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MBNA - The Full Monty


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Hi all,

 

Someone on another thread suggested building a library of the threatograms received from various banks/DCAs. Well here's mine from MBNA. I don't know if I've received the full set, but it does give a very good idea of what it's like to deal with MBNA and what you can expect. In my case, the "agreement" they sent me was a great big pile of dung. Anyway, here's a link to the pdf file:

 

humyo.com - The Full Monty.pdf

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I think it was my suggestion. Thanks for the (very familiar looking) collection.

 

Scarlet,

 

Apologies for not remembering but I'm now subscribed to so many threads that it's getting hard to keep track.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 2 weeks later...

It certainly was. It really is unbelievable in this day and age, with all and sundry challenging them over credit agreements, that they should make a cock up like that. It doesn't really make much difference though because what they sent me by way of an agreement was a joke: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/86182-fred-bassett-mbna.html#post797446

 

Anyway, I can now have a bit of fun with IQOR. They're great fun to deal with. They give their names and tell you they're 'calling from Preston', but they won't give the name of their company. It's so easy to wind them up.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Fred, some of those letters are really amazing.

All those threatening road sign type symbols lol

 

Blatent breach of OFT guidelines trying to make you take on more debt to pay them. Also trying to get you to refinance the card with a secured loan too. lol. The lengths they go to when they realise you know they have no enforceable agreement.

 

My fave is the "who wants to be a millionaire" style question one.

I choked on my cider laughing at that one. I even printed it out.

 

Damn why didn't I go for that MBNA card 5 years ago when they pre approved me for one.

 

Feel like I'm missing out on all the fun here. :eek:

 

Any chance you could post some copies of your replies to those MBNA muppet letters? Would love to see them.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Oh Fred, if you don't post the Millionaire letter on the cheekiness thread, I'll be very dissapointed. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Fred, some of those letters are really amazing.

All those threatening road sign type symbols lol

 

Blatent breach of OFT guidelines trying to make you take on more debt to pay them. Also trying to get you to refinance the card with a secured loan too. lol. The lengths they go to when they realise you know they have no enforceable agreement.

 

My fave is the "who wants to be a millionaire" style question one.

I choked on my cider laughing at that one. I even printed it out.

 

Damn why didn't I go for that MBNA card 5 years ago when they pre approved me for one.

 

Feel like I'm missing out on all the fun here. :eek:

 

Any chance you could post some copies of your replies to those MBNA muppet letters? Would love to see them.

 

Hi Fuzzy,

 

here's my thread: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/86182-fred-bassett-mbna.html#post779349

 

To be honest though, I didn't bother replying to most of them. The one's where I did reply are just standard stuff and most of them I didn't post up.

 

The most fun I've had is with Halifax, look at these thread: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/86614-fred-bassett-halifax.html#post784268

 

I really took the p*ss out of them when I knew I was on to a winner. This one went from Halifax to Blair Oliver and Scott, then Moorcroft and now it's with Wescot.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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oh fred, I feel quite jealous not only did you receive a real life DN you also received lots of nice correspondence with Dee and Martin :D

Where did I go wrong as they won't discuss my account with me ;) and they didn't spend half the amount of postage to my address.

You lucky devil you getting all those love letters ;)

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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oh fred, I feel quite jealous not only did you receive a real life DN you also received lots of nice correspondence with Dee and Martin :D

Where did I go wrong as they won't discuss my account with me ;) and they didn't spend half the amount of postage to my address.

You lucky devil you getting all those love letters ;)

 

Hi redsue,

 

I think it's my charm and boyish good looks, as explained in this thread: http://www.consumeractiongroup.co.uk/forum/bear-garden/105072-lighter-note.html

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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you silver tongued devil you....

 

I need some lessons from you in the art of persuasion to get Martin (Mcgrath) to even notice me... where did I go wrong... ;)

 

was it claiming my bank charges back from him? Did that start things off on the wrong foot?

 

All I want is a enforceable credit card agreement from 1993 - hell I was a good looking energetic 18 year old then :D

 

ok, I admit after 2 kids my size 8 figure isn't what is should be - but I'm feeling rather low that martin won't answer my letter :D :D :D

 

fred - please, can you advise? :p

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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you silver tongued devil you....

 

I need some lessons from you in the art of persuasion to get Martin (Mcgrath) to even notice me... where did I go wrong... ;)

 

was it claiming my bank charges back from him? Did that start things off on the wrong foot?

 

All I want is a enforceable credit card agreement from 1993 - hell I was a good looking energetic 18 year old then :D

 

ok, I admit after 2 kids my size 8 figure isn't what is should be - but I'm feeling rather low that martin won't answer my letter :D :D :D

 

fred - please, can you advise? :p

 

Hi redsue,

 

33 and a size 8 sounds pretty good to me. I can only assume that either Martin dosen't like kids or he bats for the other side!

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I am jealous as well I didn't get any of the pretty coloured ones before they sold it on to Equidebt and I didn't even get that nice accompanying letter with the farce of a CCA they sent me just a compliments slip

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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