Michaelangelo's thread

[Michelangelo48]

Got it in one! Nothing sinister guys! We all expect this from Mbna-the most underhand bank in the W. Hemisphere! Again anyone who has CC A s77/78 and SAR DPA .1998 templates- any chance of formarding me copies?

[ims21]

Got it in one! Nothing sinister guys! We all expect this from Mbna-the most underhand bank in the W. Hemisphere! Again anyone who has CC A s77/78 and SAR DPA .1998 templates- any chance of formarding me copies?

 

They are in the CAG library, the link to which is at the top of every page in green

 

EDIT: I already gave you that here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?345106-Debt-Assignment&p=3792066#post3792066

[dadofholly]

Got it in one! Nothing sinister guys! We all expect this from Mbna-the most underhand bank in the W. Hemisphere! Again anyone who has CC A s77/78 and SAR DPA .1998 templates- any chance of formarding me copies?

 

I have added links on the thread you first requested them.

[Michelangelo48]

Thanks D! Pretty daunting dealing with these lying barstewards!

[dadofholly]

Michelangelo do you have your own thread?

 

If not would be wrth starting one so you can get specific advice about your issues.

[Michelangelo48]

D. Dont know how to start one!M

[honeybee13]

D. Dont know how to start one!M

 

You already have a thread running actually. To start a thread on this forum, use the back arrow to move out of this thread. Scroll up the screen a bit and on the left hand side, you'll see a blue 'button' that says Post New Thread in white. Choose a title and tell us your story.

 

My best, HB

[Michelangelo48]

HBI'm Accessing this site from a mobile phone.M

[Michelangelo48]

Thanks 4 the templates! Should I send a CCA request to both MBNA AND IDEM Acc sold on recently!

[Michelangelo48]

The CAB Have sent a letter to Idem for me! THANKS FOR THE ADVICE -dx 100! M

[Michelangelo48]

Do I send a CCA REQUEST PRIOR T0 A SAR REQUEST OR VV?M

[asokn]

VV?

[Michelangelo48]

Bit brief! Whats the benefit of a SAR 1st?

[Michelangelo48]

Bit brief! Whats the benefit of a SAR 1st? Surely a CCA SHOWS What paperwork a creditor has!

[dadofholly]

A s.77/78 reqesut is a specific request under the CCA - the creditor has to supply this information by law - if they fail to comply then they are unable to enforce the agreement in court.

 

An SAR is a request under the DPA - they have to supply you with ALL the information they hold on you. This will include application forms - correspondence - PPI etc. Can be helpful to see what turns up.

[Michelangelo48]

Hi D! Which one should i ask 4 first?

[Michelangelo48]

D heard that courts are accepting a reconstited ."agreement"- with a proven line of credit! M.

[dadofholly]

Send for both.

 

Some Couts will accept a recon - does not mean that they are going to send you one though.

 

Request one and don't pre-judge what will arrive - it may not be compliant.

 

The alternative is to do nothing.

[Michelangelo48]

I was thinking of sending a complaint to the OFT about the way Mbna rang me at evenings and weekends and forced me to increase my payments in mid 2010 from £10 to £28 pm-even though i was on state benefits -and the way i was threatened with "repossession'. and aggresive debt recovery practices! When i said i didnt have any assets she asked if i could borrow money from family-friends and relatives to make a payment or settlement! Is this legal?-

[dadofholly]

Those are all breaches of OFT guidlines - so yes - complain to the OFT.

[Michelangelo48]

Hi D. What are the typ penalties for these breaches! They also rang me circa 2005-07 using a Mumbai based collection agent from India-esp. at weekends and evenings and put the phone down/wouldnt speak if my partner answered the phone-this really distressed us both-obviously why they did it! At least 20 calls and three letters later they suddenly stopped when I complained to Mbna and threatened legal action and report to the police! Surely these were harassment and malicious calls! Can I still complain to the OFT about this-presumably to their complaints manager

[dadofholly]

Yes you can complain about all of their actions to the OFT.

 

The OFT can ultimatley revoke their Consumer Credit Licence - but will only do so if there is a weight of complaints. They do not deal with complaints on an individual basis - but it is important that you add to any they already have.

[Michelangelo48]

The Pcutr regs seem more far reaching than this-including criminal offences? Is this the case?

[Michelangelo48]

The PCUTR (2008) Regulations seem more far reaching than this-including criminal offences? Is this the case?

[Michelangelo48]

Hi D. Account sold to idem so I presume the CCA