debt help scotland

[razorc]

good evening all just a update from were I am

2nd letter from cabot for the 2 cca sent on 8/9/23 (MBNA) , received the 2nd letter today dated 1sep for the 2 accounts, they are still trying to get the info from MBNA , looks like they cant find them

 

[dx100uk]

now raiding the filing cabinets and doing some copy n paste and then claim a reconstructed agreement is aok and they are the masters... NOT!!

[razorc]

hopefully it doesnt turn up,  also just noticed on credit file , mbna are gone , and now its cabot is on it for both accounts , wil they fall off after the 5 years 

 

[dx100uk]

a debt buyers name replaces that of the oc as its been sold

plenty of cabot threads here get reading up.

dx

 

 

[razorc]

will do dx , 

[razorc]

evening dx100 

am trying to post on my thread but theres no button for me to do it , any ideas

 

[razorc]

good evening all

wondering if somebody can check cca received from cabot after sending them cca request , they sent letter couple months ago, but received it today

is it ok pdf format

many thanks

[honeybee13]

Thread reopened.

HB

[razorc]

thank you honeybee13

[honeybee13]

4 minutes ago, razorc said:

evening dx100 

am trying to post on my thread but theres no button for me to do it , any ideas

 

The thread may have locked itself. I've just posted on it, so you could try again. Are these two separate queries you've just posted about, or the same one please?

HB

 

[razorc]

you can delete them , so i can report into my post , if thats ok

good evening all

wondering if somebody can check cca received from cabot after sending them cca request , they sent letter couple months ago saying they couldnt find it , but received this today

is it ok pdf format

many thanks

heres the cca they have sent , blacked out my details 

many thanks

 

Cabot MBNA CCA return.pdf

[dx100uk]

On 07/09/2023 at 20:39, dx100uk said:

now raiding the filing cabinets and doing some copy n paste and then claim a reconstructed agreement is aok and they are the masters... NOT!!

good guess 3mts ago.

its interesting how they say that it might or might not be a recon (must state which IMHO) but eitherway it enforceable they claim.

not on MBNA letterhead or any MBNA numbers or markings around the margins - and i think thats why its faked 

have a look around at other 2021 MBNA CCA return PDF's.

pers i think thats a real one but one they've inserted your name and address for the correct time of take out? cause that looks SOOO..easy to do 

and theres no sep T&C sheets?

threads merged 

dx

 

 

[razorc]

afternoon again , 

so having a look at the cca they sent , looks ok and as you say dx100uk could be just made up , 

whats my options , am i better setting up payment arrangment with them 

many thanks

Edited January 7 by razorc

[dx100uk]

why?
they have zero legal powers 

IMHO its a faked one.

have you checked other PDF uploads as advised

 

[razorc]

point taken dx100 , just because the produced a cca  I would need to agreement a payment plan with them

yeh having a browse again for them

 

 

[dx100uk]

section B missing too

Your agreement with us is made up of both Part A (Credit Card Agreement) and Part B
(Additional important terms). You should read both parts carefully.

so its not a compliant CCA return anyway