Unenforcable credit cards

Tartanjohnny

Why is it companies such as Cartel are offering to wipe debt away. I was contacted by Cartel and they asked ofr a fee of £395.00 to wipe off my £3,000 MBNA CC. They claimed as my card was taken out before FEB 2007 then it was more than likley unenforcable. They did not tell me why they think this.

I viewed alot of information on the forum and decided to keep my money and do it myself with the help of the template letters. howevre MBNA have now replied and sent me my CCA.

I have no idea if it complies with the act. It appear to have all the information it should have and therefore Cartel's claim was nonsense.

never-in-doubt

Tartanjohnny wrote: »

Why is it companies such as XXXXX are offering to wipe debt away. I was contacted by XXXXX and they asked ofr a fee of £395.00 to wipe off my £3,000 MBNA CC. They claimed as my card was taken out before FEB 2007 then it was more than likley unenforcable. They did not tell me why they think this.

I viewed alot of information on the forum and decided to keep my money and do it myself with the help of the template letters. howevre MBNA have now replied and sent me my CCA.

I have no idea if it complies with the act. It appear to have all the information it should have and therefore XXXXX claim was nonsense.

Have you checked the agreement against the prescribed terms (5. Prescribed Terms)? Does it clearly say consumer credit agreement regulated by the CCA 1974 at the top or does it say 'application form' or 'terms' etc?

Read here for easy to follow process - Unenforceability & Template Letters II

Susie56

For sure some MBNA's are unenforceable. MBNA settled two unenforceability claims week before last just before they were due to go for trial in Manchester Mercantile Court. Wrote all money off, removed defaults and are about to pay a large amount of costs. Nothing to do with Cartel though

never-in-doubt

Susie56 wrote: »

For sure some MBNA's are unenforceable. MBNA settled two unenforceability claims week before last just before they were due to go for trial in Manchester Mercantile Court. Wrote all money off, removed defaults and are about to pay a large amount of costs. Nothing to do with Cartel though

Oh give up will you - MBNA dropped out at the 12th hour because they declared they did not have the original CCA's - nothing else at all. You are just crawling from other posts - spamming the system with junk posts - repeated junk posts! :mad::mad:

That does NOT mean all their agreements are unenforceable - I bet you don;t even know what the actual legal definition and act of unenforceability is do you?

Tartanjohnny

Yes my MBNA agreement appeares to meet all the terms. I would love to know how people have challanged MBNA and companies alike and won as MBNA will have the same procedures in place when aggrements are drawn up.

It seems unless you are willing to employ a legal expert or go to one of the many cowboy companies its not possile to challange the debt as unenforcable :mad::mad:

Susie56

Well if you bothered to read my post it said "for sure some are unenforceable".

You are right in that the claims in Manchester were with regard to Declarations for unenforceability under s.78 CCA 1974 . However the agreements provided were not enforceable and the debts have been written off in full by MBNA.

I doubt your knowledge of the CCA and associated regulations is better than mine - I've reviewed some of your posts................enough said.

never-in-doubt

Susie56 wrote: »

I doubt your knowledge of the CCA and associated regulations is better than mine - I've reviewed some of your posts................enough said.

:rotfl::rotfl::rotfl::rotfl:

never-in-doubt

Susie56 wrote: »

You are right in that the claims in Manchester were with regard to Declarations for unenforceability under s.78 CCA 1974 . However the agreements provided were not enforceable and the debts have been written off in full by MBNA. .

I know I was right - that's why I posted it!

Susie56

I think you must clearly be drunk. Your previous post makes no sense at all and if that is an example of your reasoning capabilities they leave a lot to be desired.

I said that "MBNA settled two unenforceability claims week before last just before they were due to go for trial in Manchester Mercantile Court. Wrote all money off, removed defaults and are about to pay a large amount of costs"

Your riposte was "Oh give up will you - MBNA dropped out at the 12th hour because they declared they did not have the original CCA's - nothing else at all."

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

never-in-doubt

Susie56 wrote: »

Your riposte was "Oh give up will you - MBNA dropped out at the 12th hour because they declared they did not have the original CCA's - nothing else at all."

Did you not see my posts under each of yours? You're trying to post something we knew about and posted a week ago! Read the thread first, that's my point!

You're not telling or teaching us anything, cos its old news and has been on here a week! You still miss my point? Scavenger is the word i'm looking for..... :eek: