MBNA/Restons Claimforms - 2 MBNA Cards **DISCONTINUED***

[bazaar]

Have you requested any statements on this account? To see if there are charges theyve added?

Also the agreement ( or contract as they put it) needs to be requested.

You'll likely need to send them a CPR 31.14 (if proceedings have started) or CPR31.16 before proceedings) request to get these documents.

You'll also need to acknowledge this claim online with Northampton.

If you dont have the documents you need to file a proper defence, then you'll file an embarrassed defence and seek an order that they disclose the docs you require.

Make sure all correspondence is done recorded delivery

[bazaar]

Hi RoyalB SAR isnt going to be any use now, you have the CPR 31.14 which you can use to achieve the same result, you'll need to list everything you want to help file your defence. so do a little research before you defend, draft up your CPR request so people can help with it. Look for some threads with 42Man they are particularly good with docs.

[bazaar]

Hi Royal, It'll probably be CPR 31.14 you'd make the request on, give 42Man a little time to draft up something for you. Just to make sure you know what you are going to be doing you can google the CPR 31.14 and 18 look at the ministry of justice hits. If you dont understand anything, just holler

[bazaar]

Now it passes into the 'who blinks first' game

[bazaar]

How long did you give them on the CPR? give them a bit of leeway because of the postal strikes, but keep checking the royal mail site for delivery, (it takes a few days to register). You cant file anything other than an embarrassed defence unless they produce documents.

[bazaar]

Yep,

Best to go with everything you have, As Cit B says, copies for others just looks more professional.

a wry little grin when you hand the opposition a copy is very satisfying.

[bazaar]

They do appear to be worried about those court costs though,

maybe ask them if theyve put any defaults on and say youll accept a couple of hundred quid for keeping it away from court, its all in the negotiation:)

[bazaar]

How does the land lie as far as defaults on the credit record are concerned? Bearing in mind that there hasn't been any legal judgements in this case.

 

well thats in the negotiation, IMHO, I wouldnt let them off that easily, theyve most likely done some trashing of your credit score, which, if you ever wanted a loan or any credit, would definitely cost you in the long run.

as Snoop says, get them to remove it all or no deal

[bazaar]

oh hell, sorry RB, just realised the amount thanks to DD.

yep, leave sleeping dogs lie