Vulnerable Person being chased

[brassnecked]

Initiate Formal Complaints to all Financial Conduct bodies who could kick the DCA.

[mikeymack2002]

Also Don't forget the CSA as well

[Deb T]

Having applied (not me personally) in the past for a copy of an agreement one was supplied.

 

The signature was on a 1997 'Priority Request Form, it says under the signature (although no date was signed by the alleged debtor) (it was printed by MBNA) that it was regulated by the CCA 1974 , I'm assuming this is a credit agreement?

 

At the same time as this, along with that one page of the agreement there are a few pages of terms/conditons from MBNA,?

 

What looks to be the starting page of the actual agreement contains an anomaly but how relevant is it

It says is an oblong box

'This is a copy of your agreement for you to keep'

 

Under the above is the address but rather than the address format that was registered at the time of the agreement the actual address in that box is a c/of of the same address which was only added by the alleged debtor for the purposes of correspondence with the DCA collecting....Quite clearly they've ( Cabot) added it in when they were asked to supply the CCA

 

 

Does anyone have any knowledge of what/where I should be looking for any interest payments that may be added post default? either by MBNA or for the benefit of someone buying the debt, in this case Cabot?

[cfs_too]

Hi,

 

Having had the run around from a different DCA who purchased my MBNA account, I might not be able to advise you on your questions, but I will tell you a little story.

 

Quick info : in 2008 due to disabilty I was unable to meet CC payments, so followed advice on here requesting CCA's & DPA's. I was not avoiding debt, I was placed in a situation where I could not make repayments and was being hounded by many DCA's and OC's.

 

CCA - MBNA provided poor microfiche copy. No terms but insisted s77/78 complied. I tried several times, same response, then they sold account.

CCA - to DCA finally admitted no terms were available at time of opening or default, and account was unenforceable.

 

This took few letters, requesting the relevent docs which are required as part of a s77/78 provision.

 

It's worth noting there is an article on BBC News website, I am not sure if allowed to include link here, but it can easily be found by searching for 'BBC MBNA agreement'.

It confirms that of the older originally terms & conditions were not saved by MBNA. Might be worth a little look.

 

I hope this helps, and of course I'm sure the others with more experience will advise as to what should be included in the s77/78 provision.

 

Me_too