No credit agreement, only an application form

[gordies]

When did you open the account? Did you apply on-line?

 

Yes, all applied for online only.

 

Account opened Feb 2008

[gordies]

Any further help on this please?

[dx100uk]

if you've batted people off for 3yrs

then pers i'd stop the letter tennis now

 

and only worry if/when you get court papers

 

which I doubt

 

ever looked at PENALTY charges/PPI?

 

dx

[gordies]

DLC have confirmed they hold a copy of MBNA agreement, but they are refusing to release a copy to me unless I confirm to them any name changes that I have undertaken.

 

They require any previous names plus dates of any changes of name.

 

Are they taking the pi**?

 

My name has not changed since the agreement was signed, what are they playing at?

 

Thanks.

[renegadeimp]

Theyre stalling.

[AndyOrch]

Well if they wont comply ignore them....they are in default......dont chase or get into letter tennis they know the law,

 

 

Andy

[renegadeimp]

Imo they dont have the cca and are trying to invent one.

[AndyOrch]

Heavens forbid imp would they attempt that?

[renegadeimp]

[mikeymack2002]

Seems like they DON'T have the agreement just sit tight and wait, Don't commit any further time till they produce the CCA how long since you put in the CCA request?

 

MM

[renegadeimp]

Once the 12+2 days have elapsed after you send the request, send the non compliance letter. Then ignore them.

[AndyOrch]

Once the 12+2 days have elapsed after you send the request, send the non compliance letter. Then ignore them.

 

I wouldn't waste the stamp...they are fully aware of their obligations

[renegadeimp]

I agree, they are aware, but it pays to cover your back. Especially when it comes down to unscrupulous DCA's who will use any trick they can to get money.

[AndyOrch]

But you have already stated within the request the consequences of none compliance...so why write again to tell them the same thing...they know its in dispute.