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MBNA....claiming charges, PPI and other stuff...


Little Lady81
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Thanks

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Hi All,

 

I have a debt with Virgin credit card/MBNA and due to circumstance have only made one payment since May. I have CCA'd virgin and received an agreement (I signed in 2004) which I believe to be unenforceable and I have sent several letters my final one quoting case laws etc and by recorded delivery asking them to wipe the debt and all I am getting is their foreign call centre contacting chasing payment. They are denying receipt of my letters even though I have proof of signed for from Royal Mail at their office in Chester, the problem is they don't understand on the phone what i am trying to explain and not really sure where to go with it from here. I also have some PPI and charges to claim back from them, should I have done this before CCA'ing them and can anyone offer advice of how to go about this?

 

Thanks :)

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