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72k in debt....I feel sick

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Comments

  • moneymeltdown
    moneymeltdown Posts: 264 Forumite
    hello all, firstly a massive thankyou to everyone here who offered me support and offers of food! your kindness has really touched me and made me feel a lot happier and less lonely :) xx

    i got through yesterday even though it seemed like one of the longest days of my life. the dca did return on christmas eve but didn't ring my bell... they just posted the SD through the letter box so i got that on christmas day. gulp. for such an important document,it seems odd that it would just be hand delivered with no proof of delivery/signature etc

    i do have what looks like an application form here from MBNA...does this count as a cca? x
    "happiness is...positive cashflow!":j
  • moneymeltdown
    moneymeltdown Posts: 264 Forumite
    also,the cca wasn't sent to me within the 12+2 time period. i have just been googling statutory demands and it's really scaring me
    "happiness is...positive cashflow!":j
  • 10past6
    10past6 Posts: 4,962 Forumite
    10past6 wrote: »
    Have you posted what they sent to you on here?
    OK can you link me to what you posted? I want to take a look at what they sent you
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • 10past6
    10past6 Posts: 4,962 Forumite
    moneymeltdown wrote: »
    i do have what looks like an application form here from MBNA...does this count as a cca? x
    I need to see what they sent.
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • moneymeltdown
    moneymeltdown Posts: 264 Forumite
    hi 10past6 shall i scan it in and PM you? it's got all my details on it don't really want to post it publically...it looks like the application form i filled in years ago for the dreaded mbna credit card
    "happiness is...positive cashflow!":j
  • 10past6
    10past6 Posts: 4,962 Forumite
    Don't Post Any Personal Details, Not Even To Me In A Pm If You Can Help It.
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • 10past6
    10past6 Posts: 4,962 Forumite
    moneymeltdown wrote: »
    it looks like the application form i filled in years ago for the dreaded mbna credit card
    It may well be, but if it's not got the "Prescribed Terms" on it they can *** off
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • moneymeltdown
    moneymeltdown Posts: 264 Forumite
    ok where will the 'prescribed terms' be ...i am looking at the app form now x
    "happiness is...positive cashflow!":j
  • moneymeltdown
    moneymeltdown Posts: 264 Forumite
    ok it's my mbna cc app form photocopied

    one side has my applicant details...name address occupation income etc

    the other photocopied side has "Financial and Related Conditions" on it and lots of info regarding the consumer credit act...could this be the prescribed terms buit? ughhhh!
    "happiness is...positive cashflow!":j
  • 10past6
    10past6 Posts: 4,962 Forumite
    NO

    A valid CCA must have

    Amount of repaymnets

    Number of repyments

    Dates of repayments

    Frequency & timings of repayments

    How they are laid out can vary, but the "Precribed Terms" above must be on show.
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
This discussion has been closed.
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