Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
THATS BECAUSE I DIDN'T APPLY OVER THE PHONE!!!!?????
Started my claim by sending standard letter to MBNA on 29th Sept, they recieved it 2nd Oct, i did get an ackowledgement on 8th Oct telling me they would write to me with a final response by 28th. I got my final response today dated 14th Oct telling me I wasn't mis-sold as I agreed to it according to their notes in Nov 02 over the phone. However they dont keep copies of calls after 6 months so cannot provide me with a copy and the letter also states they do not require signed consent to agree to PPI as they send the T&C's anyway!
A few things which concern me
1) I NEVER apply for things by phone, my app was written!
2) Why on earth do they not require a signature??? How do they know I agree or understand the T&C's??
3) Deleting calls after 6 months????
4) How did they know on the 8th Oct that it would only take them till 28th to reach a final response????
Considering this is their final response I will now go for fos, has anyone had any similar dealings with MBNA?????
Argos storecard - Refund £677 just 1 week after standard letter sent -refunded to account though, wouldn't send me a cheque! Mbna - Ongoing........ Barclaycard - Letter recieved by them 1st, had to chase but they are looking into it now and retrieving original app Egg- Same as above!
Pinnacle - Ongoing......
THATS BECAUSE I DIDN'T APPLY OVER THE PHONE!!!!?????
Started my claim by sending standard letter to MBNA on 29th Sept, they recieved it 2nd Oct, i did get an ackowledgement on 8th Oct telling me they would write to me with a final response by 28th. I got my final response today dated 14th Oct telling me I wasn't mis-sold as I agreed to it according to their notes in Nov 02 over the phone. However they dont keep copies of calls after 6 months so cannot provide me with a copy and the letter also states they do not require signed consent to agree to PPI as they send the T&C's anyway!
A few things which concern me
1) I NEVER apply for things by phone, my app was written!
2) Why on earth do they not require a signature??? How do they know I agree or understand the T&C's??
3) Deleting calls after 6 months????
4) How did they know on the 8th Oct that it would only take them till 28th to reach a final response????
Considering this is their final response I will now go for fos, has anyone had any similar dealings with MBNA?????
Hello Orange,
I can see by your ?????? that you seem displeased with their response and I can understand why. They must be morons
mbna like to send final responses to their customers, cause It might make some of them not continue with their complaint, but we know better.
Have your sent them a S.A.R - (Subject access request) or a request under section 77/78 for a copy of your credit agreement?application form.
If you have not do so, get some homework done, before you approach the fos.
mbna will soon realise that they cannot fob their customers with the we don't keep recorded telephone calls after 6 months, serious breach of the data protection act springs to mind, they have to by law keep them for 6 years
If you need more assistance, just ask, mm I hate mbna with a passion
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Hello HHNF - I'm seething!!! Like you say it is obviously just a get lost final response, or a "we dont realise you are a member of CAG" final response!
S.A.R will be winging its way for a copy of the CCA which I very much doubt they will provide if they dont keep phone calls!
Hello HHNF - I'm seething!!! Like you say it is obviously just a get lost final response, or a "we dont realise you are a member of CAG" final response!
S.A.R will be winging its way for a copy of the CCA which I very much doubt they will provide if they dont keep phone calls!
Send everything recoreded delivery and keep a track on the royal mail website,
If you just send a S.A.R - (Subject access request) they may not provide the ca as they state it is not held in a relevaant filing system. Best to cover all bases:grin:
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
If you just send a S.A.R - (Subject access request) they may not provide the ca as they state it is not held in a relevaant filing system. Best to cover all bases:grin:
If they do reply using the excuse above, then check it out with the Information Commissioner's Office. If they are holding documents on microfiche.. it IS a relevant filing system
1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
MBNA PPI - No recording of call
on 29th Sept, they recieved it 2nd Oct, i did get an ackowledgement on 8th Oct telling me they would write to me with a final response by 28th. I got my final response today dated 14th Oct telling me I wasn't mis-sold as I agreed to it according to their notes in Nov 02 over the phone. However they dont keep copies of calls after 6 months so cannot provide me with a copy and the letter also states they do not require signed consent to agree to PPI
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Originally Posted by orange6
Like you say it is obviously just a get lost final response, or a "we dont realise you are a member of 
