MBNA / Link Financial CCA Reply

[david-t-rex]

I have had a reply from MBNA/Link to my CCA

 

Its 16 pages long along with a statement of all the payments made (I have had to split it into 2 parts so not to reach the max file size)

(I have paid £1500 off the total so far)

Its not in my credit file at all

 

I would be grateful if someone could have a look over it and give me their opinion.

Thanks

[fkofilee]

Hi David

 

Is this linked to any other thread?

 

FKO

[david-t-rex]

Its not really linked to anything.. its all come about from ditching Gregory Pennington and seeing what was actually going on.

 

I have been paying this one off with GP since 2008 and have been making payments myself for a few months as I realised I was just paying a fortune in fees for very little gain.

 

Just to add one thing - Just noticed this in the statement

Does this mean they have closed the account with them???

 

it says

A Statement of account is as follows

NAME

REFERENCE

BALANCE

Date 29/06/2016

 

The account has been terminated. The "current balance" is the total outstanding balance that is due and payable immediately.

 

PAYMENT OPTIONS

[dx100uk]

attachments unapproved

please merge those together and file

save as

PDF

all your pers details can be seen in the properties box

 

 

ideally the file should be

no need for 2 13Mb files

follow the upload guide please

 

 

dx

[dx100uk]

so link has made £1000's out of you .

 

 

ever sent them a CCA request.

 

 

dx

[david-t-rex]

Apologies - I have created the file as a PDF - its under 2mb. If any of the pages are not clear let me know.

CCA returns .pdf

[dx100uk]

blimey that look like it should

that's rare

have you all the statements?

 

 

dx

[david-t-rex]

blimey that look like it should

that's rare

have you all the statements?

 

 

dx

 

I have nothing other than the the statement from Link with the payments made by GP. I am assuming then I should continue to make payments as all the paperwork is in order?

[dx100uk]

we'll i'd drop them to £1

 

 

get an sar running to MBNA

 

 

you never know how much is penalty charges .

 

 

how much do you now owe?

[david-t-rex]

we'll i'd drop them to £1

 

 

get an sar running to MBNA

 

 

you never know how much is penalty charges .

 

 

how much do you now owe?

 

Do I send the SAR to MBNA or to Link as Link have said they have bought the debt on 20th Dec 2007

Current outstanding amount is (according to Link) 2037.76

[dx100uk]

goes to the OC

 

 

you already have a full list of payments from link to them from day one?

and ofcourse no int is being charged since the OC sold in on?

[david-t-rex]

Cheers - will do it on Monday.

No interest is being charged.

[dx100uk]

you already have a full list of payments from link to them from day one?

[david-t-rex]

yea - it looks like it - they sent me a 4 page statement

[renegadeimp]

How much was the original debt? How much have you been paying each month?

[david-t-rex]

Original debt was £3574

Remaining £2037.76

Paid so far £1536.24

 

I have been paying anywhere from £3 - £15 per month (the payments are a bit erratic on the statement)

The documents from Gregory Pennington say I was paying £11.37 per month

[renegadeimp]

you were paying GP more because they take a fee ( for doing nothing) then add on vat and insurance as well.

[david-t-rex]

Yea - I realised that very late in the day. I am wondering if I knock it down to £1 have they enough to take it further.

[renegadeimp]

Sar the OC, SAR GP, knock link down to £1. Get reclaiming

[david-t-rex]

Letters printed - going to sort out the PO on Monday and send recorded. Thanks for all the help and advice.