m b n a cca agreement

badgerbread

I have sent a letter asking mbna for my credit agreement this was sent recorded delivery after about a year of trying to negotiate a lower interest rate which they always declined.

I get a phonecall just now telling me they are willing to freeze my interest I haven't agreed to anything yet do you think they have got the cca or not should I agree to freeze interest or not?

kylie1dw

If they are offering to freeze your interest then take it. Your cca request is a seperate issue so still persue that as well. MBNA are notoriously bad at being able to produce a properly executed agreement but just on the offchance that they might produce one at least you will have gotten your interest frozen.

bathgatebuyer

Freeze the interest! It has taken Sainsburys over a year to still be unable to produce a valid CCA for me and, despite my repeated requests, they have not put the account on hold so I have paid a few hundred pounds of interest in the tmie it has been referred to the FOS while awaiting a decision.

It may take a while to resolve your case, so take whatever they offer you.

Personally, I would agree over the phone but then send them a letter confirming your agreement following the telephone discussion.