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I know they are here, but I cant find them .... CCA request

oscar52
oscar52 Posts: 2,272 Forumite
in Debt-free wannabe
As stated, I want the links for the CCA request.

Marbles have royally ticked me off and have refused to do anything to help me, pointing to their T&Cs, which apparently, just about say "we can do what we like"

I know its unlikely with most, but before anyone gives me a hard time, I am not trying to avoid debt, just gain ammunition to force marbles to help.

Thanks in advance.
No Longer works for MBNA as of August 2010 - redundancy money will be nice though.

Proud to be a Friend of Niddy.
no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date
«1

Comments

  • Mimi_Arc_en_ciel
    Mimi_Arc_en_ciel Posts: 4,851 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    i thought i had one on pc but can not find it now!! go to nationaldebt website - they have them on there x
  • Mimi_Arc_en_ciel
    Mimi_Arc_en_ciel Posts: 4,851 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    heres one i found searching forums

    http://forums.moneysavingexpert.com/showpost.html?p=4941606&postcount=1
  • GeorgeUK
    GeorgeUK Posts: 7,737 Forumite
    Templates: http://forums.moneysavingexpert.com/showthread.html?p=11636295#post11636295
    Details: http://forums.moneysavingexpert.com/showthread.html?t=578486
    After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91

    Dad Gift 6k ¦ Savings & Inv Tst: £2,500
    Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0

    Total Owed: £2,270 (+6k) 11/08/2011
  • oscar52
    oscar52 Posts: 2,272 Forumite
    Not sure thats the right letter George. I cant really state I do not acknowledge the debt given I have complained of the interest rate (if its required for the letter, forgive me)

    All i seek is if the agreement is enforceable, which, with luck, will give me some bargaining power with getting them to reduce interest.
    No Longer works for MBNA as of August 2010 - redundancy money will be nice though.

    Proud to be a Friend of Niddy.
    no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    National Debtline template: Factsheet | Getting a copy of your credit agreement, account details and a statement of account.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • oscar52
    oscar52 Posts: 2,272 Forumite
    Thanks fermi,

    I printed that one off already - was looking for one stating signed agreement (although i know they dont have to provide signatures, unless it is a SAR.

    I will see how i get on with that one.

    thanks All
    No Longer works for MBNA as of August 2010 - redundancy money will be nice though.

    Proud to be a Friend of Niddy.
    no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date
  • oscar52
    oscar52 Posts: 2,272 Forumite
    Ok, quick question.

    Track and trace says the item was confirmed delivered from the b'ham office today - i assume therefore that i can start counting the tweleve days from Tuesday being day one? - so should expect a response by 10 September - 12 working days.

    Is that right?
    No Longer works for MBNA as of August 2010 - redundancy money will be nice though.

    Proud to be a Friend of Niddy.
    no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date
  • oscar52
    oscar52 Posts: 2,272 Forumite
    anyone ???
    No Longer works for MBNA as of August 2010 - redundancy money will be nice though.

    Proud to be a Friend of Niddy.
    no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    If you have counted 12 working days from their receipt, then that should be right.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • oscar52
    oscar52 Posts: 2,272 Forumite
    Thanks fermi

    I think I actually counted from next tuesday, so in that case am actually giving them an extra day.

    Already seen the answer to my next question in another post - do I have to wait the 30 days before withholding payment, or just the 12.
    No Longer works for MBNA as of August 2010 - redundancy money will be nice though.

    Proud to be a Friend of Niddy.
    no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date
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