mbna sar sent

[nay68]

ive sent a SAR to mbna in the 12/01/2010. ive not had a reply yet

[QCKate]

Re: mbna sar sent

ive sent a SAR to mbna in the 12/01/2010. ive not had a reply yet

I think the greater surprise would be if you had!! could be a while yet.

QCK :tinysmile_hmm_t2:

[enaid]

Re: mbna sar sent

ive sent a SAR to mbna in the 12/01/2010. ive not had a reply yet

When you can take further action.

If you have:

* Asked your bank/credit company for the information held about you under the Data Protection Act.
* Paid the fee (if required),
* Waited for more than 40 days

and you have not received any response from them, we recommend that you contact them again to find out why using the non compliance letter below

[nay68]

Re: mbna sar sent

recived reply from mbna today, sent me hundreds of a4s with log sheet data,comms log! transaction data from2003-2009 a bad copy of agreement signed in 2002, a up to Date copy of terms.i cant work it out. i opend the account in 1996 it was british automobile racin club (mbna) puzzled ive had acc for more then 8yrs

[MIKE770]

Re: mbna sar sent

somebody will be along to look at this, but seems usual rubbish from them, post up CCA + T&Cs minus personal details for us to see and digest for next poss action I would suggest. Curley are you about????????????????

[nay68]

Re: mbna sar sent

recived reply from mbna today, sent me hundreds of a4s with log sheet data,comms log! transaction data from2003-2009 a bad copy of agreement signed in 2002, a up to Date copy of terms.i cant work it out. i opend the account in 1996 it was british automobile racin club (mbna) puzzled ive had acc for more then 8yrs

copy of agreement

im tryin to find out if its unenforceable
my credit limit started at £3500 its now up to £17600 limit they put it to this over the years

[MIKE770]

Re: mbna sar sent

[ATTACH]2806[/ATTACH] copy of agreement
[ATTACH]2805[/ATTACH]
im tryin to find out if its unenforceable
my credit limit started at £3500 its now up to £17600 limit they put it to this over the years

Nay 68 Bar code on agreement - delete

1996 fishy??? as 2002 date on agreement, you will have BARC details maybe showing taken out in 1996ish? with any luck

[nay68]

Re: mbna sar sent

Nay 68 Bar code on agreement - delete

1996 fishy??? as 2002 date on agreement, you will have BARC details maybe showing taken out in 1996ish? with any luck

how do i find that out

[MIKE770]

Re: mbna sar sent

how do i find that out

Statements ? repayment receipts etc????

[Tools]

Re: mbna sar sent

Is it possible you could rescan a little clearer or larger or is that as clear as it is?

The reason it may be dated 2002 is that they may have sent you a new agreement to sign in 2002, I assume the signature on there is yours and doesnt look like a copy and paste job.

What is the status of the account, is it in arrears etc

[nay68]

Re: mbna sar sent

Is it possible you could rescan a little clearer or larger or is that as clear as it is?

The reason it may be dated 2002 is that they may have sent you a new agreement to sign in 2002, I assume the signature on there is yours and doesnt look like a copy and paste job.

What is the status of the account, is it in arrears etc

ill try to get a better scan
my account is upto date no arrears, it looks like my signature, ive got a copy of a autoscore sm card application that they did on 5/3/2002, it shows that i have a mnna card,im puzzled

[nay68]

Re: mbna sar sent

thats the best i can scan

[WendyB]

Re: mbna sar sent

ill try to get a better scan
my account is upto date no arrears, it looks like my signature, ive got a copy of a autoscore sm card application that they did on 5/3/2002, it shows that i have a mnna card,im puzzled

so if the account is up to date etc why do you need to know if the agreement is enforceable? What result are you looking for?

Are there any charges on your account to claim back?

[nay68]

Re: mbna sar sent

so if the account is up to date etc why do you need to know if the agreement is enforceable? What result are you looking for?

Are there any charges on your account to claim back?

it all started with the centro client review phone call claimin they can get my agreement seen as un enforceable s77 are something, details in my other thread halifax cedit card, im havin financial difficulties and hoped i could sort this out my self.

[WendyB]

Re: mbna sar sent

you need to come to an arrangement with them. Reclaim any charges to reduce the balance, then try and sort out a lower payment arrangement. Getting it declared unenforceable isn't really an option at this stage, you can only use it as a defence in court, you can't use it as a claim. Trying to get it as unenforceable seems to me to be debt avoidance. Thats just my opinion.