WIFE v MBNA

[basa48]

Re: WIFE v MBNA

Have sent letter to HL sol!s recorded delivery to-day (oopppssss they said send reply direct to Experto) oh dear!!!

1st class recorded??

I send it all 2nd class normal. Why waste postage??

I've being playing ping pong with EC & HL for months now.

[The Debt Star]

Re: WIFE v MBNA

I send everything recorded since the ICO, on one of complaints to them, wrote to me asking for proof of postage to the creditor.

[MIKE770]

Re: WIFE v MBNA

sent 2nd class recorded.

[basa48]

Re: WIFE v MBNA

I send everything recorded since the ICO, on one of complaints to them, wrote to me asking for proof of postage to the creditor.

Oh yes the ICO. I remember them.












Waste of office space.

How much help were they?? I have an account where there is provably no written or signed agreement of any description. The ICO reckon because I bought goods off them for credit I agreed to data processing and that even though there is no agreement to a repayment schedule, because the creditor said so, I defaulted on said repayment schedule (erm, yes that non existant repayment schedule!).

[The Debt Star]

Re: WIFE v MBNA

Oh yes the ICO. I remember them. Waste of office space.

How much help were they?? I have an account where there is provably no written or signed agreement of any description. The ICO reckon because I bought goods off them for credit I agreed to data processing and that even though there is no agreement to a repayment schedule, because the creditor said so, I defaulted on said repayment schedule (erm, yes that non existant repayment schedule!).

They were fooking useless TBH mate.

[MIKE770]

Re: WIFE v MBNA

FSA are just the same, ref: HSBC charges they believed a pack of lies from HSBC regarding I&A etc., not being submitted under hardship rules, when the actual copy paperwork was included in the information/complaint pack under their noses & documented also DG sols had a copy too & acknowledged in another matter.

[The Debt Star]

Re: WIFE v MBNA

I've had similar problems with HSBC (First Direct) so totally empathise

[MIKE770]

Re: WIFE v MBNA

sent 2nd class recorded.

Delivered to-day to them.

[MIKE770]

Re: WIFE v MBNA

Delivered to-day to them.

Delivered to-day to them.

Well looks like the alledged account may be back @ MBNA as letter to-day arrived from MBNA apologising for delay in response to OH letter earlier of last year, also some T & Cs suppose to be from 2002, (what year did PIN Nos start) - no fees listed (late payment charges? etc etc).

[MIKE770]

Re: WIFE v MBNA

Well looks like the alledged account may be back @ MBNA as letter to-day arrived from MBNA apologising for delay in response to OH letter earlier of last year, also some T & Cs suppose to be from 2002, (what year did PIN Nos start) - no fees listed (late payment charges? etc etc).

also: -

see Post - 39/49/50 saves reading all the thread, it gives outline of situation.

[pt2537]

Re: WIFE v MBNA

how weird,

Conditions 1 -3 can be found in your credit agreement

Well, Kotecha vs Phoenix Recoveries, held that the whole agreement must be provided not just part of it

[MIKE770]

Re: WIFE v MBNA

how weird,

Conditions 1 -3 can be found in your credit agreement

Well, Kotecha vs Phoenix Recoveries, held that the whole agreement must be provided not just part of it

Post 39 they referred to obtaining account from another lender Post 49/50 outlines situ. pt.

[pt2537]

Re: WIFE v MBNA

Post 39 they referred to obtaining account from another lender Post 49/50 outlines situ. pt.

Mike

Is that the signed agreement you posted in post 50?

IS that what they are relying on?

[MIKE770]

Re: WIFE v MBNA

Mike

Is that the signed agreement you posted in post 50?

IS that what they are relying on?

Um yes? and the rest on 51.

[capricorn1601]

Re: WIFE v MBNA

PT pleased to see you are active again. Havent seen you around on the other Forum recently.

Caps