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Guest Battleaxe

noomill,

 

it is the company I am keeping these days.Terminator and Tam need the credit, they started me on this path. I have no problems holding my own and it takes a lot to intimidate me. I am enjoying tormenting the banks these days. Of course this then flows on to the other lot who think they aare so clever. Just getting them engaged and making them take notice that I am serious. I had Reliable Collections backing off this morning when I told them, that i was now able to apply for compensation through the courts and they have given me the ammunition to give to trading Standards. The tone of the conversation completely changed. Now who walks around with a big stick?

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Guest Battleaxe

Consolidation is the repayment of the interest they have charged you.

 

Ladybird, the answer is YES, If I am wrong Terminator or Tam will correct me. I don't thinki t has to be a new credit agreement, i think it has to be a copy of the credit agreement per se

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Consolidation is the repayment of the interest they have charged you.

 

Ladybird, the answer is YES, If I am wrong Terminator or Tam will correct me. I don't thinki t has to be a new credit agreement, i think it has to be a copy of the credit agreement per se

 

Battleaxe thanks for that, I would never have guessed from the wording that this is what it means... now if it is that, my next question is - from what date? from the defaulted date I assume... otherwise would it be from the start of the agreement - if it IS.... that is huge!!!

 

Next.. Q - do you have to list all the interest charges you are claiming or is it down to them to consolidate and pay?

 

Finally ... Ladybird I have been tracking Terminator and Tam and that is exactly correct - what BattleAxe says - there is an awful lot of development going on and I think the guys are working out privately the best strategy to offer us.... watch this space.. the sh... is about to hit the fan.....

[sIGPIC][/sIGPIC]

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Would this therefore also apply to Storecards as they're running credit agreements? My OH has a Storecard I sent a CCA request off for. They sent a copy of application/agreement but no T&Cs. I've let this one go a bit for the moment & it's still being paid, but if this refers to Storecards as well as CCs, they're guilty of non-compliance with CCA s78 request & a s85 default. Also, if it came to it, can anyone see a problem in me representing him at court? So far I've written the letters in his name & he's signed them.

 

Also, we never did an SAR as we have most of the statements from claiming back the charges, so how would we find out when they first defaulted? I know we can claim back interest, but there were also 'account cover' payments going out till they were cancelled. Does anyone know if these can be reclaimed under s85/s78 as part of the consolidation?

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when you have worked it out Elizabeth, could you let me know?, I have brain frazzle! lol

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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Do you know what Tam & Terminator I can remember when all three of us were poo pooed when we started to discuss the power of section 85, it is as significant as sections 78 and 77, and probably more so when you consider how many replacement cards are issued every day!

 

Well done lads, I'm going to have a glass of beer.

 

Cheers!

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Dollies - I am gonna have a long think and come back to this one!! I have read so much and brain is frazzled too!!

 

But trust me when I tell you - in a couple of days when my little "cells" have had a rest - I shall be back with a vengance!! Yes I shall chat to you certainly!!

 

I filled a pile of stuff on my AQ form and returned it to court beginning of week with a bombshell of a letter to Mr Udy Cap1 (which I also copied to court) - Now I am wondering what Mr Udy is gonna do as they sure are gonna need some answers to give court judge if they persist in P'ing me off?? I shall just sit and let clock tick by - cause Cap1 sure are gonna need some hefty answers to push me any further!!

 

It's funny really cause my letter was amusing (boulder through a window type of thing hubby laughed) I imagine Mr Udy gonna need a few G&T's this week to calm his nerves with Battleaxe also chucking flack that way?

 

I reckon this Mr Udy needs to send people some "nice letters" pretty soon!!

 

So glad I don't work in Banking!! ha ha ha I reckon the way things are going loads of people are gonna change jobs??

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Mbusa legal eagle (Bill Wareing) and I had a discussion this afternoon. they got my Section 85 default yesterday, he said I couldn't default them, so I just said watch me. We have reached a settlement on the non-compliance and I am £200.00 richer,plus court costs, told him I would notify the court once I had the cheque safely honoured in my bank account. We discussed the charges still to be filed, they don't want the agony of the Court room, so have to ring him next Thursday to see what they are offering.

he is very uncomfortable about the Section 85, he did ask how much was it going to cost them, so when I told him the figure, and the compund contractual interest. I think they are going to have some uncomfortable discussions in the ensuing weeks, seeing they have been in breach since November 2003. He also asked how I found out about Section 85 and I told him that I have a copy of the Consumer Credit Act and have plenty of time to read then spoke to some very wise men. I am going to get a pimple on my tongue for that fib.

 

I also reminded him about the Credit Agreement request that they in defualt of now and he said he is not sure they can find a properly executed one, so I just teased him and reminded him what a fine mess A & L have landed them with. Tam, this is so enjoyable.

 

Ah but what a pimple, i would have it bottled and put on the mantlepiece and i would also make the whole family pay homage to it every morning.

 

On a different note i got a sqirmy letter from mr UDY of Cap1 making lots of excuses about why they have not supplied me with a fully executed copy of the original agreement, so im also going to send a sec 85 just to let them squirm some more.

 

AL;)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Mbusa legal eagle (Bill Wareing) and I had a discussion this afternoon. they got my Section 85 default yesterday, he said I couldn't default them, so I just said watch me. We have reached a settlement on the non-compliance and I am £200.00 richer,plus court costs, told him I would notify the court once I had the cheque safely honoured in my bank account. We discussed the charges still to be filed, they don't want the agony of the Court room, so have to ring him next Thursday to see what they are offering.

he is very uncomfortable about the Section 85, he did ask how much was it going to cost them, so when I told him the figure, and the compund contractual interest. I think they are going to have some uncomfortable discussions in the ensuing weeks, seeing they have been in breach since November 2003. He also asked how I found out about Section 85 and I told him that I have a copy of the Consumer Credit Act and have plenty of time to read then spoke to some very wise men. I am going to get a pimple on my tongue for that fib.

 

I also reminded him about the Credit Agreement request that they in defualt of now and he said he is not sure they can find a properly executed one, so I just teased him and reminded him what a fine mess A & L have landed them with. Tam, this is so enjoyable.

 

 

I'm having a good old laugh myself as I got a letter from lloyds yesterday threatening a default so I wrote back saying it might be wise to consult your lawyers as your in serious default on my sec 78 request :D

 

Same sort of letter went to Barclaycard last week and no reply yet so I think they are probably doing some spluttering as well and I havent even mentioned sec 85 to them yet :D

 

Battleaxe want to run the spreadsheet opn my claim with Barclaycard? it goes back to the 70's:rolleyes:

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Mr T - they cant issue a default in the + 30 days. As of the 12th day the account is HELD with no interest to be added, no adverse credit references/marks and no defaults or DCAs involved.

 

WTF are they playing at?

 

Hey skinted we all know they are above the law :-o I have 2 companies now in very serious default and both are threatening to default the accounts. Lloyds TSB have even applied a £12 charge for the 1 payment I withheld after they went over the 30 days. I have just written to their collections department dropping a big hint that talking to their legal department might, on this occasion, be a good idea. Actually its an excellent idea as I issue mcol for my charges claim on them this week :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Terminator -

Just getting around to raising S85 against Amex.

 

'To correct this, consolidation must be made within 1 month of this notice.

 

If the correction required by this notice is taken before the date of expiry of this notice then no further action will be taken in respect of the breach.

 

If the action required by this notice is not taken within 1 month of this notice then the default will be registered with a credit reference agency.'

 

Question: what does Consolidation do? ie to me it sounds like you have to add up values into one value.

Question: What do you register with the two credit reference agencies? that they in Default on your account under S85? Isnt this likely to give YOU adverse credit IF finance companies start looking for folk like us?

 

thanks

 

Stay with the programme Zubo :D

 

Consolidation says they should refund all charges and interest since the default started.

 

Registering the default comes in chapter 2 :D

 

Now who thinks 2007 isnt going to be an interesting year ?

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Can we clarify here -this thread is so huge it's getting a tad difficult to decipher! Is it established (re: S85) that a credit card is in fact a Credit Token? Is it also established that a new agreement should be sent out with every re-issued Credit Card? And is it established that if a new agreement is NOT in existence then the CC isuer is in default? If all the answers are yes, then this is SUCH a goody!!!!!!!!!!

 

Sorry to spoil your day Ladybird but not all the answers are yes.

 

Yes a credit card is a credit token and the CCA defines that very clearly.

 

NO a new agreement should not be sent with a new credit token A copy of the agreement should be. This is not a new agreement but a copy of the existing executed agreement.

 

Yes if they dont send that copy they are in default.

 

See? sometimes No can be a better answer :D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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noomill,

 

it is the company I am keeping these days.Terminator and Tam need the credit, they started me on this path. I have no problems holding my own and it takes a lot to intimidate me. I am enjoying tormenting the banks these days. Of course this then flows on to the other lot who think they aare so clever. Just getting them engaged and making them take notice that I am serious. I had Reliable Collections backing off this morning when I told them, that i was now able to apply for compensation through the courts and they have given me the ammunition to give to trading Standards. The tone of the conversation completely changed. Now who walks around with a big stick?

 

Awww thanks for giving me credit Batleaxe but its not neccessary. I think I can speak for Terminator as well when I say we just want these companies to comply with the law the same as we do. Their days of bullying the public are over and the more people who pick up that stick the better :D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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I'm having a good old laugh myself as I got a letter from lloyds yesterday threatening a default so I wrote back saying it might be wise to consult your lawyers as your in serious default on my sec 78 request :D

 

Same sort of letter went to Barclaycard last week and no reply yet so I think they are probably doing some spluttering as well and I havent even mentioned sec 85 to them yet :D

 

Battleaxe want to run the spreadsheet opn my claim with Barclaycard? it goes back to the 70's:rolleyes:

 

 

YEP!!! I reckon "Spluttering" in Cap1 offices too!! I reckon the "bombshells" they've had this week are enough to make many of those Cap1 people gulp and splutter!! :D

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Battleaxe thanks for that, I would never have guessed from the wording that this is what it means... now if it is that, my next question is - from what date? from the defaulted date I assume... otherwise would it be from the start of the agreement - if it IS.... that is huge!!!

 

Next.. Q - do you have to list all the interest charges you are claiming or is it down to them to consolidate and pay?

 

Finally ... Ladybird I have been tracking Terminator and Tam and that is exactly correct - what BattleAxe says - there is an awful lot of development going on and I think the guys are working out privately the best strategy to offer us.... watch this space.. the sh... is about to hit the fan.....

 

With a sec 85 the default will start 1 month after they fail to supply the copy of the agreement on issuing a new card. With my Barclaycard thats very early in the 80's when they issued the second card to me. I intend to make a reasonable estimate based on the last 6 years of data, as gettign any further back than that will be like getting blood from a stone. I also intend using the statute of limitations to justify my claim beyond 6 years.

 

My guess is they will want to negotiate a compromise as I am roughly looking at £12-14,000 without adding any interest on it.

 

Yep a few of us do a lot of talking off the forums to consider ideas and strategy :D If just One person manages a successful claim based on anything we discover then I will be very happy for them.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Would this therefore also apply to Storecards as they're running credit agreements? My OH has a Storecard I sent a CCA request off for. They sent a copy of application/agreement but no T&Cs. I've let this one go a bit for the moment & it's still being paid, but if this refers to Storecards as well as CCs, they're guilty of non-compliance with CCA s78 request & a s85 default. Also, if it came to it, can anyone see a problem in me representing him at court? So far I've written the letters in his name & he's signed them.

 

Also, we never did an S.A.R - (Subject Access Request) as we have most of the statements from claiming back the charges, so how would we find out when they first defaulted? I know we can claim back interest, but there were also 'account cover' payments going out till they were cancelled. Does anyone know if these can be reclaimed under s85/s78 as part of the consolidation?

 

 

Store careds can and should be treated exactly like a credit card but with higher interest charges on them. They are still a credit card and a credit token and covered by the CCA in exactly the same way. The T&C forms an integral part of the contract so it is incomplete without them, and they must be for the period when an agreement was signed not the latest version.

 

I assume 'account cover' is some form of payment insurance so your probably better looking at misselling of that, although the credit account will almost cetainly include interest on the premium.

 

If it goes to court then just ask the judge if it's ok for you to speak on his behalf, they will usually allow it.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Do you know what Tam & Terminator I can remember when all three of us were poo pooed when we started to discuss the power of section 85, it is as significant as sections 78 and 77, and probably more so when you consider how many replacement cards are issued every day!

 

Well done lads, I'm going to have a glass of beer.

 

Cheers!

Mike

 

I remember it well Mike, it was about

70 pages and almost 80,000 views ago :D I believe this is not the second most viewed thread after Vamps spreadsheet thread ( not counting the £100.74 thread in bear garden lol

 

I'll join you in that beer and I must phone you over the weekend :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Just in case anyone wonders why I post so many replies in one go it's because I have spent the last 2 hours dealing with PM messages, so I have to catch up on about 2-3 pages at once :D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Thanks for that Tam. Not sure if I can claim on the mis-selling of the 'account cover' (it is a form of payment protection) as he ticked the box on the application/agreement. However, I know they never sent out copies of the agreement with the new cards. He's had a few (still got the old ones actually), but they have no expiry dates on them. Any ideas on finding out when they would have defaulted?

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Elizabeth, Acer needs to know whne the card was issued, this is the comapny defaulting under sec 85 not Acer defaulting :D

 

Did you get my reply to your PM? looks like the site went down for a short while just as I sent it

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Tamadus or Terminator (or anyone in fact hat has got their head around this!) This is the letter I have just written to MBNA. Comments PLEASE, before I make an ass of myself!

 

Dear MBNA

Re: Account No. XXXX............

I would first start by confirming the telephone conversation which took place yesterday morning (26th January 2007) with your operative, Gemma. We discussed that I am claiming under my PPI and Gemma and I agreed that St. Andrews (i.e. the insurer) are making payments to you later than the due date on my account. Because of the lateness of their payments to you, you are debiting me with late payment charges. I am unclear as to the validity of these charges, as I see no evidence of manual intervention when they are applied. Perhaps you would clarify this point. It was agreed that my account would be "In Dispute" as of the date of the phone call.

However, it has been brought to my attention that under Section 85 of the CCA, it was your contractual obligation to issue me with a signed copy of the agreement relating to this account when you issued me with a new card. This you failed to do, and I would respectfully point out that it appears to be MBNA that is in default, not, as you suggest in your letter of 20th January 2007, me.

I fail to see how any of the interest and punitive late payment charges that have been applied to my account since the date of issue of the current card are legal or enforceable when you have clearly failed to abide by the regulations of the CCA.

It is my intention therefore, to claim back the interest and any other illegal charges that have been applied to my account since the date of issue of the new card. I shall however, desist in doing so for 14 days from the date of this letter to allow you the opportunity of sending me a satisfactory response.

Yours sincerely,

Please tell me I have successfully understood this thread! If you can't tell me that, please send me copious amounts of alcohol in which to drown my sorrows! THANK, THANKS

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Battleaxe want to run the spreadsheet opn my claim with Barclaycard? it goes back to the 70's:rolleyes:

 

Tamadus - how can a claim go back that far? I thought consolidation was only from when you issue a default or limited to 6 years?

[sIGPIC][/sIGPIC]

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