ok, thanks thought so.

this is their response Thank you for replying to this email. Any emails sent to this inbox are not responded to. If you have a query about your account please check your account details online. is this a form of subtle harrassment?

My Email response. Please refer to my letters send to you by recorded delivery about my financial situation and my request for a Subject Access Request and my CCA. I also included documentation regarding harrassment and also my financial situation. I shall be adding this document to my files to present to the financial Ombudsman after I await my reply from your complaints section. I only wish to have written correspondence in relation to my offer of reduced montly payments and frozen interest on my account. I have been wrighting to you since last November and there has been no response to date regarding these letters. I await you reply with respect to the matter above.

Hi everyone, i now had an email from them "Your account remains overdue and your payment history suggests that you are struggling to repay your debt. We are aware of the problems and stress that being in arrears can bring and we would like to take the opportunity to help you, please call 08000 280689 today to discuss your options. Our specialists are available Monday to Thursday 8am to 9pm, Friday 8am to 7pm and Saturday 9am to 3pm. " Do they not read my letters yesterday Virgin and today MBNA.

I got a called today from Virgin stating that my account is in arrear (shock horror) and when I find out how much my outgoings are they can set up a payment plan, but If i can pay £70 next week to clear the old arrears they will stop calling me. I told her about the SAR and she asked "what is that?" do I still make the payments (the fifty not the £70 ) whilst I wait for the SAR?

Hi guys Since the complaint letter I have had two letter One from MBNA and one from Virgin?? The calls have stopped and the MBNA letter said "here is the information you request Sort code ******* Bank ac number ********** please pay the minimum on your statement ?????? The Virgin letter says "Thanks (impersonal) for getting in touch with about the customer services you recently recieved. It's something we take very seriously and we're sorry to hear it wasn't up to scratch on this occassion. We're currently looking into the matter and promise to get back to you with a full response in writing by February 23. 2009" Maybe cause I mentioned Martin Lewis or some other show , can't we contact Watchdog or something .

thanks guys i just read all the posts i you all make me feel must more stronger. I even read the ' i used to work at mbna thread' and how they harrass you at the end of the month well guess what today i got three call so far and a text saying IMPORTANT PLEASE 0800 ARSWHOLE as soon as you get this text, on impulse i was gonna ring to explain but I am not doing anything as i have cheque stub and letters and i am glad that you all told me about the signature so I am hanging onto the card. The better be careful ....thank you guys.

I posted a new thread .. http://www.consumeractiongroup.co.uk/forum/mbna/180882-fedupbymbna-mbna.html#post1950553

I recently posted in the 'HARASSED BY MBNA THREAD' which i was given some good advice and since then I have sent off the SAR and CCA by recorded delivery after using the templates. My story.. I was working contract (teaching) and my classes were cut due to low intake. In November I was not paid all money due to not working and and there were issues with some other freelance money not paid to me so there was no money coming in and I have evidence of not being paid also with MBNA's mounting interest rates crippling me:-o.I was unable to pay for that month. My total debt is £6,000 all to credit cards, MBNA, Capital One, Halifax and Barclay card. The biggest amount is MBNA which was £3,000 now with their interest it is £3,300 (can you imagine) this is due to them not making an arrangement. I was advised by National Debt line to send in a earnings sheet which i did and Captial One acknowledged this but MBNA never replied they kept ringing me and forcing me to pay more than I could afford. (halifax is £1,000 and barclaycard is £250 I can pay them as they are very small amounts per month) also Captial One is £1,500 so I have agreed with my current salary to pay Capital One and MBNA just £50 a month each which i think is a good amount as opposed to £100 per month MBNA was asking for. I also sent an earnings breakdown to both, Capital One asked for proof via wage slip and bank statement which i sent they then sent me a letter saying that I can pay the reduced amount and they will freeze the interest but i have six months to pay the arrears, but MBNA never acknowledged my form and just keep on ringing via Aegis which i am logging they also sent me a letter yesterday stating that 'They have made several attempts to contact me about my account and i need to pay asap ':?. funny that! no acknowledgement of the letters wrote or cheques sent hmmm. By the way I am just still paying the £50 a month to both of them as advised, and I am a homeowner too but was informed by debtline that it is a non priority debt and to keep paying. I have no other debts only credit cards and this situation could have been rectified ages ago as I had a regular payment history with all my cards I feel angry with MBNA I have also sent an complaint in from your templates. Anyway I await notification from those muppets so can somebody please advise me what happens next I read the threads about SAR and conclude that they (muppets) have 40 days to reply, and as soon as I receive the CCA agreement should i post here (with details blanked out of course lol) ..? Please help once again thanks you guys...

thanks I will do I shall invest in a whistle W*&£":s!!!!

Thanks i will post a new therad I have been looking for the basics on SAR and CCA ie template letter but there are so many posts can somebody direct me to the correct thread? I would be grateful in the mean time I will post my history and still try to look. harrassed

Thanks

Hello everyone, I am new to this thread and situation, I am negotiating repayment of credit card debt and have made an arrangememnt with CApital One which is ok but MBNA keep ringing via Aegis via India!!! 9.30 Then 1.00 then 7.39 I have sent a letter and even when I told the office that I have been advised to only respond in writing they told me that Aegis will still call me and text me to contact them. I need advice as this is really stressful I have kept times of calls but I will look into blocking them. I do think that a group harrassment claim and maybe an harrament claim would be good. I am going to go after them for charges and interest rates and also can you point me to the thread that deals with credit agreements has I heard that there may not be legally binding. Is this true? I know this is long with typos but I am so angry i have would and now could cry again. I was going to buckle under the pressure to borrow but now after reading your posts i feel better. yours harrassed..