Hi, Sent a CCA request to MBNA who i have been paying on a DMP with Stepchange 10 days ago, have just found my original welcome letter and it is with Bank Of America / Amazon. I have not had a reply as yet. Account opened in 2012. Wondering if i should have sent the request to BOA rather than MBNA Cheers

I have looked round for such a Site many times when looking over there for problems similar to we have in the UK.And maybe join such a group to chat to some of our American friends. Never seen it before,or missed it when looking, and the link does not work anyway. A test bed,it says. Now i am sure a wise one ,as i am not tech minded can tell me how long this was going,or perhaps going to happen perhaps. Just copied this to show you how i was baffled,it does not take much to achieve. This is what i am on about. Consumer Action Group - Americans Unite to Reclaim the Right Free help to assert consumer rights. ... Welcome to the Consumer Action Group of America · The Bear Garden · This forum - Questions and Answers. General ... And there was much more,huge in fact. Would sure need one hell of a Site Team . http://testbed.consumeractiongroup.com/archive/index.php

Hi everyone, I received a claim form from northampton CC yesterday (dated 1st Nov) and would be really grateful to get some advise on how to proceed. I had some financial issues a few years ago and debt spiralled out of control, loads of late charges and interest applied via various creditors when I was struggling to keep my head above water and I just buried my head in the sand. I've managed to sort out most of the debt over last few years but haven't had any dealings with capquest to date, I am trying to move things forward and really need to avoid getting a ccj from this after so many years. The claimant is Capquest for amount over 6k for an old cc (Bank of America assuming MBNA). SOLS are Optima legal. I've check the CRA and there is a default registered by Capquest (default date 4/09). I have no paper work at all for this so can't at this stage confirm last time any details/when last payment was made and amount in charges, although I do know that there were loads of charges/admin fees/interest etc applied to the account with took me over my credit limit and further and further into debt, I don't think I made a payment for some time maybe 5 years + and I haven't been in correspondence with them at all. The amount they are claiming doesn't seem right. I received a letter from Optima legal in mid Oct attached which was threatening legal action, it was worrying but didn't read like a last letter before action. Then received the court papers yesterday nothing else in between (I've attached both letters minus personal details for ref). I'm planning to do the AOS online and send a CPR 31.14 request to the SOLS giving them 7 days to respond to see what they come back with. In the CPR request I was going to ask for true copies of the following - Letter of credit agreement - NOA - Default notice - Full statement of account - itemising all interest & charges from the commencement of the alleged debt Any advise on the above would be gratefully received? Or anyone who has had experience with this lot would be good to hear. Supporting docs attached. Many thanks