doesnt no 1 read only asking for advice no wonder peeps are in debt ffs

i sent for DPA with the £10 now they have only sent a breakdown of statements. in the DPA letter it asks for my original terms and conditions which havent been sent, so what do i need to do.i asked for statments since 1997 , they start from 2001 to 2007 also its with a dca . what action do i take from here cheers.

basically i am after the charges before the £12 was put on the account the charges since 2001 to 2005 as 2006 was frozen till i missed 2 payments jan till aprill this year i was charged the £12 hopefully they will freeze the intrest and charges as they know they are getting some payments ..

b.t.w whats a I.E form ?? the women i talked to at MBNA said a budget plan was on the cccs website ,so MBNA must have acess to my details can they see my other creditors to who im paying .

they have agreed to freeze charges if a regular payment is made ,they said the charges for late payment from jan to march wont be put back into my account as i missed payments last december till feb. im after charges dating from 2002 till 2005 as from 2005 till 2006 i was paying them on time ect.,i dont know what happens next got to wait till my DPA letter gets a response i think its a good idea to always pay them something cant beleive the hassle every 1 is having with MBNA.

first i received a letter in response to my DPA letter requesting statements ect , from mr Bailey saying they are looking into it by the 8 May thats 8 days b4 the 40 days . also i rang MBNA today asking that they freeze the charges and intrest as they have received my budget plan from MY dmp , I THINK IF YOUR ON A DMP WITH CCS they will freeze charges as they know they are getting a payment, now what i want to know will they get funny if i ask for old charges from 5 years ago . thanks for all the help b.t.w always give them a mobile no and use a spare sim card for banks ect .

im a bit worried if i claim for the money they have given back only part so do i just ask for the whole lot start as they havent given me it all back, i dont wat to be done for fraud lol

but can u still claim and claim every time they put the charges on ??

after i got a claim back which they havent put all of it into my account they NWB have charged me another £28 now can i claim this its the banks fault for making me overdrawn , have i to send LBA letter also im thinking of charging the bank for my LBA letter and costs ie recorded letters ive sent its getting me down all this hassle.

cheers mate its getting difficult all this hassle , have i to send CCA to MBNA ..

im worried im paying MBNA via cccs dm plan ,now what i want to know is can i put the account into dispute whilst paying monies into the account , cccs told me they cant stop paying MBNA im paying less than i own MBNA ..

just read your thread ive had an account for 7 years and recently got into financial difficulties, ive sent DPA letter last week now ive been reading alot about this CCA letter ive not asked for 1 as ive sent the DPA .

listen i paid january and febuary my £14.99 by direct debit , now at the end of FEB i rang Vm up a indian women took my call i told her ive changed banks i need a new dd mandate, now march came after i cancelled with my bank im hit with charges,so i thought if this is how vm treat new customers im going to take my custom elsewhere, if VM cant get staff to do the job they can f--- o-- becouse next stop is the office of fair traiding .. btw i was paying my bill on time until as it was by dd surley they could have wrote to me saying we cant get it from ur bank ect so the indian women is to blame ..

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MBNA have until 16 may to reply to my DPA , so do they MBNA send my statements ect , im confused what does ts mean?? thanks for your info looks like MBNA are difficult but once you involve ic ect they sit up , think i am going to have to read and learn its getting scary and im worried about all this .i wouldnt mind it was on news tonight a businessman from Norwich as just won £35,988 from Nat West after accusing it of charging unlawfull charges, Nat West said it was settling the case only becouse its legal costs are too high . so lets take MBNA to court if Nat West can pay out why not MBNA something is wrong .

can you send a link for the letter i need to send cheers. also it was virgin media s fault as they didnt send me another dd form to fill in, they did send a letter refering to my previous letter saying sorry your not happy but do to a busy schedule it will be 10 more days untill they respond,basically trying to squeeze more money out of me.

dont rush into it read and ask questions good luck

every time i phone its always busy .

after 40 days and i dont get a reply i photo copy DPA i sent to MBNA, im also on a debt managment plan with cccs do i explain this to ico ?

hey these Virgin media have charged me when it wasnt my fault, i changed banks and asked some 1 on the phone to send a new dd form for my new bank details next thing late charges ect what are they playing at .

i only sent it 0n 1 st April, i havent sent a cca just the above.

VIRGIN MEDIA MATRIX COURT LLANSAMLET SWANSEA SA7 9BB

no i sent a DPA i Abbey credit card,po box 1004 MBNA Europe bank ltd chester business park Chester CH4 9ww Data Protection Act disclosure request Dear Sir/Madam ACCOUNT NUMBER: Please supply me with a complete list of transactions and charges relating to my account since, 07/04/01. Alternatively a complete set of statements for that period will be acceptable. Furthermore please provide me with a copy of my/our contract with you, and a copy of my original terms and conditions. I make this request Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts. Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my business with you. If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request. I enclose the statutory maximum fee of £10.00 to access ALL data held by (Abbey mbna) about myself. You should be fully aware of your statutory obligations under the data protection act and that any failure to comply to this request could result in an investigation from the Information Commissioners Office. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me then I shall be reclaiming them. I am sure you are now aware that due to the sheer amount of these letters you receive plus the massive media attention, that every time you receive one of these letters it will be followed up by a request for a full refund of any disproportionate penalty charges, this will give you 14 days to do so before court action. Please note if I have to take court action to reclaim these charges then I will do so. Therefore, to save yourselves some time and money, if you could just refund all these charges dating back for the maximum 6 years immediately you will not incur the court fees, statutory interest pursuant to s69 of the County Courts Act 1984 at the rate of 8% per annum for which I would be entitled, nor costs for having to retain your own solicitors. Such submissions from yourselves, that the relevant data is now only held on Microfiche in date order and can only be provided at extra cost etc is unacceptable as it implies that such data is nonetheless retrievable. In these circumstances, as opposed to copies of statements for the micro-fiched period, I will accept a detailed breakdown of all charges levied to my account in date order. Yours faithfully it looks like sar and cca is in the DPA MBNA are a obstacle ive just got some charges from nat west..

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dont forget include a £10 postal order and write "DPA request fee only" across the back of it. Send the letter by Special next day guaranteed delivery. Keep the receipts. Keep a copy of the letter as well.