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.
MBNA seem to harass people by phone as a matter of course. By harassment, I mean repeated phone calls, sometimes several times a day, certainly several days a week. They often phone family members, workplaces, etc.
This type of behaviour is not allowed under OFT guidelines and is possbily an offence under statute.
If you are suffering telephone harassment by MBNA, please PM a member of the site team.
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
I had 4 phone calls from MBNA in the space of 20 minutes - a family member answered the phone and barked at them that this was harrassment; didn't hear from them by phone for a few days. Got a letter from the Indian call centre instead, telling me not to send correspondence to that address - as if!
How often does this happen? Has it happened before?
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
MAke sure you keep good records (date, time, who called) and record them if possible. You need to build up good evidence but it sounds like you could have a good case for harassment.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Thanks Steven, will do. Do you know of any way that your phone line provider could give a print out of incoming calls? I don't suppose there is, but just wondered, as this would give irrefutable proof.
This will be a very interesting thread I feel very lucky the last SAR I requested, had a log of all the haressment calls listed for my convenience. It even had the transcript relating to the fact they had been checking up on any spending that I had done. MBNA Rang payplan, my debt management plan co-ordinater to tell them that I was spending money on cards. I hadn't as I don't have any This was a down right lie. They had been watching my daughter's spending and have all her details. name address etc. on their files
Not the indian call centre though might try and get those
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
What sort of level of calls have you been getting HHNF?
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
It seems MBNA get hold of details of other people you may know on a regular basis. Surely that is very very illegal. Just because you are related to someone, doesn't give any company the right to snoop into their lives or contact them regarding your account.
Steven, what do you think? MBNA seem to spend their time doing (allegedly) illegal things. Surely they should be hauled in front of a judge and their credit license revoked with immediate effect. I'm sure they are a little too big for that to happen but their behaviour should not be allowed to continue. Mind you Chester TS seem to be in their pockets too.
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
They've stopped Calling me, probably because they've now Sold everything off to DCA land (who will be asking for Refunds soon I suspect)!
However, I do have a long, long Log of their Calls, many Recorded Messages, and one interesting set of Calls when they used the Calling Line Identity of our mortgage Company.
I moaned at the mortgage Company asking what the heck were they calling about, they said it wasn't them. So, they called the number and found themselves speaking to MBNA on what was one of their own numbers! MBNA fessed up that the purpose of the call was actually about my MBNA Card!
Mortgage Company confirmed this via email, so I have proof.
Long story, but the Call Centre was one run by MBNA who also handled Cards for our Mortgage Lender. So, they could elect to use a variety of numbers when calling out. I am sure MBNA checked who we had our Mortgage with, and thought it would be very clever to use a number that was otherwise not linked to MBNA but to the Mortgage Company instead.
Perhaps they thought I would see a Mortgage related number, poop myself and knee-jerk into answering. Thus give an MBNA Phone Monkey a crack at some abuse otherwise denied them because I'm not usually easy to catch out on the phone, at least not by cretins.
If find these actions by MBNA absolutly ridicoulous...if not unsurprising and most probably illegal. Ive had many dealings and telephone harrasment from MBNA in the past. I wish id found these forums sooner!!! Im in the process of trawling this site to see if i can have my extortionate charges refunded..any point me in the right direction? Good luck and i hope your outcome is favourable. Best wishes
Have you kept records of phone calls from MBNA? If not, start doing it now. What they are doing is almost certainly illegal but you need evidence.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Hi back! Unfortunately not. As i hadnt discovered this site until recently i thought that this was the norm regarding such companies...-ridiculous i know.!!! Again, my lack of knowledge of procedures meant that my account was passed to the debt company as it became impossible to repay. I ended up setting up a repayment schedule via Payplan and have been repaying using this method for some time now. I certainly would like to reclaim any charges however. Can i write to them asking for statements etc? I went to the Martin Lewis money expert site and would like to follow this example
Send MBNA a SAR fro all the data they hold on you incuding statements and then reclaim the charges - look at my Goldfish thread - it is basically the same.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Well MBNA have gone quiet on me....damn....I was hoping to record a nasty conversation!
Seems they may be unsure of what to do since they have defaulted on the 12 day limit to produce an enforceable CCA.
They are now trying a new tactic to get me to contact them - email! Has anyone received an email from someone at MBNA asking you to contact them? Here is the one I got....
Mr FBR Can you please call Nikki Hallworth on 01244 673 093. I am in the office between the following hours, 8am to 9pm Monday to Thursday, 8am to 5pm Fridays and 8am to 12pm Saturdays.
To which I replied stating that they are in CCA default and the alleged debt is now in legal dispute.
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
I was thinking while reading various threads in which many CAGers mention being called via neighbours, friends, parents, workplaces (their own and those of parents etc).
Aside from the harassment issue, there must be something in the Telecomms acts about collating and using arbitrary phone numbers. Just because you call a company on a number doesn't give them the right to retain it and use it in future. They should use only the numbers given to them explicitly for contact purposes by their customers.
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Harassment by MBNA
seem to harass people by phone as a matter of course. By harassment, I mean repeated phone calls
Reply With Quote
Originally Posted by underdog13
I feel very lucky the last 
. I hadn't as I don't have any
might try and get those
Ive had many dealings and telephone harrasment from MBNA in the past. I wish id found these forums sooner!!! Im in the process of trawling this site to see if i can have my extortionate charges refunded..any point me in the right direction? Good luck and i hope your outcome is favourable. Best wishes
