Arrows/drydens - 1998 MBNA card debt

[dx100uk]

what is the debt all about please?

why are you blindly paying a powerless dca?

they are NOT bailiffs

 

have you ever sent them A CCA request to check they LEGALLY hold the enforceable paperwork to even demand payment?

 

dx

 

[dx100uk]

credit card debt 

who issued it ?

and when?

is this on your credit file?

what is the defaulted date?
 

[dx100uk]

Please keep to your own thread

Its doesnt until a pap letter is issued

But you must protect against backdoor ccj's

[dx100uk]

retitled and moved to MBNA forum.

 

all those DCA's are part of the came group arrows.

you MUST follow post 2 below and send off the reply attached in post 2

 

 

[dx100uk]

good it no PAP then.

lets see them get an enforceable agreement for a 1998 MBNA card

NO CHANCE!!

 

you should be able to kiss this debt goodbye soon.

 

dx

 

[dx100uk]

follow post 2 here carefully

you don't need to rpt the CCA.

 

just state one has been sent and to date the claimant has failed to reply.

[dx100uk]

for debt covered by the consumer credit act:

 

NOTE ONLY USE THE ATTACHED FORM below

DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!!

DO NOT USE EMAIL

USE ROYAL MAIL 1st class - get free proof of posting from any PO counter

 

box D tick

 

I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

 

box I tick

I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]

 

I also require you to supply the following..

a copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

  

no need to do the financial statement etc anything else or send anything else bar the above

do NOT give them your phone nor email

PRINT your name

never sign the form

 

staple the £1CCA PO to the CCA request and send it to the debt purchaser

return the completed PAP form below to the solicitors that sent it to you

attain free proof of posting for BOTH at any PO counter

1st class mail will do. recorded is a waste of money

[dx100uk]

there is no fee you've already sent a CCa request

 

 

[dx100uk]

yous is the reason already there

[dx100uk]

following a recent cca request..

[dx100uk]

Nope you now ignore until/unless they cough it up

and ofcourse stop paying if you are/were

[dx100uk]

no pointless letter tennis!!

they know the score.

 

cant hurt you IF IF IF [doubt it] they latterly comply 

re read your thread please

[dx100uk]

aw they lost their cash cow and am now having tgo play copy and paste to see if they can con us that the bogpaper they will send claiming to be your signed CCA is just that...

pigs might fly too.

 

dx

 

[dx100uk]

yes ofcourse it is.

 

I would simply use the MBNA website PPI reclaim button

things close om the 19th.

 

dx

 

[dx100uk]

Use the fos ppi questionnaire only

[dx100uk]

open

dx

[dx100uk]

must be low on free money for their staff xmas party.

 

 

[dx100uk]

why?

 

dx

[dx100uk]

you were being cash cowed by a fleecing DCA that holds no enforceable paperwork.

you were  blindly paying because you thought a dca or their dogs had some kind of magical powers over you when they hold nothing,

 

yours is not the next move...other than to make sure you are not being cash cowed on any other debts......?
 

[dx100uk]

reply as you did to the last pap letter

 

dx