Hi Scott They have provided a cca Of which i was advised was Unenforceable Do i just wait until they take me to court and then it will be thrown out? What could i send now Its getting really quite scary Thanks Agian

Thank you so much This for reference is the CCA Thanks Again egglee.pdf

The cca is unenforceable Offering a final settlement Account in dispute letter Thanks

Hi All After 6 months and 11 letters the threats continue Please see attached the most recent letter Could anybody help with a aresponse I really am at my wits end They keep phoning at work and said they had done a credit check to see where i worked? Is this legal Any help would really be welcome Montague mbnanext.pdf

Hi All After 6 months and 11 letters the threats continue Please see attached the latest one Can anyone please please help with a RESPONSE I really am at my wits end Many thanks montague Eggnext.pdf eggnext2.pdf

HI All After 15 letters and 6 months the letters still continue Please see attached the latest one Can anyone please help with a response Many thanks I really an at my wits end Montague Capital Onenext.pdf

Hi All After 5 months and 15 letters the threats continue. I really am at my wits end They even ring me at work Can anyone please give me a response to this recent letter The worry is really starting to effect my family now Thnak you all for your help Montague barclaycardnext.pdf

thnk you so much i will get a letter off offering them final and full settlement montague

bump

Thanks Silver Fox Wouls really appreciate if anyone could have a look at what MBNA have sent me and let me know if they think its enforceable Thank you Montague

bump Thank you:)

Thank you for your helpful comments Is this enough to make the agreement unenforceable Do i write back now and say i am no longer paying Sorry for all the questions Montague

Hello What is that please?

Hi all I would really appreciate your help on this one I have been battling with MBNA for the last 6 months I requested a CCA back in Jan to no avail They then sold my debt on and suddenly yesterday sent the below I would really appreciate if anybody ould look at it and advise me as to whether it is enforceable Thank you Montagaue MBNA8.pdf MBNA88.pdf

Thank you for all your responses I have a couple of questions if anyone can help. If i send a cheque saying cashing the cheque does mean agreement to my conditions and the bank cash the cheque and then sell the rest of the debt on - what can i do legally? I afraid if i take them to court it will cost me money i dont have plus the above post says take them to court to remove defa WIll this not cost me money? Thank you

does anyone know if there is a template for my reply I have searched to no avail Thank you Montague

Thank you for your prompt reply Just reading that there are such a lot of scare stories with MBNA that they then sell the remaining part of the debt on

Hi all I wrote around three months ago to MBNA and suprise suprise they could not supply me with a signed CCA After a couple of requests it became clear they did not have one - so to resolve the matter i offered them 10 % as a full and final settlement as i didn not want a default showing The letter i sent was as below I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY I write with reference to the monies which you are claiming on the above account. I am not prepared to offer to pay the monies in full as you cannot supply me with a valid Credit card agreement. However, I am willing to offer £896.00 as an ex-gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you or any associate company will take any further action to enforce or pursue these monies in any way whatsoever and that I will be released from any liability. I also request that, if accepted, you will mark any entry on a credit reference agency file relating to the above account as "satisfied" in full & any default removed. I look forward to your response which I request by 16th June 2009. Please note that no payments will be made whilst the above referenced account is in dispute. Yours faithfully However i received this morning and it after reading it a couple of times - they are almost admitting they cant come after me - so what do i do next. I dont want a default placed on my record, they cant sell it on but i just dont know what template letter to use. The letter basically said Thank you for your recent correspondence offering a full and final settlement. We have reviwed the offer and unfortuantely cannot considor a full and final settlement unless the offer of payment is 95% of the account balance. We could considor partial settlement. This would mean your account would register as a partial settlement, however we could not take any action to recover the final amount. I would really appreciate any help as i am getting into a real flap. I just need to word my response properly Thank you Montague

Thanks guys for all your help Cancelled my Direct Debot today and sent a letter off saying thank you for the signed CCA but it is unenfoceable due to ........ See what they say Really appreciate everyones help Montague

Thank you all so much for your help and responses I guess its unenforceable then I have read all the info re pre 2005 egg agreements and just to be sure - sorry to keep asking But is this enough to stop paying Egg?? Thank again Montague

I would really really appreciate any help or comments thank you Montague egglee.pdf

Hi All I have sent two letters to Egg requesting my signed cca and have only had T & Cs back However 3 weeks ago i sent a final settlement figure to them to end this saga and suddenly i was sent the below I would really appreciate if anyone could look at it and advise me if its enforceable or not - its from 2001 I am fairly new to this and would appreciate any help Unfortunately i am unable to use photbucket so if anyone would be kind enough to send me their email address i can email the PDF to them. Thank you so much and i relaly do appreciate you guys help many thanks Montague

Thank you for your prompt response Am i correct in thinking they need to send me an original agreement with my signature on? In addition do you mind me asking what action you have now taken if they have not sent you your cca request. Not sure if to write again or stop payments? Again any help appreciated

Hi All I received the below response from Barclaycard yesterday Dear Mrs ........... Account number xxxxxxxxxxxxxxxxxxxx I write further to your letter and enclosed £1 fee requesting a copy of your executed agreement for the above account. Please find the following documents enclosed. 1. A copy of your original Barclaycard terms and Conditions at the time you opened your account 2. The current Credit limit on your account 3. The current Balance on your account 4. The next minimum payment 5. please note a copy of your current Barclaycard agreement will be sent under seperate cover The information we must provide to you under the terms of section 78 is prescribed by the consumer credit act 1974 and by the consumer credit (cancellation notices and copies of documents) regs 1983 You will be receiving your next statmenet shortly This complets our obligation under section 78 of the consumer credit act 1974 I would really appreciate any advice or help on what to do next. I have read and reread the forums and i am guessing they dont have my original agreement? thus the comment on sending me my current one? But i am a little unsure Could anyone please advice me on my next step Thank you so much for your help Montague

Hi all I am currently with Payplan but due to the fact i applied for one of my barclay loans online - I know i never signed anything. Advice neededplease. Is it worth writing to barclays for a contract request or ill it rock the boat with Payplan - just scared Barclays will turn around and request the full amount if i asked for a copy. Mnay thanks