unenforceable credit card agreememnts

ILW

tobymush29 wrote: »

no theres no other issues,not what i know of,i did have ppi on it many years ago,& i struggled like hell to get it removed but after much persistance i had removed.

So basically you just don't want to pay.
NIDs your man then.

tobymush29

no never had it refunded,would it be worth trying to get it refunded only if i fail with cca? or get it back now,cant recall how much i paid.would i just be pushing my luck that little bit too far?

never-in-doubt

ILW wrote: »

So basically you just don't want to pay.
NIDs your man then.

Not me mate lol - keep me outta this one :eek:



unsubscribed......

never-in-doubt

tobymush29 wrote: »

no never had it refunded,would it be worth trying to get it refunded only if i fail with cca? or get it back now,cant recall how much i paid.would i just be pushing my luck that little bit too far?

Its your entitlement to reclaim mis-sold PPI - You usually apply this prior to sending in a CCA - the refund would reduce any debt on the account - see here for process: PPI Reclaiming Guide: £1000s for missold loan insurance...

tobymush29

thanks i will look into it

tobymush29

UPADTE! today i received a text message on my mobile from MBNA asking if i wanted to take advantage of a short settlement on my account,so i duely phone MBNA back once again i got the same snotty employee stating my account was due to go into default on friday,i mentioned the settlement,& he quickly came back with a figure of £3k to settle the debt in full,when i informed the said snotty employee i wanted to press on with the section 78 he quickly slammed the phone down,was i right to do this bearing in mind i didnt receive the settlement offer in writing?

chattychappy

tobymush29 wrote: »

i wanted to press on with the section 78 he quickly slammed the phone down

It wouldn't really have been slammed down. They would have pressed a button "slam down effect".

In fact, they don't even have buttons anymore. The rep would have "clicked" on a "slam down" virtual button on a screen.

tobymush29

UPDATE!! MDNA have today replied to the letter i sent them stating that they were in default of my account due to them not sending me my true cca,they sent me two letters, one stating im in breach of paragraph 8 of my agreement & i must pay the arrears on the account immediately,before 25 march if i dont they will take further action against me,& the other letter states that they sent out my cca,& that they will continue to administer my account as normal,also with the letter was a poorly printed out sheet of paper with my information on,address dob job title etc,& a photo copied balance transfer sheet from 2002,surely these arent my cca are they???

FATBALLZ

Toadsmoker wrote: »

Er no, interested whoever you are, I suggest you learn a thing or two about the fractional reserve banking system before you start claiming that anyone who questions the validity of their credit agreements are thieves.

Respect. I am going to refuse to pay back my loans because my next door neighbour nicked my football when I was 7.

maz1964

hiya tobymush

ive not read your whole thread but,,,,,,,,

to help you and others too have a look at this thread
http://forums.moneysavingexpert.com/showthread.html?t=2305463

just mention maz linked the thread cheers

have a fun weekend all and happy mum day to all us mums :beer: