My Dad Vs AA

[FredFerret]

hi All

 

I am acting on behalf of my Dad who received a call off a creditor, So as per the below thread I have advised him to CCA them all.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309593-Helping-my-Dad-with-MBNA-Mint-Halfords-%28MBNA%29-amp-AA

 

 

The letter has worried him a little.

 

Thanks All

[dx100uk]

cant read postAGE stamps

 

use:

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx

[FredFerret]

Sorry for the late response,, I have been working nights. And Sorry for the postage stamps,,, as I uploaded to the forum I thought they would be ok?

 

Anyway,, Here are the PDF versions

 

They also sent some T&Cs which I can also upload if required.

 

Thanks All

 

Fred

CCA reply p1.pdf

App Form.pdf

CCA reply p2.pdf

[dx100uk]

IMHO i would not use a 'paperwork error' to aviod a debt.

 

can you explain a wee bit more of the history of the debt

does it show on his CRA file?

when was HIS last financial transaction?

what are the DCA saying?

 

dx

[FredFerret]

The history behind it all is here

 

http://www.consumeractiongroup.co.uk...MBNA%29-amp-AA

 

he has never missed a payment and it is still with the OC, no DCAs involved and is still keeping up the payments as he has always done. But I am far from happy as the way he was treated when he called them,,, hence requesting the CCA

 

Thanks DX

[dx100uk]

have you got the SAR on the way?

 

we need to look at reclaiming too

 

dx

[FredFerret]

We had the SAR through a while ago, and was also advised to obtain the CCA.

 

And as for reclaiming,,, Theres nothing to reclaim, as he paid everything on time, and did not take out any PPI?

 

Thanks

[FredFerret]

Does anyone know the whereabouts of the letter I need to send back to these explaining that they have not fulfilled the request?

 

Also, the letter explains that they are allowed to continue adding interest and default charges while there is no CCA and they can still record this with a credit referencing agency. Which I do not beleive they can do. Would anyone be able to clarify this please?

 

Many Thanks

[dx100uk]

in the library green tab top left

 

they are entitled to do whatever they like with the cra and int etc

as for default charges

you say there are none, so thats not an issue is it?

 

you really need to do some reading around and get up to speed.

 

dx