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CCA Request
MissSensible
Posts: 29 Forumite
Hi Everybody,
It is a new year and I feel I need to get myself sorted so I am back on my journey to becoming debt free.
Could I ask some advice as I know you are all very knowledgable people.
I sent MBNA a CCA Request letter last month.
Today they have sent me all the statements plus a print out of what looks like a data base of my information ie name, address, dob, bank details, account number.
I was expecting a copy of the original form that was filled in and signed by myself.
Should I have received this or is what I have received the correct documentation that they legally have to send to me when sending a CCA Request.
Thank you so much for your help. I have looked through the forum and cannot see any information that clarifies what I should have received.
Take care
It is a new year and I feel I need to get myself sorted so I am back on my journey to becoming debt free.
Could I ask some advice as I know you are all very knowledgable people.
I sent MBNA a CCA Request letter last month.
Today they have sent me all the statements plus a print out of what looks like a data base of my information ie name, address, dob, bank details, account number.
I was expecting a copy of the original form that was filled in and signed by myself.
Should I have received this or is what I have received the correct documentation that they legally have to send to me when sending a CCA Request.
Thank you so much for your help. I have looked through the forum and cannot see any information that clarifies what I should have received.
Take care
0
Comments
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Are you able to scan, remove all identifiers and post here?If you've have not made a mistake, you've made nothing1
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This is what they have sent.
Thank you so much for your help.0 -
What type of debt was it, bank account or credit card?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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It looks like it was a credit card and they should not be misleading you into thinking they have complied with the request, because they haven't.
See the final point on this page
https://www.handbook.fca.org.uk/handbook/CONC/13/1.html
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It is a credit card debit.sourcrates said:What type of debt was it, bank account or credit card?
Thanks0 -
Thank you so much for the help.fatbelly said:It looks like it was a credit card and they should not be misleading you into thinking they have complied with the request, because they haven't.
See the final point on this page
https://www.handbook.fca.org.uk/handbook/CONC/13/1.html
When it arrived I thought it was wrong as I was expecting something different, but then I was thinking that I did not really know what to expect.
To me it is just a print out of the information that is held on their system.
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