WIFE v MBNA

[MIKE770]

Re: WIFE v MBNA

Here we go again, letter from Optima legal may go for charging order unless OH contacts MBNA direct, I&E form on back of letter, again all correspondence direct to MBNA not them. (Still CCA request from last year ignored, never any response to CCA request or Account in Dispute letter from last year, which letter to send them now?) or SAR?

[Curlyben]

Re: WIFE v MBNA

Remind Optima of their legal obligations and that you are STILL waiting for MBNA's compliance with your CCA.

Try using this:

Dear Sir/Madam,

Your Ref : xxxxx

Your Client : XXXX

I refer to your letter of xx/xx/2007, which was received today.

Frankly, I am surprised of the need to remind a firm of solicitors about the terms and conditions surrounding my Consumer Credit Agreement request (Consumer Credit Act, 1974); received by XX DCA XX on xx/xx. I can only assume therefore that they failed to inform you.

Should your client now persist with threats of legal action as stated in your letter, I will welcome the opportunity for a judge to look at several offences committed by XXX DCA XX under The Consumer Credit Act, 1974, as well as your client’s non-compliance with and total disregard for the law on this occasion.

Yours faithfully,

[MIKE770]

Re: WIFE v MBNA

Remind Optima of their legal obligations and that you are STILL waiting for MBNA's compliance with your CCA.

Try using this:

sent off to-day

[MIKE770]

Re: WIFE v MBNA

Well the barrel boys are at it again MBNA sending text i.e. MONEY ALERT - pls ring soon as receive this text to No //////////// checked on who is calling site -- reported MBNA. according to others.

[MIKE770]

Re: WIFE v MBNA

Anybody else received similar letter??

[MIKE770]

Re: WIFE v MBNA

------------------------------- merged -------------------------------
Muppits at MBNA on their liers track again, Text OH "Money Alert", you have not made promised payment, they must be dreaming of a conversation , as no contact is made to them only by letters. Why does this country allow such business to carry on in this way? anyway still not heard from Optima regarding
their last letter.

[MIKE770]

Re: WIFE v MBNA

Remind Optima of their legal obligations and that you are STILL waiting for MBNA's compliance with your CCA.

Try using this:

Letter received to-day from Optima, Your Recent Letter: quote:- Further to your recent letter to this office we write to advise that our previous letter requested that you respond to our client direct.

Unfortuanely, we are therefore unable to respond to your letter and have passed this on to our client for their consideration.

If you wish to discuss this matter further please contact our client direct. #

Bla Bla
Optima Legal


Any Comments?????

[MIKE770]

Re: WIFE v MBNA

MBNA still leave messages to ring an extension No, happens a few times a week.

[MIKE770]

Re: WIFE v MBNA

Well, Well, Well, MBNA trying to cover their nether regions from OH original CCA request of last August 11th 2009, i.e.:

We apologise for the delay in responding to your request (only 5 months), under the Consumer Credit Act 1974, We hope to write to you further regarding your request in due course.

We note that the account was acquired from another lender some time ago. As such, we need to obtain documentation from that lender. (Was Thomas Cook I believe), As soon as we receive that documentation we will forward it to you in response to your request.

In the meantime, you should continue to make payments to the account. This has been confirmed in the recent High Court judgment of McGuffick v The Royal Bank of Scotland Plc on 6 October 2009 in which Mr Justice Flaux directed that even in circumstances where a lender has not yet complied with a request under the Act, that lender can continue to demand that payments be made to the account.

Signed , yours faithfully



MBNA

MBNA Europe Bank Limited


Well o.k. so what is the reply to this any ideas, also the interpretation of the Judgment??? are they twisting it in their usual manner???

[MIKE770]

Re: WIFE v MBNA

Well, Well, Well, MBNA trying to cover their nether regions from OH original CCA request of last August 11th 2009, i.e.:

We apologise for the delay in responding to your request (only 5 months), under the Consumer Credit Act 1974, We hope to write to you further regarding your request in due course.

We note that the account was acquired from another lender some time ago. As such, we need to obtain documentation from that lender. (Was Thomas Cook I believe), As soon as we receive that documentation we will forward it to you in response to your request.

In the meantime, you should continue to make payments to the account. This has been confirmed in the recent High Court judgment of McGuffick v The Royal Bank of Scotland Plc on 6 October 2009 in which Mr Justice Flaux directed that even in circumstances where a lender has not yet complied with a request under the Act, that lender can continue to demand that payments be made to the account.

Signed , yours faithfully



MBNA

MBNA Europe Bank Limited


Well o.k. so what is the reply to this any ideas, also the interpretation of the Judgment??? are they twisting it in their usual manner???

Bump

[MIKE770]

Re: WIFE v MBNA

Seems to be automated phone calls now velly fine lady no can get name right me thinks, just a record entry as no replies.

[Tools]

Re: WIFE v MBNA

pmsl

[MIKE770]

Re: WIFE v MBNA

MBNA not a bad record, CCA still awaiting, PPI having not covered repayments when claimed, yet they have benifited from monthly PPi payments and made a large profit from it, there must be others with the same problem i.e. claiming PPI finding the repayments will not cover monthly payments also MBNA still demand monthly PPI dues whilst claim in force. CROOKS.

[MIKE770]

Re: WIFE v MBNA

Letter to-day for OH:- They have been increasing charges on account etc., You must call allocated account Manager on ............. before 9.p.m., Please bea ware that a default is due to be registered on your credit file shortly. Should we seek a County Court Judgment* against you this may result in the following actions: Attachment of Earnings* / Charging Order*,

We could still help you with this debt.

We could consider a reduced payment programme if you make a Debit Card Payment by phone. Alternatively, I may still allow you to make a Significantly reduced settlement of your full balance.

We may even review some of the charges that have been applied to your account.

We can only help you if you respond to this letter before 9p.m.to-day. The longer you leave it to contact us the less likely we will be able to help.

Yours sincerely

Paul Campbell

Head of Customer Assistance





We are still getting messages 3-4 times a day press 3 to continue, still not got the name right.

:beagle: Letter dated 5/2/2010 received 11/2/2010 1st class post?.

[jax007]

Re: WIFE v MBNA

We may even review some of the charges that have been applied to your account.

Woo Hoo!!

Get on that ol' dog and bone pronto!!!! PMSL