Hi all
I'm new and have been dealing with this matter since 2011. Basically, I requested a CCA from MBNA back in March 2011, they simply ignored my request, I got a letter some 13 months later saying my debt was being passed on. The original Application was with Bank of Scotland. Since that time, it's been passed from one DCA to another and I've fought them off every step of the way as no-one could provide me with the CCA.
Anyway, the matter went to Rockwell another DCA and I fought with them, they provided a copy of the Credit Application form dated 1999. It is just a poor photocopy but out of all the DCA's they were the only one that sent me the CCA. Now they threatened everything so I sent the usual letters and then mentioned the lack of prescribed terms etc. They closed their file and I never heard a word for over two years. I then get this letter from ARC Europe threatening court action etc, I wrote back enclosing all the correspondence with Rockwell etc and they just won't go away. They are saying that the 1999 Application I signed is compliant with the CA and that I need to pay or get taken to court. I really cannot see any prescribed terms and I'm a bit stumped on what I should reply back. Again they have sent very poor copies of what looks like the same document I sent to them but you can barely read it! All they keep saying is when I made my last payment. They've not outlined as to why the CCA is compliant just that they are instructed that it is.
Can anyone help - they seem very determined but maybe that's their method of working to wear people down to get payment!
Thanks
I'm new and have been dealing with this matter since 2011. Basically, I requested a CCA from MBNA back in March 2011, they simply ignored my request, I got a letter some 13 months later saying my debt was being passed on. The original Application was with Bank of Scotland. Since that time, it's been passed from one DCA to another and I've fought them off every step of the way as no-one could provide me with the CCA.
Anyway, the matter went to Rockwell another DCA and I fought with them, they provided a copy of the Credit Application form dated 1999. It is just a poor photocopy but out of all the DCA's they were the only one that sent me the CCA. Now they threatened everything so I sent the usual letters and then mentioned the lack of prescribed terms etc. They closed their file and I never heard a word for over two years. I then get this letter from ARC Europe threatening court action etc, I wrote back enclosing all the correspondence with Rockwell etc and they just won't go away. They are saying that the 1999 Application I signed is compliant with the CA and that I need to pay or get taken to court. I really cannot see any prescribed terms and I'm a bit stumped on what I should reply back. Again they have sent very poor copies of what looks like the same document I sent to them but you can barely read it! All they keep saying is when I made my last payment. They've not outlined as to why the CCA is compliant just that they are instructed that it is.
Can anyone help - they seem very determined but maybe that's their method of working to wear people down to get payment!
Thanks
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