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Drydens for Max Recovery - MBNA card Default On Credit File


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Here's the screenshot of my credit file, usual bits removed.

 

It says the entry was for "ACCOUNT MANAGEMENT".

 

This was done AFTER an SAR request was sent in.

 

MBNA made no mention of this being done in their response.

 

ICO have said its not normal practice.

 

I'm waiting on a repy from the Case Manager.

MBNA CRF Search.pdf

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threads merged

please keep to one thread per issue

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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its not harming you

I think only you and them can see it anyway

probably just checking your details

and its been marked wrongly

which under the consumer credit act they are entitled to do.

 

wonder what another CRF provider shows it as

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I would assume its simply an address search

and they used the CRF to verify your details .

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

no under the data protection act and the rules surrounding the [D]sar request

they are entitled to undertake any/all reasonable steps they wish to , to confirm your identity

the fact that you've been in contact with a different dept

doesn't mean the left leg should assume the right leg is correct

and automatically follow suit

in issuing personal data to someone they should not.

 

its how data protection works.

 

it might be an idea for you to now sit on your hands.

and not keep contacting the world and his dog everytime your cat farts

 

only communicate to anyone after you ask here first.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

they still have to abide by the act

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Just got an email back from MBNA.

 

They said it was an "internal admin search" whatever that means and have agreed to remove it.

 

Also said that Max Recovery have said the default date has been changed to 1st June 2012.

 

How long does that leave left now on the default!?

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6th birthday the whole account vanishes from your file

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Good news.

 

MBNA agreed to remove the entry from my credit file.

 

They also said Max Recovery have changed the default to 1st June 2012 and not the 3rd August 2012.

 

It would be interesting to see what Max Recoveries next move is.

 

They are aware I have no funds to pay the outstanding balance due to being on ESA of £110 per week.

 

Max Recovery refused to write the balance off, I don't see the point of keeping a debt alive when they are fully aware there is no possibility of me ever making a payment!!

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  • 2 weeks later...

Received the SAR paperwork today from MBNA and have a concern:-

 

Niether a copy of the Notice or Deed o have been provided.

 

No copy of the original default notice.

 

Any advice?

 

I understand that "Lord Denning states in the Pelias Construction Case (Van Lynn Developments v Pelias Construction Co Ltd 1968 [3] All ER 824) where he said the debtor is entitled to "view the sale agreement to ensure that the assignee can give him good discharge under the contract."

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You wont get to see the Deed...

Is there anything in the SAR notes to say a Default Notice was issued?

 

I wont comment on Denning... Ill let the others do so...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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ok so proof of default exists.

stop reading FMoTL sites...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

post 69

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 weeks later...

there doesn't have to be one.

only record of DN or TN being sent

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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