@mbna MBNA CCA Now Court Action

[octonaut]

Please if anybody could take a look at the CCA i have been sent and advise.

Have posted CCA and subsiquent letters sent by LINK who now have taken over the debt.

One thing does puzzle me i received a couple of days ago another letter stating they had again sent me my CCA but all that was in the envelope was the covering letter (attached).

Yesterday i received court papers from Northampton court and i am wondering if it is worth defending on the CCA they sent to me.

I will just add that i am sure the document is an aplication form not a CCA as if i blow it up it does say in the wording as follows....

Signature Form- Sign and return

 

Important-Data Protection

 

 

Before you sign this agreement you must read condition 11 in the terms and conditions provided

 

You agree that we may process, use, record and disclose personal information as described in condition 11. We shall use a credit scoring or other automated decision making system when assessing your application. You agree that we make such enquires as we consider necessary with this or any future aplication.

 

Also when i look at the other document it does state interest rates but not for my credit limit of £3500

 

If someone could please advise as i beleive i have now 13 days to send my defence if i intend to defend.

Its

[Conniff]

Morning octonaut and welcome to the forum. Unfortunately the jpg images are too small to read, can you do them as pdf documents and repost them.

[octonaut]

dam not quite got this right with attachements lol so adding ones missed ... looks like it duplicated some so just ignore them lol

[octonaut]

ok i will try and save them as pdf ... may take me a while lol

[octonaut]

jeez how the hell do i save them to PDF lol

[octonaut]

ah looks like i will have to scan them again .... block out information and post again ... not got docs on me now so will do that this evening

[rebel11]

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

[octonaut]

Thanks i will do that this evening .... but i will say they are not the best quality .... they are just copied onto A4 sheet of paper and i had to copy as a jpeg and zoom to even try and read it and then it is very hard to read.

I really appreciate your help and will post it later this evining when i have converted them.

 

Cheers

[citizenB]

You need to keep an eye on your timescales regarding the claim form.. they are..

 

Issue date + 5 for service + 14 to acknowledge (if you are going to defend) then you will automatically receive a further 14 days.

 

That will mean you have 33 days from issue date to submission dates. Have you acknowledged the claim yet ?

[octonaut]

Hi no i have not done anything as of yet ... it only came in the post yesterday morning

[octonaut]

I am going to try and get these done in pdf format tonight ... but i will say they are of poor quality originals so what they will turn out like i do not know

[octonaut]

Ok i have mannaged to get the CCA converted to pdf ... hope this helps ....

So how long do i have to reply to the court ??

MBNA CCA 3.pdf

MBNA CCA 2.pdf

MBNA_CCA_1.pdf

[citizenB]

Can you let me know the date of issue of the claim form.. you will find it on the top right hand side of the claim form..

 

If you are able to post up the Claim form as pdf.. removing any personal information and the claim NUMBER, that would be good.

 

If not, please just type out what the creditor is claiming for.. the block of text on the left hand side of the claim form..

[octonaut]

Here is the court paper in PDF

County Court Claim.pdf