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Link Failed CCA request on partner MBNA debt - now MBNA SAR has little either...

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My partner has been paying off a nominal monthly amount to Link Financial since the card debt was sold to them by MBNA.


Sent Link a CCA in June but have had no reply.


Sent a SARN request to MBNA and had a reply with only the attached request form copy and a second page with the terms and conditions.


From reading other posts I think that this is invalid and therefore unenforceable.


Would one of you more experienced people be good enough to have a look at give me your opinion.


It seems to refer to paragraphs that don't exist and there is no lending limit or interest rate shown.


We have since (last week) written to Link re their failure to supply a valid CCA and await their response!


What is our next move please?

L CCA Request Load.pdf

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once link failed the 12+2 working days time limit

you should have stopped paying

dpesnt matter what MBNA hold

they've sold it and you keep that info to yourself.

you don't chase a failed CCA



link are not bailiffs

and have

totally zero legal powers

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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