Hi
Back in February 2018 I sent Link Financial a CCA Section 78 request relating to 2 MBNA credit cards.
I had , stupidly, been paying off the debt on these cards on a monthly basis, but stopped the payments once Link failed to respond to the request in the required timeframe.
Last week, they sent me through the agreements I had electronically signed with MBNA when the credit cards were originally taken out.
A couple of things that struck me as odd on this: first, the letters from MBNA to Link are dated March 2018, so only 1 month after I sent the request to Link.
Secondly, why would Link wait for 17 months to send this through to me?
They are now requesting I contact them to set up a monthly payment again.
Any advice appreciated here
- do I have anything to go back on, or
do I need to contact them to set up the payment?
My credit file is getting much better, so don't want to do anything that will adversely affect it again.
Thanks for any advice here.