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Credit Audit Results and Finishing the Job

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Hi Forum.


here is one for you.


I have had 3 credit agreements audited by a firm of solictors, they have found multiple breaches in all of them MBNA, RBS & Northern Rock, examples being:


Monthly Interest rate of Purchases not stated

Annual simple Interest rate on purchase not stated

Monthly interest rate on balance transfers not stated

Annual simple Interest rate on balance transfers not stated



The list goes on, suffice to say on My MBNA Audit alone I had 7 breaches, Northern Rock 10 & Mint 6. Interstingly the solicitors have not produced a signed CCA! the solictors are a disgrace and are now at the stage where we are preparing to take the final court steps to confrim the agreements as unenforceable as the creditors have not responded to them.


anhow my questions are:


can I pick up and finish the job, if so where do I start?


How do I get these removed from my credit files?



Thanks very much



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Hi, I'd start a thread for each company and scan the agreements and post them on photobucket for other members to view and advise.


The more details you can give (without posting personally identifying info) the better we can help.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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