Jump to content
TAO

Help Needed Please - What next?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4038 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi All

 

Well the saga continues with MBNA. In a nutshell..

 

 

10.03.09 CCA request sent by recorded delivery to Lewis Debt Recovery

20.05.09 No response so 2nd letter sent advising them they were in default and again advising non acknowledgement of debt.

Heard nothing until...

13.07.09 Letter received from CL Finance (see below)

 

Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

and a very dubious copy of an agreement (front page with my details only) dated 23.4.96

 

Now this doesn't show all terms and conditions as requested and equally I have not received a full statement of account - only another summary sheet showing account balance (presumably including all sorts of fees).

 

Advice anyone on what to do next? The way I see this is they are in breach of my original CCA request as did not comply within the legally required time frame - and now have not provided the full agreement and statement as requested anyway?

 

Also last week have received a telephone call from a debt collection agency (AIC) at my work, I was livid to say the least. Explained to the person that the debt was in dispute - suffice to say having had a family bereavement and funeral Thursday this was not appreciated. Also wonder how they obtained my work telephone number?

 

Advice would be much appreciated....Thanks :mad:

Share this post


Link to post
Share on other sites

Hi

 

Also meant to say that it appears the original debt agency (Lewis) have passed this onto AIC after my CCA request wasn't complied with or responded to. Thanks All.

Share this post


Link to post
Share on other sites

also please see below for a copy of what was received - nothing on the back showing terms and conditions

 

http://tinypic.com/r/28bv1wz/3

Share this post


Link to post
Share on other sites

Hi TAO

 

As far as I can see, this doesnt conform, I cant see any prescribed terms, you can send them the account in dispute letter.

 

You can also send the bemused letter to AIC, I dont have a link to it at the moment.

 

 

Regards

 

David

Share this post


Link to post
Share on other sites

Hi Uptotheneck

 

Thanks for your advice, where should I be looking for an example of prescribed terms please as I am not sure what they should have sent?

 

Thanks so much David

Share this post


Link to post
Share on other sites

Many Thanks David, I'll have a read of it and take it from there

 

Cheers

TA

Share this post


Link to post
Share on other sites
Hi TAO

 

As far as I can see, this doesnt conform, I cant see any prescribed terms, you can send them the account in dispute letter.

 

You can also send the bemused letter to AIC, I dont have a link to it at the moment.

 

 

Regards

 

David

 

not even headed as a regulated credit agreement under the consumder credit cat 1974

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...