Hi shaniannie Would it possible to let me know which address you used for MBNA, I have a friend who wants to claim PPI from them but needs statements and such like, so needs to send SAR to MBNA any info on what address to use... Cheers AFW

Tried to have a read at the above case, my head is spinning so fast I can't take anything in. Cna't even decipher what its meant to say, feel like a right fool. Can anybody tell me what should be on the CCA (or Application form) to make enforceable.

Hi They sent an application form and a set of terms and conditions, which according to some other caggers on here, it seems as though this is enough to satisfy a judge and has let the DCA proceede with the Bankruptcy.

Many thanks Brigadier, I have to sign off just now, hospital appointment for hubby this morning. Will be back on later today.

Hi Brigadier House is in joint names and debt in husband name.

Found this thread this morning, while trying to find some help on Bankruptcy and Mental Health issues, got wind that one of our creditors who does not have a copy of CCA only an application form, invalid default notice also is going to make my Husband Bankrupt for approx £20,000. Dont want to mention the DCA as yet I know they monitor this forum intensively. Have been reading through the forum and found a few Statutory demand cases on CAG and it seems some DCA are getting the Bankruptcy through the courts even although they dont have the CCA They were good at dishing the finance out a few years ago, without checking our income. His state of physical health and mental health with severe depression to the severity of not wanting to be here anymore, is really bad and has been for some years, we have quite a bit of equity in our house and are scared they will take our house away from us, cant increase our mortgage our we would to pay these debts off. Can anybody advise us what to do when they send Statutory Demand please. AFW

Found this thread this morning, while trying to find some help on Bankruptcy and Mental Health issues, got wind that one of our creditors who does not have a copy of CCA only an application form, invalid default notice also is going to make my Husband Bankrupt for approx £20,000. Dont want to mention the DCA as yet I know they monitor this forum intensively. Have been reading through the forum and found a few Statutory demand cases on CAG and it seems some DCA are getting the Bankruptcy through the courts even although they dont have the CCA They were good at dishing the finance out a few years ago, without checking our income. His state of physical health and mental health with severe depression to the severity of not wanting to be here anymore, is really bad and has been for some years, we have quite a bit of equity in our house and are scared they will take our house away from us, cant increase our mortgage our we would to pay these debts off. Can anybody advise us what to do when they send Statutory Demand please. AFW

can anybody else comment on this issue.. .i'm sure i've seen on cag somewhere that the cca has to aver to the corresponding account number the dca is chasing but have searched everywhere through cag and can't find it. ..maybe it was on another forum.. .going to do some searching. Afw

Hi DCA going to enforce court action. Please can somebody help me clarify if the account number a DCA is chasing does not match the account number on the CCA is the CCA enforceable in court. I requested copy of CCA relating to the account number they have been demanding payment for but they have issued me with a CCA with my signature but a completely different account number. They reckon they transferred my account number and changed the account number many years ago due to original card being lost stolen but cant confirm which, and I definitely cant remember this being the case. They state even although the CCA Agreement does not state the same account number they can still enforce it as it is for the same named store and has my signature on it. Can they enforce an account which does not match the account number on the CCA they have provided. AFW

Hi Does anybody know where to send a claim for PPI on RBS Credit Card. AFW

Good Luck, a friend of mine is just about to send a claim to santander, but we are not sure where to send PPI claim to, can you give us any advice please. Cheers AFW

Thats fantastic news, I had PPI with Firts National but they sold my loan GE Money, I have never known where to write to First National could u possible let me have an address from you please. AFW

Cheers citizenb, your a star.

Hi citizenb Checked rep list and yours is there, not quite sure whats happening here. tried it with your rep and FB's rep. Will get somebody to look at my comp tonight maybe its got something to do with cookie (I'm trying to get all technical here not got a clue what I'm talking about just heard my Daughter talking about this before when something wouldn't come up.

Tried clicking the star, says add to this users reputation, but no box to write anything.

Excuse my ignorance dx, whats SOC. Would we have to calculate the creit card monthly insurance payments including interest, if so is there anything on cag that can help us calculate these figures Chers AFW

found it....................

Brilliant news, I bet Mr Brandon will be relieved its bee a long haul for him. Well Done Mr Brandon. Any chance somebody could give me a link to the judgement. AFW

Thanks again dx, would we write stating that insurance was missold, dont we have to state a reason i.e. self employed, pre medical conditions. Surely we would have to state why this was missold and we cant really do that without a copy of policy, we are not quite sure if the policy covered self employment, more than likely didn't cover pre existing medical conditions. Zaraphin

Hi Update on PPI, I wrote to link advising them there was PPI on this account and there shouldn't have been. I advised Link that if they took Court action I would counterclaim with PPI claim. Link have written stating that as the account was assigned to them they did not supply the PPI on this account. Any dispute regarding PPI needs to be with Original creditor. Therefore they obviously want me to contact GE Money, do I have too could I just wait until/if Link took action and counterclaim.

Read your No. 3 sigmature, not sure how to calculate the interest. Also forgot to mention Default notice could be unlawful/defected ? not sure reaf here on CAG there was a huge case going on with someone named Durkin but can't find outcome result. I can post copy of default notice tonight. Cheers AFW

Hi PriorityOne & dx Firstly, many thanks for your help its greatly appreciated. I do have all late payment charges that I received when I SAR GE Money but not sure how to calculate contractual interest. These charges where all applied before they sold it to Lowells. Theres no PPI to claim. Amount owing approx £2,800. The copy of the CCA I uploaded on CAG was a copy of the application I signed in the store I have original but received this copy from CL Finance a while ago when I requested SAR. Whats a SOC dx ? As for letter I'm not to good a wording letters of this sort and any help you can offer would be greatlty appreciated. Cheers AFW

Wil repost

Hi PriorityOne and dx Have checked all my past thread and dont have one running for this debt. Was going to try and dispute this debt, especially with all the payments and interest I have paid them over the years, lots of charges too, however cant claim through FOS as the charges where too early and dont have the strength just now to take it to court, (Husband very poorly and has been for sometime now, but I;m feeling the strain of it all and to top it we have a new DCA that CL Finance have sold this too (dont want to mention there name as they monitor this site according to othe Cags). I thought with it being a store card application form that I filled in the store at the time of applying it may not be enforceable. ANyway I shall write explaining there is lots of charges (wont cover the debt) but will request that they accept a minimum payment from us. Many thanks for your expert opinions, its greatly appreciated. Enjoy the rest of your day Cheers AFW