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dannyj

Need some help suing MBNA

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MBNA continues to report a charged off account on my credit report. They say the account was sold and have no record of the account other then that it exists in my social security number. The first CA they sold it to, went bankrupt. The next CA they sent it to shows that the account was paid, but has no additional information. I have no need to validate the debt with the CA because only MBNA reports the delinquent account.

I have tried to dispute it with the CRA's and they always come back verified, because indeed the account is in my name and SS#.

Do I have the right to demand any additional information from MBNA? If not, why? I claim the account was never mine. I should have the right to demand a signed contract or at least a payment history or card usage history. All of which they do not have! (they told me so!)

I believe my next step is to take them to small cliams court. If I do, who is the burden of proof on? if it's on them, I know they can't prove it! Can I sue them even if they have no address in the city I live in?

In truth this is all rediculous because it does them no harm to just have the account deleted at the CRA's.

Thanks in advance for all your help!

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<blockquote>Originally posted by ru4real

MBNA continues to report a charged off account on my credit report. They say the account was sold and have no record of the account other then that it exists in my social security number. The first CA they sold it to, went bankrupt. The next CA they sent it to shows that the account was paid, but has no additional information. I have no need to validate the debt with the CA because only MBNA reports the delinquent account.

I have tried to dispute it with the CRA's and they always come back verified, because indeed the account is in my name and SS#.

Do I have the right to demand any additional information from MBNA? If not, why? I claim the account was never mine. I should have the right to demand a signed contract or at least a payment history or card usage history. All of which they do not have! (they told me so!)

I believe my next step is to take them to small cliams court. If I do, who is the burden of proof on? if it's on them, I know they can't prove it! Can I sue them even if they have no address in the city I live in?

In truth this is all rediculous because it does them no harm to just have the account deleted at the CRA's.

Thanks in advance for all your help!

</blockquote>

How old is the account???

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