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Yesterday I received 6 phone calls from MBNA/Global Vantedge all rejected of course.
MBNA still haven't returned the CCA's I requested and I only stopped paying them 2 weeks ago. Is this an Indication that the CCA's do not exist due to the fact that they have started harrasing me by phone so soon.
Is it now time to send the telephone letter ?
Yesterday I received 6 phone calls from MBNA/Global Vantedge all rejected of course.
MBNA still haven't returned the CCA's I requested and I only stopped paying them 2 weeks ago. Is this an Indication that the CCA's do not exist due to the fact that they have started harrasing me by phone so soon.
Is it now time to send the telephone letter ?
Probably more due to the missed payment , I do not know if they are smart enough to put 2 and 2 together that it is a cca issue . I would also send a data access request , see templates , to find out if there is an enforcable credit agreement on file .Send the telephone letter by all means if they are annoying you .
They have received the CCA requests as they sent me one out which did not match any I had asked for. I followed these requests up with Account in dispute letters and these have also been received by them.
I take it it's too early for phone call letter ?
They have received the CCA requests as they sent me one out which did not match any I had asked for. I followed these requests up with Account in dispute letters and these have also been received by them.
I take it it's too early for phone call letter ?
Its never to early if you are communicating with them by other means , letters, if you are writing to them , surely there is nothing more to say .
Hi all that global disadvantage can see is a list of accounts and the amount of arrears with last payment date. They are not interested in anything other than getting the maximum amount of money from you that they can.
Update on above still receiving phone calls but still ave not received CCA's that have been requested. Dispute letter also sent however this has been ignored and default letters have been received.
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Does anyone know of a link to a template for a combined harassment letter along with an alternative to a CCA request as MBNA & Barclay card have sent nothing after a CCA request and a Dispute letter other than letters telling me that my accounts are in arrears which were sent second class I may add.
have you claimed back any credit charges that were before the £12 limit?
ida x
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I am 3 payments behind and they have only sent threats of a default notice and passing it to DCA.
Haven't claimed back any charges yet will start ball rolling re SAR request at beginning next week.
I am just a bit cautious re claiming back charges if I am ultimately looking at the enforceability of the agreements.
I have looked at some of the threads in the MBNA forum. Will spend more time when possible.
Another letter received today via 2nd class post dated 12th February.
Claiming that they cannot help me if I don't reply to their letters or calls(NO chance). Threatening CCJ/SCD ,arresting of wages after court judgement, bailiff, Charging order etc. etc. etc.
Mr Supple letter on way along the same lines regarding ignoring letters.
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PPI on one card which I didn't CCA but don't know about other two.
From the one I know that there is PPI I don't recall any documents sent to me to sign regarding this all I remember doing is ticking the box.
MBNA making calls to my place of work. Eventually gave in and called them back and spoke to a charming lady who insisted I went through security before proceeding on this I declined and made it quite clear under current guidelines she was not in a position to call me at work and that the call was being recorded. She glossed over this fact and claimed that the call could go no further as I refused to go through security at this stage I reiterated that she was never to call me at work and details of all calls and messages left for me at work would be passed on to the fos and OFT along with the recording of the call and messages left on my mobile at this she said that they would also pick up that I was being uncooperative. Priceless.
yesterday they told me it was impossible for them to stop ringing as they are an on line bank . As they have already misquoted one phone call on their records I'm not willing to do anything by phone so they have said they'll only stop hassling if I pay all my husbands arrears, despite having PPI to cover this ( which they cancelled when they had the letter telling them my husband was being made redundant and wanted to make a claim on his ppi ) What!!!
MBNA-Global Vantedge Phone Calls
from MBNA
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Originally Posted by Mitch524
20/03/2008 settled in full out of court
