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Time Card Help please ??

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I have had an account with Time retail finance which was passed on to Activ debt recovery, my question is should i write to Time Finance to find out what charges have been incurred, with a view to reducing the said charges or Activ.


Also i had a loan with MBNA which was passed on to Direct Legal & collections which party will i have to contact regarding the charges i have incurred on the account with a view to a reduction also


I do not have the account numbers for either time retail or MBNA anymore


any help would be appreciated



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first send cca requests to the debt agency's this will make sure every thing is above board there you will need to send £1 with each (postal orders) then you can send SAR requests + £10 to time and mbna this will give you the information you need once you have that come back here for any more advice you dont need acct numbers as they should be able to find you from name and address

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Be aware though, MBNA WILL attempt to stall you by sending back your payment with a letter saying they haven't treated it as a full SAR.


Check out the MBNA forum and read a few tales of mental anguish, they are one of the worst to get to comply with requests.

Nil Illigitimus Carborundum

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