mbna

[bomber123]

hi all, after sending letter 1 mbna responded with this...we are in receipt of your request for a copy of your agreement in relation to the above account, validation of your debt and veification under bills of exchange act 1882.
your credit agreement is regulated by the consumer credit act 1974. under that act you are afforded various protections,remedies and rights,including a right under section 78 of the cca act 1974 to request a copy of your credit agreement. you can do this by writing to the cao office enclosing £1. we are entitled to rely on your regulated credit agreement as evidence that you agreed to repay the debt incurred under that agreement, as such it is not necessary to provide any further validation over and above this.
the cca act 1974 is the statute that has been specifically designed to regulate agreements between lenders and consumers.by contrast the bills of exchange act1882 is the statute that regulates the use of negotiable instruments. examples of negotiable instruments are bills of exchange promissory notes.your credit agreement and any documents provided to you in accordance with the cca act are not negotiable instruments. it is not therefore necessary for us to provide you with any verification under the bills of exchage act. they go on to give me a help number.
do i just send letter 3 when due?

[judgesprocket]

Yes send letter 3 when due. Enjoy!

[ceylon]

so you sent letter 1 and got that response, have you sent letter 2? if not send that. then letter 3 10 days later

[Andrew1]

hi a couple of days ago I sent letter 3 to MBNA then today I receive a letter very similar to the one above and is in reply to my first letter to them. It also said: 'Insofar as you have purported any laws, theories or practices in relation to the 'Sovereign Citizen', the 'Honour-Dishonour process' or Commercial Liens', please note that these are neither appropriate nor acknowledged in the context of the legal regime which regulates your credit agreement.' That sounds like gobbledegook to me, any ideas! They then go on to say: 'WE note your dissatisfaction with the calls you received.' I didn't say anything about calls and have not answered any. this sounds like a standard letter. anyone else got one.

Be happy and have fun

[ceylon]

check the date it may of been sent befor you sent letter 3 if not bill them

[Andrew1]

check the date it may of been sent befor you sent letter 3 if not bill them

Hi Ceylon thanks for reply, it was dated 9 days before I received it. They say they will not contact me again so I will not be able to invoice them. Is this a new tactic so I will not have a claim on them? however if they do not reply my Estoppel Notice will be sent out over the Xmas period, something these companies always do to us to limit the time available for response.

Be happy and have fun

[ceylon]

they are always trying different tacyics stick to your plan and youll have them

[Andrew1]

Hi ceylon

this morning I had a call from MBNA on my mobile, didn't answer and a Lisa Hitghens left a message for my to call her. I have a recording of that with the date and time from automatic machine on my voicemail. Checked my emails and had an email form her asking me to call her, the money is totting up. My partner found a voicemail and her landline, this is in her name not mine, saying it was a message for me from Lisa Hitghens and could I call her. I have never given MBNA that phone number. Is this an encroachment on her rights and what could I do about it apart from billing them for £1000 as per my user agreement.

Have fun

[ceylon]

read letter 1 and make a complaint

[Andrew1]

Thanks ceylon
also is it best to send an invoice by registered post?