cca x 4

OHNOANOTHERDFW

ha ha, I dont care , just he got us into this mess, she, with ALOT of help from forumites like yourselves is getting us out of it

letters all done, off to get some zzzzz's

night

OHNOANOTHERDFW

Hello,

well the postman brought a 4th cca from MBNA, but its for an old account opened in 2001, totally different account number to the one I requested. I have phoned them and they have confirmed the account they sent is closed. They suggested my letter must have had the wrong number on it, I explained calmly I had a copy of the letter sent by recorded delivery in front of me and I have quoted the correct number, and they have failed to reply. The lady couldnt say much and couldnt confirm whether the CCA was being looked for, had been sent, and she couldnt send a message saying the wrong one had been issued

Me thinks, that I need to write to them re the 4th account stating they have nt complied with my request and 12+2 has now elapsed,

you guys agree?

thanks

DarkConvict

i agree, send the reminder letter.

OHNOANOTHERDFW

Thanks Dark, this one? should I reference the wrong one they sent or just leave that bit out?

thanks again

---

Dear Sirs,

Account No: XXXXXXXX

I refer to my letter dated XX/XX/XXXX in which I made a formal request under the Consumer Credit Act 1974 (CCA1974) s.77-s.79 for a true copy of the regulated agreement refered to in the above account number. You are reminded that you are obliged to supply this under s.189 whether you are the original creditor or not. I also enclosed the statutory fee of £1.00.

To date you have failed to comply with my statutory request and have defaulted in respect of this account. Additionally this alleged agreement is unenforceable until such time as you come out of default or enforced by a court of law. It is a further offence to attempt to enforce this alleged agreement until such time as your default is revoked.

Consequently I am ceasing all payments to your company until such time as this matter is resolved. It is also my intention to report this matter to the appropriate enforcement authorities.

I await your prompt response.

Yours faithfully




Sign digitally

OHNOANOTHERDFW

bumping up - in case I have missed dark with this one?

AMBERSHADOW

Very strange

never-in-doubt

Please dont paste the text of the templates! Just use the link, from my thread!

Yes, that is the reminder letter to send!

DarkConvict

I agree, I won't bother adding in they sent the wrong one, you requested account x, they sent account y. They legally have to send you account x.

OHNOANOTHERDFW

sorry Never, worked out how to link it now

thanks dark and never for your guidance.

letter for 4th CCA reflecting no reply now ready (will send reocrded in the am)

thanks again

OHNOANOTHERDFW

ok, on the original letter (which I kept a copy of) I managed to switch two of the digits so for example instead of account number 12345678 I might have put 12346578.

I have just noticed this

Do you think I should

a - start whole proces again, sending £1 with a new CCA request AND the correct credit card number

b - send the chaser letter above anyway, quoting the correct account number

My concern with B, is in court whilst I would have the chaser letter correct the orgiinal letter clearly asks for a 16 digit credit card number which doesnt exist......gulp I am so annoyed with myself

yours,
mrs (UN)organised!