Rubber ear lol....

Hello all... Think this might interest you. I received a private message yesterday from somebody called faza... Have a read.. Because it looks to me that mbna are definately snooping this site and then trying to put the scarers on people with negative messages... hi, from what i have read it looks like mbna will be doing either of the following. 1)they will be taking you to court to obtain a county court judgement. if this happens you will receive a letter from the court which explains the process. if a judgement is made against you, you can fill out a form to explain your financial details and how much you can afford to pay. the court will then decide how much you can pay, they will do this by looking at your income and expenditure and will set an affordable monthly payable amount. by filling in the form to pay an affordable amount each month, this will put a stop to the judgement order being enforceable by a bailiff. or 2) mbna will sell the debt, once this happens, the debt will come in to the hands of another company who will start asking you to repay the money. what options do you have? 1) you can phone mbna tell them about your financial difficulties, ask them to stop any late payment fees and to stop the interest which is being added on and ask them to come to an arrangement to start making affordable monthly payments. 2) you can wait until a county court judgement is passed and you can ask the court to set an affordable monthly payment to pay off the debt. 3) you can argue that the credit agreement is not enforceable due to it being illegible. as mbna are disagreeing with you, you could only do this in court and would probably need some legal advice on how and when to argue your case. its best you try and deal with this as soon as possible as the more you leave it the more late payment fees and interest will be added.

lol... It just so happens they are a basic account holder who joined in may and has made no posts at all... Total Posts: 0 Posts Per Day: 0 Find all posts by faza Find all threads started by faza

Thanks bbb.. ( ; I must be doing some thing right as i have just recieved a very suspicious message in my inbox.... I do believe we have a mole!! Check this out...... hi, from what i have read it looks like mbna will be doing either of the following. 1)they will be taking you to court to obtain a county court judgement. if this happens you will receive a letter from the court which explains the process. if a judgement is made against you, you can fill out a form to explain your financial details and how much you can afford to pay. the court will then decide how much you can pay, they will do this by looking at your income and expenditure and will set an affordable monthly payable amount. by filling in the form to pay an affordable amount each month, this will put a stop to the judgement order being enforceable by a bailiff. or 2) mbna will sell the debt, once this happens, the debt will come in to the hands of another company who will start asking you to repay the money. what options do you have? 1) you can phone mbna tell them about your financial difficulties, ask them to stop any late payment fees and to stop the interest which is being added on and ask them to come to an arrangement to start making affordable monthly payments. 2) you can wait until a county court judgement is passed and you can ask the court to set an affordable monthly payment to pay off the debt. 3) you can argue that the credit agreement is not enforceable due to it being illegible. as mbna are disagreeing with you, you could only do this in court and would probably need some legal advice on how and when to argue your case. its best you try and deal with this as soon as possible as the more you leave it the more late payment fees and interest will be added.

Thanks shadow I will give it a couple of days and see what they do. The fos are dealing with my case at the moment so i may let them know about the latest threatogram....

Yeah i think court is the only way really.. But its a bit scary...

Dont think i have been sent a default notice... They have sent me everything else.. lol Had this last week but dont think it is.

Think my last letter fell on death ears.. Got this today.

Had this through earlier this week and today i had a post card from them stating they will be visiting me at home next week! This is a bit worrying... Are they allowed to come to my house? Can i stop them from coming? Does any 1 know?

) :

Any body know what move i should make next???

Not heard anything from this 1 for a while. Would it be worth replying to the last letter if so what should i say? Any ideas??

does any 1 know if the screen shots can be doctored?

Any help on this 1 would be apreciated ( :

Got this through today.. What should i write back any ideas?

Hi Squidward They really are an unruley bunch. Thanks for your support.

It seems that mbna really dont take any notice of anything we tell them. Had a letter from them today.. I also had a letter from the financial ombusman about the complaint i have made against mbna i need to fill in a form and that will set the ball rolling... Heres the letter from mbna

Thanks shadow i have included it in a letter. Lets see if they reply.

Had this from RBS today... Any ideas for my next move???

Had this today It seems like they are just ignoring my correspondense!

Thanks Cerberusalert Printing it now.

My original loan was 2003 then in 2006 i applyed for another loan online to pay off the 2 egg cards i had... The online loan was declined but egg called me up and said i could pay the credit cards off with a top up loan but i would have to cancel the credit cards i agreed and this was all done on the phone so im not sure where that screen agreement has come from.. Would they be able to doctor it???

Had this from Portland today.. Dont think they have taken any notice of my bemused letter.

Had this through today..

Had my sar arrive today.. Lots to look through but this was near the top. I remember now that i applyed on line but it wouldnt give me a decision and egg phoned me back and went through the loan on the phone.. I guess my goose is cooked..