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Link Financial & MBNA debt


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the T&C are generic i'e they state £0.00 fee for over limit or late or bounced DD.

 

 

if your signature appears nowhere that's a cut n paste jobby

 

 

try again Plink!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Good morning and thanks for the prompt reply.

 

umm, good, I hadn't noticed that (yet). So the T&Cs they've sent are not those from the time of application and they've added my name and address? It does look like that, I didn't expect my name and address to appear on the T&Cs, have they done that to make it look more authentic?. My signature appears in the expected place on the application slip right at the start. If it has been pasted in how would I ever know?

 

The first page of what I imagine is supposed to the original T&Cs refers to conditions 10, 1 etc when the first page start halfway through condition 10.

 

Assuming the CCA is reconstituted at best and incomplete at that, where would that leave me now? I'll sent off a SAR to MNBA as advised but do I need to ask Link for anything else?

 

Can I now rest easy knowing that should any sort of court action begin I can send in a defence that no valid CCA has been supplied, or I am getting way ahead of myself?

 

Thanks again (working seven day weeks at present in case anyone thinks I'm being ever so lazy in reading up on things

Micky

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lets put it this way

 

 

if I were link I'd go nowhere near a court

with a set of T&C's that I'd poss copy and pasted the debtors name at the top

[and yes they should be there]

 

 

nor one where I'd used a tear-off strip from an old application form.

 

 

but ofcourse this is link you are batting against

they'll pull any stroke to prize money out of mugs.

 

 

if you go look at other MBNA threads in the MBNA forum

or even MBNA claimform threads in the financial legal section

or the successes forum

 

 

you'll see other T&C's for you time frame.

 

 

play the matching game yourself

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Hello and thank-you, good

 

So I can ignore anything Link have to say to me in writing on the assumption that they will not go to court, and if they do I tell the court that no valid CCA has been provided?

 

And I promise to gen up on the other threads (and send a SAR to MNBA)

 

Thank-you for your help to date, it's much appreciated

Micky

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you come here first if a claimform arrives before you do anything...:lol:

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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other than a claimform no

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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  • 2 months later...

hello again, no significant news, a long blissful silence following the dubious CCA, and then a call from a young lady being a little coy as to who she was, when I realised I said my file had instructions to communicate only in writing, from the MNBA days, and hung up

 

A week later a Statement of Account and this week after that a colourful form asking for my income and outgoings

 

So as per advice I've filed both on the pile of paper in the corner of my desk and will continue to do so until a Claim Form arrives

 

Thanks again

Micky

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10/10

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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This brings back memories

 

 

I had a similar cca sent to me a long time ago,

it was put on here and everyone including myself said it was definitely a cut and paste job,

it was sold to Link.

I told them where to shove it.

 

 

I owed nearly £10k on this credit card and I told them produce the original CCA at court otherwise go and take a jump.

They did take the jump that was definitely 7 years ago now off my credit file and statute barred.

 

 

If you stop paying you will be harassed by them I can assure you but please stand your ground,

if you wish to stop paying that is your prerogative and that is something only you can decide

but with advice regarding the CCA on here and my own personal judgment

I decided that I would not pay and they never took me to court.

 

I would personally do absolutely nothing until a claim form arrives (if it ever does),

 

Just to give you a heads up here is my agreement from all those years ago they well and truly botched it up, similar to yours.

 

Hammyhound

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  • 4 months later...

Thanks for that Hammy, sorry for the late reply, I've been blissfully getting on with it, not a single scrap of anything from anyone regarding this, nada, which is excellent and I only wish I'd done it a long time ago and saved myself tens of thousands of pounds, ah well

 

BarclayCard are cutting up rough with me now, so about to start the same procedure with them, they were very good with me when i was made redundant, then it all went wrong at the end of a repayment plan, i complained they got arsey about it while still sending me compensation, it's from a very long time ago so I'm very hoping the same problems with producing anything valid will apply

 

Thanks again for the help and advice on this thread, reading it back was rather humbling

 

Micky

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  • 2 months later...

Hello all

 

Not a cheep from anyone on this, I sternly told the only person that ever called me that it was on my file that I was only to be contacted in writing.

 

I got something last week and opened it with a slightly nervous hand to see it was just a statement of account. "if you are behind with your payments, etc etc"

 

So all splendid I assume

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  • 3 months later...
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