite!!

 

Should I send them the bemused letter or still ignore?

 

Thanks Cupcake

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did you keep the envelope?

I have one from MBNA and was first class post.

franked 0036

 

why some second and some first with DN's..


If my advice helped you please click my star

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Hi Series 3

 

Yes I did keep the envelope. It was sent UKMail!

 

They don't seem to follow a set pattern for any of this do they?!!

 

Cupcake

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only set pattern is putting interest rate up..:)


If my advice helped you please click my star

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Hi Series 3

 

Yes I did keep the envelope. It was sent UKMail!

 

They don't seem to follow a set pattern for any of this do they?!!

 

Cupcake

 

 

Me too. Kept my envelope, sent 2nd via UK Mail.

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Still getting letters from Experto Credite.

 

They have "bought the interest in this account from MBNA including the outstanding balance"

 

Should I be sending them anything?

 

Thanks

 

Cupcake

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Hello cupcake68.

 

Did you ever SAR MBNA? If not you need to. If you did then look in the Comms Log. It's likely that you'll find that they 'sold' you to an Irish outfit called Varde Ireland Limited. EC collect for them apparently.

 

If you can find the date that the debt was sold on the Comms Log it's likely that you'll find that not only was the DN iffy on dates, but they probably sold you on before the DN rectification time was up. Some have found that they were sold to Varde before the DN was even issued.

 

If you want some links to some similar threads I can post them up for you. There's quite a lot of us in the same boat with this one ;).

 

Personally, i've been baiting EC for months to try and get them to take me to court. Funny - they're not that interested it seems.

 

M

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________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Hi MandM

 

Thanks for the advice.

 

I will SAR them asap and post up what I find. This site is brill!!

 

Cupcake

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Hi MandM

 

Thanks for the advice.

 

I will SAR them asap and post up what I find. This site is brill!!

 

Cupcake

 

Is good, isn't it :).

 

Search around the threads. Look in my posts, pumpytums, heftyhippo, tranders to name but a few. You will see what you're looking for on the SAR when it comes. Best of luck.

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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ty

 

cupcake

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________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Cupcake,

 

I would say that you need to send MBNA an acceptance of their unlawful rescission ASAP.

 

You also need to advise Experto that they have purchased a pup.

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