Getting MBNA before they get Me!

[banker_rhymes_with]

Deleted...

Edited July 4, 2010 by banker_rhymes_with
Too many Trolls on CAG, too little support to fight them.

[banker_rhymes_with]

Deleted...

Edited July 4, 2010 by banker_rhymes_with
Too many Trolls on CAG, too little support to fight them.

[alanalana]

BRW Hello,

 

You are right!

 

PART 3

RECORD-KEEPING, PROCEDURES AND TRAINING

Record-keeping

19.—(1) Subject to paragraph (4), a relevant person must keep the records specified in

paragraph (2) for at least the period specified in paragraph (3).

(2) The records are—

(a) a copy of, or the references to, the evidence of the customer’s identity obtained pursuant

to regulation 7, 8, 10, 14 or 16(4);

(b) the supporting records (consisting of the original documents or copies) in respect of a

business relationship or occasional transaction which is the subject of customer due

diligence measures or ongoing monitoring.

(3) The period is five years beginning on—

(a) in the case of the records specified in paragraph (2)(a), the date on which—

(i) the occasional transaction is completed; or

(ii) the business relationship ends; or

(b) in the case of the records specified in paragraph (2)(b)—

(i) where the records relate to a particular transaction, the date on which the transaction

is completed;

(ii) for all other records, the date on which the business relationship ends.

 

and this is the link.. You probably have it already

 

http://www.hm-treasury.gov.uk/media/...ations2007.pdf

 

regards

 

aa

Edited May 27, 2008 by alanalana
highlighting time period

[banker_rhymes_with]

Deleted...

Edited July 4, 2010 by banker_rhymes_with
Too many Trolls on CAG, too little support to fight them.

[oggy1]

hi brw,

i have read somewhere about the original agreement has to be produced and check the appeal court ruling Wilson and others v The secretary of state for trade and industry(appellant) .

 

cant remember where i got it from but try this

http://www.publications.parliament.uk/pa/ldjudgmt/jd030710/will-6.htm.

i hope it might be of use at some stage.

[oggy1]

sorry it doesnt work.

[banker_rhymes_with]

Deleted...

Edited July 4, 2010 by banker_rhymes_with
Too many Trolls on CAG, too little support to fight them.

[steven4064]

What constitutes a 'true copy', etc has been debated before - it would be a good place to start

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/118899-what-constitutes-true-copy.html

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/118065-application-form-fraud.html#post1197518

[banker_rhymes_with]

Deleted...

Edited July 4, 2010 by banker_rhymes_with
Too many Trolls on CAG, too little support to fight them.

[steven4064]

Sorry, but to me the two are interlinked - it is the 'true copy' stuff that makes the lenders think they can destroy originals with impunity.

 

I have shown quite conclusively (to myself anyway ) that it is quite possible (almost usual, in fact) to satisfy a s78/79 request with a bunch of papers that are in no way enforceable in court. They may even bear little resemblance to the original agreement.

 

You question is a good one, and worth resolving. There is actually a related question that came up on another thread (don't ask me which ) where someone had been sent a fax copy of an agreement. Now /i have a suspicion that that would be enforceable as faxes are admissible in contracts. But I am not sure.

[banker_rhymes_with]

Deleted...

Edited July 4, 2010 by banker_rhymes_with
Too many Trolls on CAG, too little support to fight them.

[alanalana]

Hey BRW,

as promised sorted.

 

aa

Edited May 28, 2008 by alanalana

[alanalana]

Hey again BRW,

 

how is your case doing got to be on a winner

aa

Edited May 28, 2008 by alanalana

[steven4064]

I meant seagulls but bagals is probably ok!

We know who you mean

 

(ps coukd you PM me the link too please )

[alanalana]

Hello BRW and Steven,

 

You have the results of the aa jury on the relevant subject. Lets hope it is nil Points (french was never my strong language!!) for the bankers and 12 for the CAGers.

 

Steven how do you get the whistle smilie?

 

Hope you both had a good weekend

 

regards

aa

[steven4064]

Smiley - you find it on the internet and then insert it using the icon in the quick reply box

[alanalana]

Steven,

 

Thank you,

BRW please note the previous post you may need it to whistle at least once on your claims. This is not a Hi jack but a bump in disguise.

 

Regards

aa

[banker_rhymes_with]

Deleted...

Edited July 4, 2010 by banker_rhymes_with
Too many Trolls on CAG, too little support to fight them.

[citizenB]

asked question in wrong thread:oops:

Edited October 7, 2008 by citizenB

[poppynurse]

Subbing

[hellhasnofury]

Hello aa and Steven!

 

Sorry for long silence, have taken a long Weekend off, and had quite a lot on either side of it.

 

Now catching up with what I needed to do when taking time off!

 

Will be back in the loop on CAG ASAP!

 

Cheers,

BRW

 

Hey BRW,

 

Your having a very very long weekend off. Get back here now:-D

[sunflower99]

Hi BRW!

Subbing to your thread with interest as i find all your posts very interesting informative and helpful and took your advice of trying to leave paper trails asking for appointments to view originals etc:D with crapital one and MBNA!As you say when it suits them bankers will say a copy will do when trying to harrass someone into paying an unenforcabe agreement but they soon change their tune and say a copy will not do when it comes to anything else concerning their banking,As i saw on another forum this point was made - A copy birth certificate is unacceptable to obtain a pass port and driving licence.A copy of divorce papers is not acceptable to obtain a passpoert or driving licence ,A copy of land deeds are not acceptable as proof of ownership of land and you cant send a copy of your driving license to prove you passed your test even if you swear on oath to say you have passed it.You must produce the original,So why should this be any different for something as importand as a credit agreement? .It can be argued on this basis that a copy of an agreement is not acceptable as proof of a debt!i am very interested in this thread as i think a lot of MBNA and crapital one alleged agreements been scanned and they trying to fob people of with microfilch copies !

[citizenB]

Have you seen this one, BRW ?

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2275027.html

 

 

 

Found this PDF of a letter from CEO of MBNA to the US SEC telling them how proud MBNA are to have securitized $146Bn of managed assets (ie: our credit card debts). Does this count?

 

 

http://www.sec.gov/rules/proposed/s72104/wright071204.pdf