@mbna MBNA debt - Mortlake Recoveries now Passed to Arden CM

[ttessof]

Brill...so I should let them know that's unacceptable or ignore them in every way?!

[dpick]

Hi if you want to wind them up then send something along the lines of "this is not acceptable as a reconstructed agreement I will not correspond with you until you send a copy of the agreement containing the correct information as at the time of agreement inception". Do NOT tell them what is wrong with the reconstruction as supplied and keep paper work in case they send the same again.

 

Otherwise send the account in dispute letter from library and then ignore them until they send something that requires your attention.

 

Or just ignore them that winds them up as well

 

dpick

[victoria_siempre]

Hi ttessof

 

I generally agree with dpick but it’s all of a matter of taste. I always reply by email in a tone that is as sensible as theirs. For example, my latest reply to these bandits (who communicate under four separate Consumer Credit Licences, is:

 

‘I acknowledge receipt of your letter dated September x 2012 which I received today. I struggle to understand how this might relate to a Loan Account Number that you quote.

 

For the avoidance of doubt, I deny any account with your multifarious entities; you are very welcome to proceed under UK and EU law should you think otherwise.

 

Should you wish to discuss this further please feel free to telephone me on xxx; I am generally free 9.00 p.m through 8.00 a.m.’

 

"I refer you to the reply given in Arkell and Pressdram". Is also an appropriate riposte.

http://jackofkent.blogspot.co.uk/2010/05/reply-given-in-arkell-v-pressdram.html

 

x

 

v

[ttessof]

Just received a letter saying I'm goin to get a £75 chargeable visit pffffft

[dpick]

Their chargeable visit is as legal as me charging you for viewing this post if they arrive tell them to go forth and if they don't call the police (not 999) I did this and the officer that arrived told the DCA that he would be charged with conduct likely to cause a breach of the peace if he did not **** off.

 

dpick

[ttessof]

Thanks dpick

Gonna write and say that the cca is unacceptable...is there any legal stuff I can say re the threatened visit?

[dx100uk]

IMHO no reply.

 

thats all they ever want to do is make you correspond

 

dx

[ttessof]

Oh ok...so don't even tell them the cca is crap?

[dx100uk]

you could do as post 23/24 failure to comply letter

 

dx

[ttessof]

Well I sent them a letter sayin the cca did no provide correct information (didn't say what) and that they can stick the doorstep idea up their backside basically...they replied with one saying they're "investigating" ... Lol. I sent the original cca request on 18th july...surely there is bugger all they can do now after 2 months???

[ttessof]

Update!!!

 

Letter received today admitting they don't have the original cca and that a reconstituted copy is enough to enforce under con credit act reg 3(2).

 

it says I will not be released from any obligation and that "Resolvecall" will be visiting me...

 

Any opinions please!

[dpick]

I would not bother to write to them they know that for a reconstruction to comply with CCA s78 that the reconstruction has to be accurate as to the information contained in it so wrong name or address etc, mean that it does not comply. As above if they do doorstep you tell them to **** off and if they dont call the police (not 999).

 

dpick

[ttessof]

Thanks dpick

[ttessof]

I've been really tied up with work so haven't sar'd yet...will do it monday...is there a specific mbna address to send the sar to?

[dx100uk]

should be in the stickies of this forum

 

dx

[ttessof]

I'm goin to hit these bums with a ppi I think...is there a generic letter and what should it include?

 

Thanks all

[dx100uk]

I'm goin to hit these bums with a ppi I think...is there a generic letter and what should it include?

 

Thanks all

 

have you a thread?

 

we'll guide you

 

dx

[ttessof]

Sorry, a thread?

[dx100uk]

hehe this is your thread!

 

more later

else look in the ppi forum

 

or my bits below 1,2,3 etc

dx

[ttessof]

Ok, I've had a read but am unsure as to what to put for my reasoning...can I just say I was unaware ppi was optional??

[dx100uk]

have you all the statements yet?

 

dx

[ttessof]

Ah no, I should wait for the sar to be done then I'm guessing

[dx100uk]

it would be better to have all the statements so you can workout whaat they owe you

ands end them an SOC [spreadsheet]

 

shows you know what you are talking about.

 

dx

[ttessof]

Yeah...keeping statements was never my forte!

[ttessof]

Are statements part of the reply they'll send to my sar?