Jump to content


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5145 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

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

 

Thanks

Recommended Posts

Issue1: I am to make an outstanding payment to MBNA of £300 and I was wondering given that the owe me circa £2600 in charges, (my montly payment would be far less & so my charge far less): do I 'NOT' pay them until my action against

them has been settled :-D:-D or am I requried to pay them :-x:evil: ?

 

Issue 2: About two months ago due to interest charges applied by MBNA on my account it took me over my credit limit some £269. They are now claiming that back + the above repayment charge.

 

Can I contend that given that they owe me £2600 I would never have gone over my limit etc...etc....?

 

Are there template letters available or has anyone had experience in either or both of my cases and if so advice and letters would be welcome?

 

TIA

 

ONY

  • Barclaycard (2 Accounts) CCA sent to both on 20.5.07 (defaulted)
  • MBNA CCA defaulted 14.6.07 (Claim £2600)
  • Capital one: Reject offer LBA 18.6.07
  • HSBC/Metropolitan/DG Solicitors: Credit agreement not found by DG Solicitors. Sent new CCA to Metropolitan 18.6.07 with original timeline 18th May 2007.

Link to post
Share on other sites

I think I need this moved across to the MBNA forum. (Moderators please help)

 

Thx

  • Barclaycard (2 Accounts) CCA sent to both on 20.5.07 (defaulted)
  • MBNA CCA defaulted 14.6.07 (Claim £2600)
  • Capital one: Reject offer LBA 18.6.07
  • HSBC/Metropolitan/DG Solicitors: Credit agreement not found by DG Solicitors. Sent new CCA to Metropolitan 18.6.07 with original timeline 18th May 2007.

Link to post
Share on other sites

I presume you have started a claim against mbna for your charges back ? If your charges are more than you owe them.If you have not started a claim.Then do so immediately. Then write to them:

Ask your creditors to hold action on your account.

 

1 High Street,

Newtown,

Kent

R21 4RH

 

June 28, 2006

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number

 

We are writing to inform you that we are seeking advice and assistance regarding our current financial difficulties.

 

To this end, we would appreciate if you could hold any action on the above account for a period of at least 28 days.

 

Also, during this period, could you please freeze interest and/or any other charges accruing on the above account.

 

We look forward to hearing from you as soon as possible.

 

Yours faithfully

Mr A N Other

__________________

 

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

Link to post
Share on other sites

Thanks Parkvale.

 

(Been nosing around): Should I hit both of them with a CCA letter....if they have the CCA then I can go straight to claiming my money back, if not then I can, if the they fail to submit my CCA in the designated frame then can remove the debt.

  • Barclaycard (2 Accounts) CCA sent to both on 20.5.07 (defaulted)
  • MBNA CCA defaulted 14.6.07 (Claim £2600)
  • Capital one: Reject offer LBA 18.6.07
  • HSBC/Metropolitan/DG Solicitors: Credit agreement not found by DG Solicitors. Sent new CCA to Metropolitan 18.6.07 with original timeline 18th May 2007.

Link to post
Share on other sites

A cca letter?? CCA being consumer credit act. I think you mean a DPA. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html. Which will start you on the process of receiving your statements and claiming your charges back.Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

Link to post
Share on other sites
A cca letter?? CCA being consumer credit act. I think you mean a Data Protection Act. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html. Which will start you on the process of receiving your statements and claiming your charges back.Good luck.

 

THX Parkvale;

 

I am also informed from this thread that I can use the CCA approach.

http://www.consumeractiongroup.co.uk/forum/general-debt/90261-mbna-response-2.html#post838058

 

Which is it?

  • Barclaycard (2 Accounts) CCA sent to both on 20.5.07 (defaulted)
  • MBNA CCA defaulted 14.6.07 (Claim £2600)
  • Capital one: Reject offer LBA 18.6.07
  • HSBC/Metropolitan/DG Solicitors: Credit agreement not found by DG Solicitors. Sent new CCA to Metropolitan 18.6.07 with original timeline 18th May 2007.

Link to post
Share on other sites

ony,6) If the creditor under an agreement fails to comply with subsection (1)—

 

(a) he is not entitled, while the default continues, to enforce the agreement

 

 

Therefore, once the default is rectified, whatever the timescale, he may enforce the agreement once again.

Sorry about that. Yes try The CCA route.GOOD LUCK.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

Link to post
Share on other sites

Thx for the clarification!

 

Will keep you informed as to progress.

  • Barclaycard (2 Accounts) CCA sent to both on 20.5.07 (defaulted)
  • MBNA CCA defaulted 14.6.07 (Claim £2600)
  • Capital one: Reject offer LBA 18.6.07
  • HSBC/Metropolitan/DG Solicitors: Credit agreement not found by DG Solicitors. Sent new CCA to Metropolitan 18.6.07 with original timeline 18th May 2007.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...