Charles Howard & Partners

10past6

worried_jim wrote: »

Do you think it would be prudent to send the template letter in post 5 to mbna aswell ?

Whoever you have a credit agreement with Jim, send the letter in post 5.

A creditor will do what they please regarding the next move, requesting your credit agreement works in your favour everytime, it keeps you one step ahead of them should they decide on the next move whatever that may be.

Bear in mind, without an enforceable agreement, they can't take the next step.

*They will because some of them belive they're above the law, however, the balls and legislation is on yourside* :rotfl:

RAS

Jim

10past6 is right.

The chances of a 2001 MBNA CCA being legally compliant are samll.

Please do this to them all as there is a good chance that they are unable to take any legal action to enforce these debts, as long as you contest any action.

worried_jim

worried_jim

had another today-

worried_jim

but I know that they are getting regular payment on my payplan arranged dmp and that this has been happening since January. I received a phone call from them about 10 days ago and I refused to identify myself and they got arsey and hung up cos I laughed at them. I am pretty sure that they just want me to call and offer more money, but I cant afford to do this, are they a bunch of chancers?

RAS

Jim

A number of these agencies send automatically generated letters accusing people of not paying every few months irrrespective of whether they are paying or not.

What date did you send the CCA letter to them? What response have you received from them?