Thread: Mbna - Ex Hfc-beneficial - sold to Hillesdens/dlc

And another! (Also thread for MBNA - Virgin)

Hi All,

Have sent 'Account in dispute' letter as they have not replied to my CCA request on 29th April.
I realise this is not going to be easy and ultimately I want to get to a F & F offer asap.

The CC is up to date at the moment and would never have been a problem if they had stayed as things were with HFC. Salary was paid to this card on a monthly basis and covered all DD's and S/O's but when it went to MBNA they stopped the facility that had been used for getting on 15 years, if not longer.

So annoying!

Hi anyone?

Not heard a sausage from these, had a look online last night and they have changed due date of payment from 19th ish to 7th (earlier not later!) so now in arrears anyway and of course, £12 charges slapped on. So I removed all contact phone numbers!

Account now in dispute so not sure what to do next really.

This is a really old CC which was originally through Beneficial, could offer F & F but it seems that you may get a better result if the account has defaulted and DCA's involved.

Any thoughts/advise greatly appreciated and how to move this thread to MBNA forum.

Thank you.

Aah, looks like I am there!

Hi any advice appreciated please.

Message left on home phone to call RMA 01772 833380.

Think I have seen RMA on some threads but not sure which, I have just missed last payment for MBNA so assume it is on their behalf.

I have no intention of calling back though, still waiting for reply to CCA from 28th April and sent Account in dispute letter.

Thank you

Had another message left on landline from RMA to call them, which I didn't do.

Letter received in the post this morning from them so that confirmed they are chasing payment on this card.

Should I write back to them advising that this account is in dispute or just do as MBNA do and ignore them completely? (for at least 2 month anyway!)

Any experts out there? Help gratefully appreciated

For what its worth, I would ignore RMA as in my experience they take no notice of your letters. To my credit I did get them to slam the phone down on.me .

As MBNA are in default of your CCR, they are in the wrong to pass your account to RMA so the more RMA try to contact you the more of a counterclaim you will have for harassment if this ever went to court.

Hi RevIan,

Thanks for your advice, they have called home today and my works number, really not impressed fortunately I took the call but it could have been quite embarrassing for me! As they asked for me by my first name which I don't use, I just said no one of that name here!

I went online and removed my numbers, so they have got them from somewhere.

In that case I think you should go to Bank templates library and send the telephone harassment letter.

Sorry that should be debt collectors Library

Thanks again rev.ian will get a letter sent to them tomorrow

Hi rev.ian, if you are around. Or anyone else.

Just a little advice needed please.

I came across this letter which I believe may be more appropriate, in the first instance rather than the telephone harrassment letter (they have only called 3 times) so far. Yes I expect it will get worse!

Not sure what dates to put in, I CCA'd them on 28th April and sent Account in dispute on 29th May. Do I quote the dispute date as 28th April plus 12 working days and/or 29th May plus 30 days?

The dispute date is 12+2 days. I bet MBNA didn’t even tell you that RMA would be dealing with this account, as that a breech of OFT guidelines as well.

“Office Of fair Trading debt collection guidance
2 UNFAIR BUSINESS PRACTICES
2.6 e. not informing the debtor when their case has been passed on to a different debt collector”.

Thanks again rev.ian,

No of course they didn't tell me. I suppose they may have done if I had spoken to MBNA when they called me!

LOL

Letter to go today
Off to RMA!

Getting poetic, must be the heat!

They seem to have gone very quiet now, no letters or phone calls.

Wonder what will be next. :-|

Ah, they sent me an email this morning.

Dotty, I got a call from RMA today. I also have had no reply to my CCA and they just sent me my SAR so I know they have no enforceable agreement (it was an application form without any credit limit amount).

Thanks for posting up your letter, and Rev.ian, I will work out what to send MBNA now!

Hi Anyone,

Have been away for a couple of weeks, still no reply to CCA request but constant calls from them (glad I don't have their phone bill to pay)!

Well I called them, (yes I know I shouldn't) the lady that answered said "Are you calling to make a payment?" "No" said I.

I was then transferred to a different dept and the person I spoke to advised that nothing showing on their system for the letters that I have sent (surprise, surprise) he gave me another address, just a different PO box number. He didn't question anything, I just said I would only deal in writing, so have sent copies of all my letters (3) today and given them 30 days to reply.

He said it can take up to 14 days to get letters scanned on to their system! Expect they have quite a lot!!!!

Shame!

Hmm. No reply as such yet.

No calls either, 1 email that doesn't let you reply!

However I did get a 'Combined Balance Letter' recently.

See my other thread.

http://www.consumeractiongroup.co.uk...irgin-cca.html

Any suggestions what to do next please?

You sent a valid CCA request, they have not fulfilled your request.
I would do nothing for the following reasons.

• Whilst they are in default of your request they cant chase you.
• The more you get onto them, the harder they will try to find a valid CCA.
• The longer they are in default the better it will look for you in the eyes of a judge if ever it went to court.