Yesterday I received a 'Doorstep collection notice' from ScotCall, think I'm going to send the 'Do not darken my doorstep' letter. If this is not the right way to go, any advice is welcome. This must be the shortest 14 days in history given that Equidebt gave me 14 days to contact them re post #84. Many Thanks KAR

Hello again all, have been around but had no reason to update as hadn't heard a thing from the DCA since September 08... until today. Received a letter stating "enclosed is a copy of original credit agreement (which on the face of it, is properly executed and signed by yourself)" Actually, what is enclosed is exactly the same as the illegible application form as posted in post #12 minus the terms and conditions. Have I missed any change in legislation that now makes this an enforceable agreement? or can I request from the DCA documentation that I can actually read? Many thanks for reading. KAR

Thanks Multay, have had a look at the links that you so kindly supplied and I think you may be right. It does appear that i have 14 days from receipt of the DN and it doesnt contain the appropriate wording. I think stone cold silence from me is the way to go. I've already sent the letter you suggested in an earlier post and am yet to receive their response (if indeed i get one). Thanks again. KAR

I got this through the post today In their first letter they said that I had until tomorrow to contact them regarding repayment. I suppose it had to be defaulted sooner or later, I could never understand why MBNA didnt issue a default notice. I sent the letter that Multay kindly pointed in my direction, so am going to wait for their reply.

Thank you Multay, thats the one, I knew there was one on here somewhere but couldn't seem to find it. Thanks again KAR

Hi all, havent been around for a little while due to family commitments etc but thought it time for an update. I have now received the letter from the DCA saying they have bought the right to collect the debt and that they want me to contact them by a certain date to discuss IMMEDIATE repayment of the outstanding balance! Do I now start the whole cca action again and is there anything else that I should request? Do I also tell them that the debt has been and still is in dispute with MBNA? If the answer to the above is 'yes', is there a template letter that I can send or rehash a little or do I use the original cca request letter? Also is there anything else that I should be asking for such as a deed of assignment or do I treat this letter as such. Many thanks KAR

Oh, forgot to add that it looks like the account has been charged off as of the end of last month too KAR

Hi all, Got the reply to the non compliance letter today. Apparently MBNA do not have to keep records any longer than 6 years as the data protection act states that they dont have to! I was under the impression that they should be kept for 6 years after the account is closed. Did i get this wrong? If this is the case then am not sure what to do next. From the info they have provided me with I have paid back about £1500 more than I have spent on my card. As I cant go back any further than 6 years it could be more or it could be less. The charges applied to my account over the last 6 years work out to be about £500 (including interest) and this will not cover the outstanding balance. Any ideas for my next course of action? They cant supply the info that I need and are saying they have satisifed the CCA request (although they have still not provided an enforceable agreement) Are MBNA really this incompetant? KAR

Thank you Steven, letter typed and ready to go! KAR

Hi Jono, Just thought I'd let you know that your not on your own, I had the same postcard. They won't darken your doorstep either, they normally have a way of wording things that make you think they will be visiting when all they really mean is they will call you. Before I found this site I was a nervous wreck, wouldn't answer the phone, open letters that sort of thing in case it was MBNA calling. Now I quite look forward to their attempts at contacting me (sad aren't I) Send the letter dpick suggested followed by the telephone harassment letter if they are constantly calling you. TBH i dont know what I would have done had it not been for the advice of posters such as dpick, everyone here will give you great support and advice. Have a look at my thread it will give you some idea of the type of letters that MBNA send http://www.consumeractiongroup.co.uk/forum/mbna/134862-advice-please-mbna-alliance.html Request a copy of your CCA too, it only costs £1.00 and you never know, they might not even have an enforceable agreement. KAR

Hi all, Well, today is the 40th day and guess what arrived by special delivery, yep, the S.A.R documents. I'm a little concerned because they have not provided all the information that I requested, I asked for it to be treated as a full S.A.R not just details of the last 6 years charges. They have provided details of charges for the last 6 years but checking against the statements that I have I have already found a couple of the charges missing from their print out! They have also informed me that they were unable to retrieve any information for 2 months in 2003. As they have not provided me with everything from the date that I opened the account can I request that they do so? Would they have all the information as the card was originally an Alliance & Leicester cc? There is one good thing though, they have still not provided an enforceable agreement. It is slightly more legible than the one they originally sent to me but not by much and there appears to be no prescibed terms on it at all. I'm not quite sure what I'm going to do next, I think I can afford to wait a little longer until I decide my next course of action as I didnt get any charges until 2005. I dont want to leave it too long though as I'd like to get the whole thing sorted, its a hassle that I could do without at the mo to be honest. KAR

No, they haven't taken me to court yet, I asked them to before I even asked for the CCA. My thinking was that if it went to court at least the interest would stop and I'd at least have a chance at paying the debt off. I'd be very surprised if they took me to court now, especially knowing they have no enforceable agreement. If it goes to court I would assume now that it would be me that brings court proceedings once I have received all the info from the S.A.R KAR

My situation has been ongoing since approx September 2006 when I hit financial difficulties, had they have agreed to a repayment plan that I could afford then I wouldn't have considered going down this route. But they didn't, they wanted more (pro rata) than my other creditors, hence the hike in interest rates, charges etc that have contributed to the massive growth in my debt to them. They have already admitted to me that I must have repaid what I have spent on my card more than 10 fold, so I have sent them a S.A.R. Once I get the documentation, I shall decide on my next move. Best of luck. KAR

Hi Steven, I have been keeping vague notes on the calls that I have received but they stopped until recently. I shall now keep comprehensive notes on all calls that I receive from them, however, I have today sent them an email to remind them that everything should be in writing (not that it will stop them I'm sure). Just out of interest, have you had many volunteers? It sounds like this idea could be a winner, wouldn't it be nice to think that some of the head honcho's of the banks are made to take responsiblilty fortheir staff making these harassing calls. Many Thanks KAR

Hi Multay, It seems we are in a fairly similar situation, I too shall be watching your thread with interest. Just a thought, but have you sent them the telephone harassment letter? It should stop the calls but dont hold your breath as they do need reminding now and again KAR