many thanks  this has been a noose around me for far too long   thanktyou

many thanks .. i just wanted to be 100% before i cancelled direct debit   thanks for your help dx100uk

yes , it was cleared off my credit report a few yrs back , and they sent me finally a letter this week admitting they couldnt get copy off cca from mbna due to the age of mbna account ,, but worded it saying im still liable even thou not enforceble ill enlcose letter recieved which they took 6 months to admit

link copy cca 2.pdf

many thanks .. so when they say in letter im still liable can they still sell it on to another debt collector

hi ,

i had an old credit card debt back before 2007 and stupidly back then even though i couldnt afford it i was phoned by link

they sent me a letter saying they now owned the debt from mbna ..

. if would offer to pay £5 a month which has been going on over 10 yrs now ..

only recently i looked on facebook site (website name removed - dx) and have had some advice but somone recomended this site to make sure …

they recently last couple of yrs started saying it was a concessionary agrement of £5.00 a month and asked for expenditure forms to be filled in AGAIN WHICH I REFUSED..

they decided to cancel my direct debit but set up their own for same amount £ 5 a month saying i stil need to fil in expenditure forms but next year ..

. at that time i decided to ask for a cca request in december 2019 ,,

they ignored and then again i sent a letter in febuary 2020 which they ignored and recent emails ,,

finally may this year i decided to ask were my copy was ,

they then told me they got the request last december but could not get a copy of cca as it was too old from mbna.

. i then asked for a letter to confirm which i received this week ,,

it says yes the request was last december but they have only let me know 6 months later they couldnt get a copy of cca , and yes its unenforceble but we are still able to collect on the oustanding balance as i remeain liable...

. any help pleasewould be gratefull ..

i know even after all these years it was defaulted on my credit report now gone but if they decide to sell onto another debt purchaser am i liable or is it completly unenforceble like ive been told 

  many thanks

link financila admitting no copy.pdf