Hi folks, hope you can help. I had a credit card from MBNA and i did not pay the instalments. It was my fault but then they sent a default notice and it was for the full balance, not what i had missed!!
I used letters from the internet - i do not acknowledge debt etc etc.
They sued me and i made a 77/78 and CRP 31 request (read here should be 18, i had not read before but 31 seemed to work).
I have sent in a questionnaire to the Court, but MBNA keep sending "these are the last applicable terms". Does it help that i now have 3 or 4 last applicable terms ? Can i say the 4th are probably not the 'right' ones because they dont know what they are doing or are they 'right' until i get a 5th ?
Also, how good should the agreement be ? if i try i can read it, but should i just wait for a crystal copy ?
thanks
DS
I used letters from the internet - i do not acknowledge debt etc etc.
They sued me and i made a 77/78 and CRP 31 request (read here should be 18, i had not read before but 31 seemed to work).
I have sent in a questionnaire to the Court, but MBNA keep sending "these are the last applicable terms". Does it help that i now have 3 or 4 last applicable terms ? Can i say the 4th are probably not the 'right' ones because they dont know what they are doing or are they 'right' until i get a 5th ?
Also, how good should the agreement be ? if i try i can read it, but should i just wait for a crystal copy ?
thanks
DS
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