Could someone check my cca agreement please

[adrianenler]

Hi All

Was wondering if someone could check this CCA

 

 

 

 

Theres a couple of things I’ve noticed

1. Below ,where the Rep wrote Halfords Belfast ,there is three question ,all three ask for initials and to tick yes ,I did not initials or tick ,I can only thing the rep put my initials and tick the boxes
   
   
2. Payment Protection Cover , There is no tick in the yes box ,but on my credit card statements I was paying it ,and I can’t remember been asked about then or at anytime
   
   
3. The box below my signature
   
   , says for representative use only, the representative name is in block capitals with his ID number and above his name he wrote bank card, there is no date
   
   
4. On the back at the bottom is the terms and conditions
   
   

http://s904.photobucket.com/albums/ac244/adrianenler/mbna/?action=view&current=mbna001.jpg

http://s904.photobucket.com/albums/ac244/adrianenler/mbna/

Edited September 23, 2010 by adrianenler

[adrianenler]

hi all

After reading some threads about default notices , in my default notice which Ive posted ,it asked for the full outstanding balace ,my understanding from the threads is they can only asks for the arrears . perhaps someone could confirm this for me.

[postggj]

yep

 

the dn is for arrears only

 

have they terminated the agreement

[adrianenler]

hi postggj

Thanks for looking ,yes they have terminated the agreement ,the debt has been sold to Varde ,I can.t remember getting a letter to that affacted , I moved house,and have misleaded some letters ,I have SAR MBNA about ten days ago , Ive wrote to Experto who are act on behave of Varde and told them that Iam awaiting a reply ,to see if this keeps them of my back .

[Bazooka Boo]

Apart from the faulty DN asking for the full balance, have you any other letter stating that the full balance is now due immediately? That will act as your account being terminated.

[adrianenler]

hi bazooka Boo

Thanks for looking , I can only remember get a letter termintated the account

[Bazooka Boo]

OK, If you have a letter terminating the account, OR asking you to pay the balance in full, then you should write to them and accept their unlawful reciscion.

[adrianenler]

thanks for all your help