Sub Prime Credit Thread Part II

PROLIANT

kiora wrote: »

Why you close Mr P

Never use it.

dolally_2

kiora wrote: »

Freezing to death lol its -4 at the moment and supposed to get colder

It's freezing here too. Was -14 this morning and it didn't get much warmer later on, probably -7 max, I've spent all day running back and forward to the shed defrosting water bottles for the rabbits and piggies and chucking in more straw!! Luckily the inside of the hutches seem quite toasty!

Anyone got a limit increase from MBNA yet - got my 6th statement coming up.....

kiora

dolally, where you based, I get my sixth statement from MBNA this month so will wait and see, did you pay the £100 deposit and if so do we get it back or do they credit it against the account.

fairmorn308

evening all

need a bit of advice

long story with cap one etc etc but i requested a copy of CCA and they came back with just the terms and conditions of it not a copy of me signing one. Now i know if they cant provide this the debt is wiped etc cause they need to prove i signed up for it etc etc but thats not the case. The problem is the default they filed back in 2003 etc.

Now what kind of letter do i send them now?

sutton111

fairmorn308 wrote: »

evening all

need a bit of advice

long story with cap one etc etc but i requested a copy of CCA and they came back with just the terms and conditions of it not a copy of me signing one. Now i know if they cant provide this the debt is wiped etc cause they need to prove i signed up for it etc etc but thats not the case. The problem is the default they filed back in 2003 etc.

Now what kind of letter do i send them now?

I'm not 100% on this Fairmon, but i believe if a lender can't supply you with a true copy of your CCA the debt is un enforceable.

What letter to send?

I would contact the NDL.

I know it's a cop out but i'm unsure.

moyilla

Good evening everyone

Just wanted to let you know I have received my Vanquis statement today and they have doubled my limit to £500 :j :j

Totally unexpected and I feel very pleased

All thanks to you guys though

sutton111

moyilla wrote: »

Good evening everyone

Just wanted to let you know I have received my Vanquis statement today and they have doubled my limit to £500 :j :j

Totally unexpected and I feel very pleased

All thanks to you guys though

What number statement have you received the increase on?

fairmorn308

evening sutton

kiora

Fairmorn
When in 2003 did they file the default as surely it is due to drop off this year

sutton111

fairmorn308 wrote: »

evening sutton

Hi Fairmon.

How's your luck?

Why did you want your CCA. You trying to get rid of your default?

I contacted NDL (National Debt Line) about my 2 defaults and see what the best bet about having them removed once i have finished paying them off.
They gave me some good information. Give them a ring.