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    • Not sure about the lease read through all the documents i have and couldnt find anything about parking. Contacted the management Office to get a copy sent to me. When i complained to them about the ticket they told me to appeal so they clearly don't care.      and yes it's a gated underground parking area with key fob entry. 
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    • i understand and agree you should write a formal letter of complaint about the email by royal mail.   i also think you should totally dispute the arrears balance, esp as it goes back so long   send them an sar and add to the text in it that you want statements/bills dating back to the gb energy a/c.
    • When you see the reports coming out that serco was involved from the earliest stages apparently to give expertise   and that resulted in 18 million plus people coming back into the UK untested from hotspots .. and then even the general advice to self isolate after they had travelled across the UK home being withdrawn in the run-up to the lock down   That went well says cummings      
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
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MBNA been a real pain to family member

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Family member finally came forward and asked me for help with some problems they are having

with MBNA.


Story is:


Recently got refund of £813 for charges, mbna admitted nothing but took the refund off the balance and not the arrears and remainder to customer.

Now been phoning every day for arrears which is now mounting up with charges been added all the time.


Got some paperwork off them and found a CCA reply with a CCA attached.


It looks fine but after reading over some gaffs that they do, I have spotted one on the terms at the back page, no condition 14.1. (does this help make it unenforceable)

Also no notice informing terms on the back of the application form.


Can't post any pics up as someone has marked all over signatures,numbers etc.. and I know we have spies in here.


Looking for a mod to pm me and I can send some links to the pictures, all id data has been removed.


The marks are very strange to me and I suspect " they are watching us" and don't want to give anything way.






Since MBNA didn't actually pay out the charges refund can they be claimed for again but this time with compound interest and hit them hard.


Any advice gratefully received.

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Edited some of the pictures and have now received a default notice.


CCA Front page



CCA Back Page



No mention of the terms & conditions been on the back of the CCA and no term 14.1 anywhere on the CCA or

the agreement pages below.


Agreement / 4 pages


http://www.karlshardware.co.uk/mbna/agreement 1.jpg






Now also a default notice:




Any help /advice on next step to take will be gratefully received






Edited by biggeorge
link wrong

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Any signatures on the application form Big George? The agreement looks very like the one they sent me and had to discontinue in court. Is the application form shown on the link?


Default Notice looks short of time to remedy i.e. they haven't allowed for postage and only working days are counted not weekends.

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For what ever reason my link to the CCA is showing capital MBNA in the link, lower case works fine.

Will up a version to my hosting so links will work correctly.


Yes there was a signature on the CCA and a stamp 1997, its an old account.



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Hi there. I recieved an identical default notice to the one you have recieved (except personal details and amounts obviously) The dates are exactly the same on mine and I was wondering if the dates are acceptable or is Miss Muppet correct when she says there isnt enough time, making it invalid? I thought it was a total of 17 days from the date on the letter generally which I thought would be 9th plus 17 days = 26th meaning they had done it correctly. I would love someone to confirm its too short though :)

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Hi have been looking through loads of post regarding Default Notices and still no closer to finding the answer.


The Default Notice should give 14 clear days, does this include weekends or not?


The Default I posts up was dated 9th and remedy by 26th - Total 17 days

Take 2 days for service and there is 15 clear days unless weekends are not counted.


Anyone have a definite answer?


If the Notice is fine on time allowed then since the arrears owing also includes charges would that make

it invalid?



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