If you could believe them lol. They don't seem to want to put these once in a lifetime offers in writing. I have to say they are very pleasant though

Another 0ptima call today. Asking this time if I'd be willing to make a 50% of balance payment.

Just updating no reply expected. I got a call from Optima today asking me very nicely if I'd be willing to pay 60% of the balance and they'll tippex out some of the nasty red byro from my once pristine credit file. To be honest the way the judiciary of our not so great UK are pleasuring the banks it actually looks like a good deal nahhh...f*ck3m

Hi again folks.. I sent off maroondevo52s dispute letter on 20th July. I haven't had a reply to the dispute letter but I received a "default notice" on 20/8/09 demanding payment of £xxxx by 7/9/09. default notice Since then I've had a letter from Optima Legal seeking payment of the full balance. I spoke to Optima on the phone and stated to them I wasn't prepared to make any payment since I had disputed the account by letter on 20/7/09 but had no reply from MBNA. The nice lady at Optima said she would contact MBNA to try and clarify the situation. Any suggestions as to what my next move should be? Or should I wait till they start court proceedings? thanks in adavance

having a read through that 42man. looks like court is the only way to go from here. thanks for your help.

thanks MD you're a star. Just one point unsure about. Regarding this part: "To register information with a credit reference agency, you must have written consent from the customer to collate and share such information. This consent is given in the form of a signed credit agreement, so until you produce such an agreement, you may not do this." On the application form in the "DATA PROTECTION" part there is mention of allowing details to be shared with CRA, does this matter? Or is this voided by the fact that the application doesn't conatin the appropriate details to be considered properly executed? many thanks.

hello again, I got a reply yesterday with a copy of an application form.. they've sent the front of the document printed on both sides of an a4 sheet but haven't actually sent a copy of the reverse side of the original, is it worth writing back and asking for a copy of the reverse? i'd be very grateful for any opinions. IMAGE HERE thanks again

thanks for that maroondevo52, i'll be getting that off to them tomorrow. With regards to them registering information with the CRA's would I be correct in thinking that if they cannot supply me with the CCA they should remove any info they have already registered? thanks again.

quick update. still no response to my last letter. also now missed a payment and not so much as a phone call. not sure if this is good or bad thinking of sending dispute letter, could someone point me at the correct template please?

yes quite a large amount of late payment charges m8. from what I've learned on here they can't default me till I miss 7 payments? thanks

Yes maroondevo, still making payments. should i stop?

hi again right .. since my initial CCA request was sent on 09/01/09 and I haven't actually received any documents pertaining to this particular account what should I do now?

dunno mate but he's certainly twisting my mellon man

maroondevo52 you couldn't make it up mate. I was so intrigued by that reply I gave them a call this afternoon to try and get some clarity. Well 3 calls actually. First call I asked to be put through to compliance department and got an Indian sounding chap. I asked to speak to Bez Sh@w. The Indian sounding chap put me on hold for 6 minutes then killed the call. Second call I asked to be put through to compliance department and got an Indian sounding chap. Again I asked to speak to Bez Sh@w. The Indian sounding chap put me through to a scouse sort of accented fellow who said he was Bez Shaw and took my details and passed me on to a nice lady who tried to put me through to Bez Shaw. wtf? Third call I asked again to be put through to compliance dept. This time I was connected to a mancunian type chap who told me Bez Sh@w was in fact on holiday. I'm now starting to wonder if this Bez fella actually exists or if he's a figment of my postmans imagination. :-|

I wrote back to ol' Bez and pointed out that the stuff he/she/it/they had sent me wasn't actually anything to do with the account in question. I got a reply back in a blisteringly fast 3 days to the effect that they were fairly sure it was but could I send the documents back to them just so they could make sure lol. Honest .. I very nearly wet myself.