unenforceable credit card agreememnts

never-in-doubt

maz1964 wrote: »

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:

Morning Maz - i've offered help as best I can - see pages 1, 2 and ermm 3! :rotfl: :rotfl:

never-in-doubt

tobymush29 wrote: »

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???

Take this as you read it cos clearly you're not listening - instead of posting on here, where you're getting nowhere fast - POST HERE! Unenforceability & Template Letters III

All the letters, processes and questions you'll ever need to ask are there. For the last time now, if you want to pursue unenforceability then go and read the first 2 pages from start to end and you'll then know what to do from here on in.

p.s. a little hint - send this! Debtors Final Response - No CCA Received

Good Luck

maz1964

hiya niddy and toby

oops that will teach me to read from the start and not just the interesting middle bits:rotfl::rotfl::rotfl:

and there was me feeling all very helpful today and the good advice is already being given by you niddy

how could they insult you in that way and especially working for That company my most hated creditor of all time muppets:p

off to do some housework so i will slink off now before i get myself into any more trouble,

glad the thread has your watchful eye over keep happy all

laters maz

never-in-doubt

maz1964 wrote: »

and there was me feeling all very helpful today and the good advice is already being given by you niddy

how could they insult you in that way and especially working for That company my most hated creditor of all time muppets:p

laters maz

Hi Maz

you are being helpful - silly and as for that clown suggesting I work for MBNA, well I think my response kinda put paid to that stooooopid notion! :rotfl: :rotfl: :rotfl:

Have a good day - catch up with you later

tobymush29

Hi all been along time,so here's the update Mbna has issuses restons solicitors to issue a ccj against me at Northampton county court,I decided to defend the court action & got myself a defence solictor who wrote to restons informing they would defend me.today I've recieved a letter from restons stating I have no defence,that my solicitor is no longer action on my behalf and that they're taking me to my local county court,in the letter they have included a photo copied balance transfer,I'm at present trying to get in contact with my solicitor. Any advice out there please????

Fiddlestick

Can anyone tell me when a lender has actually lost an unenforceability claim in court?

I.e. where the judge has actually ruled that the debt was unenforcable?

tobymush29

Re:Simon p. I came on this forum for help and idvice not to be ridiculed thanks for the kind words of you seeing humour in someone elses grief

ILW

tobymush29 wrote: »

Hi all been along time,so here's the update Mbna has issuses restons solicitors to issue a ccj against me at Northampton county court,I decided to defend the court action & got myself a defence solictor who wrote to restons informing they would defend me.today I've recieved a letter from restons stating I have no defence,that my solicitor is no longer action on my behalf and that they're taking me to my local county court,in the letter they have included a photo copied balance transfer,I'm at present trying to get in contact with my solicitor. Any advice out there please????

Might have been better to have given the money to your creditors in the first place, rather than handing it over to solicitors.

A_nice_fellow

tobymush29 wrote: »

Re:Simon p. I came on this forum for help and idvice not to be ridiculed thanks for the kind words of you seeing humour in someone elses grief

Pull the other one mate, you're the one who was trying to take advantage of a "legal loophole" without the faintest idea of what you were doing, while at the same time quite clearly being morally obligated to pay back the debt.

People like you make credit less affordable for the rest of us more honest folk. Of course I'm going to laugh at you, you've brought this entirely on yourself. At least most of the other posters here have ended up in a spiral of debt and have had no other way out, you're a chancer and a thief.

BLT_2

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?

So you dont want to repay the money you borrowed and you also want a refund of your PPI.

Is it any wonder credit card interest rates are so high