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CCA request to DLC /MBNA


MJC1973
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Hi guys, hoping someone can assist with the latest letter received from DLC... Below is a long-winded background to the simple question - "What do I do next?"

 

I wrote on the 27th July 2016 requesting my CCA:

Template removed - read our rules dx

 

 

And received a statutory response on the 9th August 2016 stating DLC had requested it from the original lender, MBNA.

 

I heard nothing until today, opening the attached scanned (and redacted) letter from DLC.

 

 

In summary they state:

 

Due to the age of the account the original executed agreement is currently unavailable; &

Whilst we may not enforce the agreement, the monies remain outstanding; &

They go on to quote McGuffick vs. RBS using it as a precident as to what is considered "enforcement"

 

Thanks in advance one & all

DLC Letter.pdf

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Ignore until unless they issue a claimform

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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Thanks dx (and sorry about the template).

 

 

we go into limbo until such time that they either find the original agreement and issue a claim form or I pay the debt off?

Was hoping there was some statutory period after which I could have the whole thing struck out and forgotten

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there is

6yrs from last payment [ statute barred]

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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  • 5 months later...

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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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Share on other sites

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If you want to post a new story then

Please

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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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