MBNA ireland

[mossy69056]

hi all

just sent letter 1 to mbna today to see what happens
just wondering i only sent letter 1 and nothing else,should i have sent the user agreement and copyright notice with the letter or wait for a reply and send them with the 2nd letter?

thanks in advance
ps fantastic forum
fair play

[ceylon]

Send user agreement only in next letter but you could have sent it with the first or third

[mossy69056]

thanks for the reply ceylon
will send it with letter 2

will keep ye updated

[mossy69056]

just sent letter 2 off monday and no letters from MBNA
had a voicemail message tuesday from a DERMOT MCGOWAN looking for me to contact him(even though the 1st letter states i dont want to be contacted by phone,only in writing)
did any of ye had any contact with him or know who he is?
MBNA have tried to ring me a few times but i dont answer numbers i dont recognise

thanks in advance

[mossy69056]

hi all
got a letter from MBNA today and it gos like this

than you for your letter dated 21st september 2011

we are keen to help our customers with any queriies or concerns that they might have regarding their specific accounts with us.while your letters have made several points,most of these appeared to be directed at the banking and legal systems more broadly.as such,your letters do not appear to disclose any material fact or make any claim which is specific to your account.we are not able to comment on the broader issues but do maintain that the balance on your account remains outstanding. In particular:

.your debt has being properly incurred by you under a standard form agreement made between MBNA Europe Bank Limited and you as an individual regulated by the irish consumer credit act 1995.

.under s30(4) consumer credit act 1995,their was no requirement for the parties to sign your credit agreement.instead you received the terms and conditions of your agreement with your credit card and you were informed that signature and use of your credit card signifed acceptance by you of those terms and conditions.

.In return for providing you with a line of credit,you agreed to make the minimum repayments set out in the credit agreement

.MBNA's consumer lending activities are not covered by the bills of exchange act 1882.Rather they are regulated under the irish consumer credit act 1995.As such,we have not "converted" your credit agreement into a bill of exchange or promissory note.Indeed,we would point out that in irish law,credit cards are treated very differently from bills of exchange and promissory notes.See for example,the stamp duties consolidation act 1999(section 124 and schedule 1)

.MBNA Europe Bank Limited is fully licensed,authorised,registered and regulated by the UK Financial Services Authority and the Irish Financial Regulator to carry out its business.AS such we would firmly dispute any allegations of fraud based on our business model.


In light of the above,we confirm that we are entitled to rely on the use by you of your credit facility as evidence that you have agreed to repay any debt incurred under the agreement,AS such we will not be providing any further "verification","validation" or "proof of claim"

yours sincerly

MBNA EBL

what do ye think
whats the next step
im due to send letter 3 tomorrow

thanks

[ceylon]

let letter 3 be your response

[mossy69056]

will do
thanks for the reply ceylon

[mossy69056]

sent off letter 3 yesterday and received a letter from MBNA today

it gos like this

we are in receipt of your letter dated 1 october 2011, in relation to the above account

we recently responded to your comments on 26 september 2011. A further copy of our letter is enclosed

AS it would be disproportionate to the issues raised,we do not intend to enter into subsequent correspondence with you about these issues and this is our final response on the matter


yours sincerely

MBNA EBL


what do you think
is this good or bad
what do i do next

[ceylon]

well if they are not going to bug you anymore thats great, after all thats what we want for them to f##koff and leave us alone

[mossy69056]

god news then

do i send estoppel after 30 days?