Abbey bank charges

[judith]

Re: Abbey bank charges

The person you spoke to is not only an idiot & nasty piece of work but also has no understanding of the law.(or pretends to)

Send your SAR (subject access request) + the £10 statutory fee (which is all that is required by law) & they'll send you the data & if they don't you tell them you WILL report them to the Information Commissioner

Finally NEVER EVER speak to them on the phone.......unless you can record the conversation because they WILL lie when confronted with their blatantly false & misleading statements. You must put ALL communication in writing

HI DO YOU HAVE THE ANSWER TO MY QUESTION TO YOU OF YESTERDAY ??
THANKS
JUDY

[Amy]

Re: Abbey bank charges

Judy, the SAR template is in the library and the MBNA contact details are in the credit card section at the top of the forum.

For some reason I can't post any links for you xx

[Tools]

Re: Abbey bank charges

Use the SAR I sent them Judith >>> MBNA SAR

[judith]

Re: Abbey bank charges

Judy, the SAR template is in the library and the MBNA contact details are in the credit card section at the top of the forum.

For some reason I can't post any links for you xx

HI AMY
THANKS WHY CANT YOU POST ANY LINKS FOR ME ??
XX
JUSY

[Amethyst]

Re: Abbey bank charges

The forums got a glitch which we're working on. To post links at mo need to write text then highlight and use button. Not sure why but Tools is on the job

the SAR Tools linked for you is a good one to use. >>> MBNA SAR

[judith]

Re: Abbey bank charges

Judy, the SAR template is in the library and the MBNA contact details are in the credit card section at the top of the forum.

For some reason I can't post any links for you xx

Hi amy
still no news from the abbey ?? also got a letter back from the soliciyors this is the one i sent the £1.00 asking them for all the credit forms etc they are saying to me because they are not the creditor it does not apply to them so they have sent back the cheque and i will receiving a summons very soon
thanks
judy
xx:santa2:

[Amy]

Re: Abbey bank charges

What paperwork have you had from MBNA? Are Restons acting for MBNA or someone else?

[judith]

Re: Abbey bank charges

restons are acting for mbna or they have brought the debt i do really know here is what they have tols me as of today.
1 the consimer credit act sections to which you refer state the creditor under a regulated agreement . we are not the creditor and those sections do not extend to third parties such as this company.

2. the request has to be made under a regulated agreement and where a default notice has been served and not complied with the agreement is terminated and therefore your request is ineffective.

3. further the courts have decided that in such circumstances a creditor is entitled to issue proceedings and you should be receiving a summons.

hope this helps you amy
xx
judy

[Amy]

Re: Abbey bank charges

In that case send the CCA to MBNA.

[judith]

Re: Abbey bank charges

i have already sent mbna a letter with the £10.00 fee asking for SAR and am waiting to hear back thats if i do in the meantime what about restons ??
xx
judy

[Amy]

Re: Abbey bank charges

SAR and CCA are quite different. I would still send MBNA the CCA letter because until they comply there is nothing they can do.

[judith]

Re: Abbey bank charges

hi amy
could you please call me asap please just had an offer from the abbey and it SUCK'S you can reach me on (removed)
thanks
judy
xx

[Xena]

Re: Abbey bank charges

A message from Amy, she will phone you soon, ok.

[Curlyben]

Re: Abbey bank charges

restons are acting for mbna or they have brought the debt i do really know here is what they have tols me as of today.
1 the consimer credit act sections to which you refer state the creditor under a regulated agreement . we are not the creditor and those sections do not extend to third parties such as this company.

Absolute Bovine Excrement !!!

If they are MBNA's agent, as their response implies, then they must forward your request to MBNA for action.

Until they comply they CANNOT issue proceedings against you in reagrd of this issue.

[judith]

Re: Abbey bank charges

hi
many thanks just had a phone call from amy regarding my abbey claim but did speak to hear about mbna , the summons is dated the 12/12/08 but i know that i sent one letter to mbna recorded delivery with £10.00 enclosed for their cost asking for a SAR now we get this ???
thanks
judy
xx