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MBNA ABBEY can't find my agreement. Help

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I wrote to MBNA in November asking for my CCA for all my accounts with them. I received 2 agreements back but not the Abbey CC one which they have taken over. I wrote to them again in January and February as they were well outwith the time limit with no response. I hacve continued paying them in the meantime but today I received a letter saying that they were trying to obtain documentation from the other lender(abbey).

They have then said that I should continue paying them and quoted the judge from Mcguffick v RBS who apparently has said the lender can continue to demand payments even though the lender has not complied with the Act.


It is quite obvious that they do not have the agreement - what should I do? I was going to stop payments and see what they did as they have continued jacking up my interest rates even though I have never missed a payment to the point where it is becoming difficult to pay every month.


Why would they take on a load of accounts without the relevant paperwork in the first place?

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Hi There


I am in the same boat they still have not sent an agreement after 9 months , I did report them to the FSO and won regarding the interest rate jacking, have you done this yet? if not its worth dong as they usually back down and all the extortionate interest is returned to you which will keep your repayments lower. Hope this helps

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How did you do this? Can you please expand on your post as I have an Abbey and MBNA and they have hiked up the interest that much that I only pay about £5 each month off the capital!

They have, however, provided agreements. I am unsure as to whether these are enforceable or not though as I don't seem to be able to get my head round it and need to be sure before I do anything. No replies have really been forthcoming and I was quite disappointed as I was hoping to get help from other more experienced members on here. Would you mind having a look for me please and giving me your opinion as you obviously know what you are doing. Many thanks.

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I would be really interested if you have had any interest returned. I complained to MBNA about my other card and they have reduced my interest rate from 34% to 24% - still extortionate compared to what I took the card out on and disgusting behaviour from them considering I have never missed a payement in 14 years. Should I write to them and request a refund of interest or complain to FOS


They still can't find my Abbey agreement and keep sending me letters saying they are looking for it - delay tactics!

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