Cca Requests Updates Please

aaxsabian

i have had nothing back from mbna reference a cca request done the usuall " account in dispute " and still nothing what would you suggest is my next move ???

10past6

aaxsabian wrote: »

would you suggest is my next move ???

Nothing, let them make the next move

aaxsabian

10past6 wrote: »

Nothing, let them make the next move

should i continue to pay them my token payment

pebbles88

could someone refresh my memory as to the date when legislation changed in regards to the CCA's???? Im thinking 2006/2007?

10past6

aaxsabian wrote: »

should i continue to pay them my token payment

That's your choice, if you've requested your CCA, and they have failed to provide it with the allocated time-scale, legislation states "They cannot pursue you for payment"

aaxsabian

10past6 wrote: »

That's your choice, if you've requested your CCA, and they have failed to provide it with the allocated time-scale, legislation states "They cannot pursue you for payment"

thanks for that 10past6, just getting all my thoughts and paper work together at the mo as barclaycard have only sent bac t&c's back, Lloyds tsb after 1 month have sent a letter back with " when we locate it we will forward it to you so just working through everything , of course with the fantastic help from yourself and everybody on this site
i would have not got this far if i had not taken the advice and found the courage that you all instill in everyone that reads these post :T :T :T

blueforyou

aaxsabian wrote: »

i have had nothing back from mbna reference a cca request done the usuall " account in dispute " and still nothing what would you suggest is my next move ???

Hello, Problems seem to have started with MBNA denying they have recieved any letters (even though you may have proof of delivery). Be careful with them, and if they start acting up - ie you receive threats despite asking for CCA etc - PLEASE post.

They cannot be trusted (but can any of these shabby firms?)

aaxsabian

blueforyou wrote: »

Hello, Problems seem to have started with MBNA denying they have recieved any letters (even though you may have proof of delivery). Be careful with them, and if they start acting up - ie you receive threats despite asking for CCA etc - PLEASE post.

They cannot be trusted (but can any of these shabby firms?)

thanks for that blueforyou, have you had dealings with mbna ??

dvs

blueforyou wrote: »

Hello, Problems seem to have started with MBNA denying they have recieved any letters (even though you may have proof of delivery). Be careful with them, and if they start acting up - ie you receive threats despite asking for CCA etc - PLEASE post.

They cannot be trusted (but can any of these shabby firms?)

We sent a request and then a follow up request and they denied they had received the letters when they called. Six weeks after the second letter, they replied so I think that must be snowed under.

rog2

blueforyou wrote: »

Hello, Problems seem to have started with MBNA denying they have recieved any letters (even though you may have proof of delivery). Be careful with them, and if they start acting up - ie you receive threats despite asking for CCA etc - PLEASE post.

MBNA can 'deny having received the cca request' as much as they like. Provided that the debtor can prove that they have received it, then the clock starts counting from that date.
It is not the debtor's fault if MBNA's internal systems are disorganised - indeed, MBNA have a 'duty of care' to ensure that they can work within the framework of legislation.
Personally, I think that they find it 'more convenient' to state that they have not received communications when those communications do not suit them.