PRA/MBNA debt-CCA sent-received a reply. Help needed

[laidy_ma]

I called MBNA to confirm card numbers and it seems that in this balance sheet attached in #30 they have mentioned two completely different credit cards- no idea how this has happened but there is something wrong...

 

the first two card numbers mentioned in the balance sheet belong to MBNA Platinum Plus Master Card

and the last 4-5 lines of the balance sheet shows a third card number finishing on 39.

This is MBNA Europe Master Card...Are not these completely different?

 

 

First I spoke to a woman and she was telling me that I use to have 2 different credit cards with them ,

second I spoke with a man who told me that both accounts have been passed to a collection agency

expert credite but then he said o ye this is the same account.

.. so not clear at all

...so I am sending the SAR tomorrow.

[laidy_ma]

hello again,

 

Advice will be highly appreciated about the following.

 

As suggested I sent SAR to MBNA- I received the SAR back.

The bank transactions match what PRA sent me in their CCA.

Please see #30. I have also received the card agreement no signature (2006).

 

Including in the SAR about 20-30 pages of communication between the bank and myself

and effort on their side to FIND me by talking to my former employer

(where I was a nanny before getting ill and going to hospital with cancer diagnose):

 

 

most of the notes are some sort of codes which I don't understand at all,

some of the notes are mentioning dates when they have called me

and I have explained that I am very ill in hospital etc...(which was true)

and they asked me to sell something to pay my debts!!!

 

It states that I am a primary card holder but it seems that my ex partner was also a card holder?! which I have forgotten.

He also has done all the online application for most of my cards.

 

 

In the Operator/communication log sheets they have changed my e-mail address to my ex boyfriend e-mail address for some reason!,

I think it is quite clear I was not the only card holder on this account.

 

 

I have been reading the documents they sent me and still can't understand 99% of it.

 

I don't believe that I can upload all this information here? 20-30 pages?

Is there anyone who has the time to look in detail

and advise please if possible to upload the documentation here?

 

I received the SAR in the end of April.

PRA has been ringing once a day (automated service) asking to call back- I never responded.

No letters in the post from PRA except the one I received couple of days ago.

 

 

Please see the letter attached:

They are telling me that my account has been transferred to the Litigation Department and to contact them in 14 days.

I have not been paying them anything since January when I sent the CCA request.

Ignore the letter?

 

Thanks in advance.

litigation-department-lettter-pra-13-06-2016.pdf

[dx100uk]

redact all the pages

put ALL THE PAGES into ONE multipage WORD.DOC

one image to a page.

then

file

save as

.pdf

then upload

 

 

so it appears the mystery is solved

joint card holders

 

 

let it run for now

[laidy_ma]

Thanks DX, I will upload the whole info into one pdf document

- will try to do that asap (by the end of the week).

 

 

Ex boyfriend name mentioned at least couple of times on their comments sheet

including his e-mail address but I guess he had another card number and the CCA is all about my card.

.. all look very confusing.

 

 

I will ignore the 'litigation' letter for now...