Rebel11 v MBNA

[rebel11]

This is briefly whats happened with one MBNA account.

MBNA VISA OPENED ACCOUNT 1996 (contract looks unenforceable)

Didn't ask for PPI added then - refunded.

Last statement received 1999. (asked account to be closed)

no statements received between 1999 - Dec 2004

no Credit Card's received between 1999 - to present day

 

Received new statement in Dec 2004 with new account number

I wrote a Credit card Cheque PPI added then refunded

 

They told me the account was dormant although I'd asked for it to be closed in 1999. The only CCA was signed back in 1996. I asked for 70+ statements for the account in 2005, they told me it would cost £185,

£2.50 each. Although statements between 1999 - Nov 2004 don't exist.

This account has had 3 account numbers. They've come up with one

excuse, an update of account numbers in may 2004. I went to the FOS,

in 2005, they didn't want to tell me about CCA.

 

Any thoughts?

[vint1954]

Posted on your other threadd

[rebel11]

I will send SAR, lets see what they send.

Then i'll send them a S85, I think the're in default. They restarted one account without

a new CCA after 5 years, no statement until Dec 2004.

[rebel11]

This is briefly whats happened with one MBNA account.

MBNA VISA OPENED ACCOUNT 1996 - Account number xxxx001

I didn't ask for PPI, they added PPI - I got it refunded.

Last statement received 1999 Account xxxx001

 

No statements received between 1999 - Dec 2004 for Account xxxx001

No Credit Card's received between 1999 - to present day

 

Nothing to tell me the Account number has changed.

 

Received new statement in Dec 2004 with new Account number xxxx002

I wrote a Credit card Cheque. They added PPI. PPI refunded.

 

They also implied Account no xxxx002 is also Account noxxxx003

 

Would the CCA 1974 signed in 1996 still be vaild?

[rebel11]

Can anyone tell me if this enforceable?. It was received in 2005, nothing else was sent.

 

http://www.imgxc.com/image/teWYB9

 

It's best viewed in 25% Zoom

[supasnooper]

I'm sorry but I can't read that.........it's illegible.

[vint1954]

Can anyone tell me if this enforceable?. It was received in 2005, nothing else was sent.

 

http://www.imgxc.com/image/teWYB9

 

It's best viewed in 25% Zoom

No, as that stands, it is not enforcable. No prescribed terms.

[rebel11]

vint1954

 

thanks