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MBNA CCA response

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I received this morning a CCA from MBNA (Virgin credit card) which was taken out online in June 2007. Is it worth posting up what they sent, or is it too recent to go down the unenforceable route?

 

Thanks.

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Update:

 

MBNA have been pretty quiet after me informing them that I could only make token payments for a while, I got this a short time ago.

th_MBNA-noticeofarrears.jpg

 

I wasn't aware that this sort of notice was a requirement of CCA'74. None of the other creditors have sent me similar :confused:

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They are required by law to sent you a statement of a/c at least yearly now.


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My MBNA account was recently sold to Britannia/Moorgate, now I have no problem with that, the requisite assignment notices were sent, however...

 

I haven't had a statement of account for this for over a year so I wrote to Moorgate asking for a breakdown of all payments made since October 2010, any charges etc and a current balance.

 

All they sent me however is the current balance which is not quite what I make it should be (although to be fair it's pretty close).

 

Am I entitled to a proper statement of account or is what they sent me acceptable? Any advice on how to proceed?

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You could try writing to them again and make it crystal clear exactly what information your after, failing which you will have no option but to reduce your payments down to the legal minimum of £1 a month, see how they like them apples!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Which seems absolutely fair given they have provided no evidence the payments are actually reducing the debt ;)

 

Do you by any chance know what statute the part about them having to provide an annual statement comes from, it would be nice to quote some legalese at them.

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TBH I don't have that bookmarked, but it is common knowledge.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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No problem mate, looks like I'll just have to be a bit more forceful. :)

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Someone else will have it no doubt....


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Well, Brittania/Moorgate have failed miserably to send me anything resembling a statement of account. One balance (which is not quite correct) then...silence.

 

As I have not had any meaningful statement since October 2010, is this a valid reason for putting the account into dispute?

 

Thanks

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Basically yes you should have at least

yearly statements.


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Cheers Brig, is it appropriate to drop the payments down to £1 or even withhold payments altogether?

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Cheers Brig, is it appropriate to drop the payments down to £1 or even withhold payments altogether?

Fiirst I would write and demand all statements give them 7 days if they don't comply then take action.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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