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    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
    • hahah except I can't locate the courier to frighten them with it hahaha   
    • Dx100uk according to the ICO office, who I spoke to at some length earlier today after getting the email from the court, Equita are the data controller if they have instructed the contracted EA. The ICO have noted the case, and stated very clearly that the court has the higher standing in terms of dealing with, and punishing either party if they fail to adhere to the district judges order and any action they take will not be criminal.    but they also stated very clearly that with what I’ve told them, and on the basis of accepting what I’ve told them as gospel (which it is with written confirmation from both the courts and the police) then there is some major red flags being raised on both sides with them blaming each other.    they’ve advised me to essentially keep my powder dry until there is a charging decision and an outcome from the seperate proceedings with the EAC2 complaint, and then come back to them with the case and they will be in a stronger position to act against Equita and the EA as there will be established facts and evidence that have already been laid before a court.     
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Mbna dcri


fats333
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Hi

 

Can anyone please give me some advice.

 

I have over the last 8 months been trying to repay my debt to some creditors. I have had great support from Egg and Mint who have both accepted a reduced payment plan, MBNA a different story.

 

I have pleaded with them for help and support. NOTHING. I have been paying approx 50% of my minimum payment each month.

 

Now a default notice has been served on me. On ringing MBNA they have informed me the arrears are now being dealt with by DCRI. I rang DCRI which apart from a different name seem to have the same attitude as MBNA.

 

Can some please advise on my best course of action.

 

Regards

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  • 2 weeks later...

Hi PGH7447

 

Thanks for the reply.

 

Yes I did cca DCRI.

 

Now the strange part, sent cca request recorded delivery 27/10/2010 to DCRI. Have checked online and it states letter delivered 01/11/2010.

 

The Notice of Assignmet letter I received from Arrow Global / Wescot is dated 29/10/2010.

 

Do i need to cca Arrow Global / Westcot as it looks like this has been passed on prior to DCRI getting the cca request or as you stated send them a copy of the DCRI letter.

 

The phone call have now started !!!!!, but have not spoken to them yet.

 

Regards

 

Fats333

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Debt Clear Recoveries & Investigation have the same attitude as MBNA because it is MBNA, or owned by them anyway.

Do not speak to any of them on the phone, get it all in writing.

If you sent a CCA to DCRI wait and see what their reply is, if any. Just tell Wescrap that the account is subject to a CCA request which has yet to be satisfied, DO NOT acknowledge the debt

Did you receive any Notice of assignment/sale from MBNA?

What about the Default Notice? Is it a compliant one. Correct account number, time for service allowed and giving a specified date for remedy, not just 21 days

 

I been having fun with MBNA and their side kick collectors for years

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Hi alfwithhair

 

Like a plum I sent a postal order for £1.00 not £2.00 as it was for two accounts, funny how it was addressed to DCRI and the reply came back from MBNA. Do I now cca MBNA direct ?

Did not receive any Notice of assignment/sale from MBNA just a default notice dated 07/10/2010 and a remedy date of 26/10/2010.

Notice of assignment came straight from Arrow global / wescrap.

Please advise

 

Regards

 

Fats333

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if you have submitted a cca to whoemever then they should have passed it to mbna, the clock is now ticking they have 12+2 days, after that send the account in dispute letter to the same person/dca you sent the cca request.

 

as for phonecalls if they get too much then send the phone harrasment letter, or just say in writing and put the phone down

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  • 1 month later...

New Year Update !!!!

 

Still waiting for MBNA to respond to the CCA request and have sent account in dispute letter but still nothing in writing.

 

Keep getting phone calls with caller id with held, just ignoring them.

 

Also decided to CCA Mint who seem to have provided a copy of the credit agreement signed by myself. whats my best plan of action with Mint ?

 

Please advise.

 

Many thanks

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Ooops think I spoke to soon.

 

Have just received today a notice of Debt Collection from Wescot.

 

What to do now, MBNA have still not come up with the goods regarding the CCA request on 09/11/2010 and have been sent a account in dispute letter via recorded delivery on 12/12/2010.

 

As the account in dispute letter states to contact myself in writing I have not had any contact from MBNA.

 

I welcome your comments please.

 

Regards

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They have not even received my last letter and another lands on the doorstep.

 

Final notice demanding payment within 10 days or door step collection / court action.

 

Dont they not talk to MBNA ?

 

Are these lot a bunch of clowns.

 

Anyone any ideas on my next step.

 

Regards

 

Fats333

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Ensure that you sweep and clean your doorstep for the morons to collect! Maybe you can ask them what they do, and where they keep all of these doorsteps they have collected?

OI TROLLS, CHANGE THE RUDDY TUNE, HOW ABOUT OBTAINING THE SERVICES OF AN ADULT TO WRITE YOUR PETTY LETTERS!

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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  • 5 weeks later...

Hi Everyone

 

Sorry for the lack of response.

 

Laptop now back on line.

 

Just had the letter I think I've been waiting for. Wetclots have written to say they are sending the account back to MBNA.

 

Sit back and see what happens now ?

 

Regards

 

Fats333

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  • 1 month later...
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