laidy_ma
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Everything posted by laidy_ma
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Thank you Bazooka Boo. Credit Card-HSBC Bank, currently with Cabot/ Marlin Account Start Date: 01/2007 Opening balance:£2700 Default balance: £2700 Date of default: 06/2010 I think this probably was an online application... I will ignore them. Do you suggest to again request CCA or best keep quite and see if they will contact me ever again.
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Thank you brassnecked, I never stopped paying them but I have been paying only £1 every month (to Marlin via their website) for the last 3-4 years. In the last 3-4 years I only have received one phone call more than a year ago and they were checking if I can pay more I said NO and they were fine.
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Hi, I have been paying Marlin Financial Services £1 every month for years... I know they are under Cabot but I still was opening the Marlin website and paying through the Marlin website page every month by stating my ref number. Today when I tried to open the Marlin page it does not exist - it sends me straight to the Cabot page and nowhere Marlin has been mentioned and when trying to pay the £1 it does not want to accept it as they can't recognise my ref number.. .it does say: the details provided do not match an account. They have my address and mobile phone number but they have never called me or sent me any letters to tell me to pay to Cabot ...I have not been provided with a new ref number. Should I stop payments and wait for a letter eventually? Maybe they sold the debt to another company? The debt is for around £2500... A while ago I requested CCA but they refused to provide me with one saying my postal order was not named to them asking me for a new postal order named to Cabot and I never responded to this. They never sent me any further correspondence. I tried to see what company shows on the debt on Noddle but this debt is more than 6 years old now and has been deleted from Noddle... Any advice please? Am I right to ignore and not make any efforts to pay?
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Thanks DX, I will upload the whole info into one pdf document - will try to do that asap (by the end of the week). Ex boyfriend name mentioned at least couple of times on their comments sheet including his e-mail address but I guess he had another card number and the CCA is all about my card. .. all look very confusing. I will ignore the 'litigation' letter for now...
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hello again, Advice will be highly appreciated about the following. As suggested I sent SAR to MBNA- I received the SAR back. The bank transactions match what PRA sent me in their CCA. Please see #30. I have also received the card agreement no signature (2006). Including in the SAR about 20-30 pages of communication between the bank and myself and effort on their side to FIND me by talking to my former employer (where I was a nanny before getting ill and going to hospital with cancer diagnose): most of the notes are some sort of codes which I don't understand at all, some of the notes are mentioning dates when they have called me and I have explained that I am very ill in hospital etc...(which was true) and they asked me to sell something to pay my debts!!! It states that I am a primary card holder but it seems that my ex partner was also a card holder?! which I have forgotten. He also has done all the online application for most of my cards. In the Operator/communication log sheets they have changed my e-mail address to my ex boyfriend e-mail address for some reason!, I think it is quite clear I was not the only card holder on this account. I have been reading the documents they sent me and still can't understand 99% of it. I don't believe that I can upload all this information here? 20-30 pages? Is there anyone who has the time to look in detail and advise please if possible to upload the documentation here? I received the SAR in the end of April. PRA has been ringing once a day (automated service) asking to call back- I never responded. No letters in the post from PRA except the one I received couple of days ago. Please see the letter attached: They are telling me that my account has been transferred to the Litigation Department and to contact them in 14 days. I have not been paying them anything since January when I sent the CCA request. Ignore the letter? Thanks in advance. litigation-department-lettter-pra-13-06-2016.pdf
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Thank you angry cat. I called 'idiots' the MBNA people I spoke to. I called them twice and twice asked them for the address and explained to them why I need it and they kept me on hold and asked supervisors etc... I even mentioned the address with 9QQ post code and they still gave me the address with the PO Box. I even asked them 'Are you sure?'...and they said 'yes' lol Once I receive any response I will update you.
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I did already and I used CH4 9WW. I sent it recorded...The idiots from MBNA over the phone told me to use the address with the PO Box. It has been received and signed by them already so hopefully it will get to the correct department. it seems all departments are situated in the same building anyway. I gave them 10 days to write to me if there is a problem...I will let you know from what address/post code they have responded to me.
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I received it today- will need sometime to read the documents. They have put Mr instead of Miss in the letter and on the envelope for some reason. I am a female and my name can only be female name- anywhere else in the docs I am Miss but the idiot who wrote the letter and on the envelope have put Mr.
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Perfect, thanks I have it already on my desktop - I sent one to Barclays in January. I will double check though just to make sure there are not any changes from January. I am still not paying anything to Pra... I will keep you updated. Thank you again.
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Hi, I sent SAR on 07/01/16 to Baclays. On the 05/02/16 I received a reply from them returning my orginal letter and postal order telling me that they require a cheque or postal order Named to Barclays Plc. I sent what they requested and I have a proof of delivery that they have received it on 09/02/16. I also followed the suggestion be slick132 and told them that it was not really necessary for them to return the postal order in first place so the time counts from the time they received my original letter in January. I have not got any news from them and it has been now 40+ days after I have sent the second postal order and 70+ days since I requested the SAR in January. Can you advise what to do please? Call them with the reference number and ask them? Write to them and ask them where is my SAR? Or wait a few more days and complain but to whom?
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I called MBNA to confirm card numbers and it seems that in this balance sheet attached in #30 they have mentioned two completely different credit cards- no idea how this has happened but there is something wrong... the first two card numbers mentioned in the balance sheet belong to MBNA Platinum Plus Master Card and the last 4-5 lines of the balance sheet shows a third card number finishing on 39. This is MBNA Europe Master Card...Are not these completely different? First I spoke to a woman and she was telling me that I use to have 2 different credit cards with them , second I spoke with a man who told me that both accounts have been passed to a collection agency expert credite but then he said o ye this is the same account. .. so not clear at all ...so I am sending the SAR tomorrow.
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I contacted MBNA to ask them for the SAR address and they provided me with this one: MBNA Limited P.O. Box 1004 Chester Business Park Wrexham Road Chester CH4 9WW So not quite sure which is the perfect address to SAR them...
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Thank you both. I wonder which post code is the correct one CH4 9QQ or CH4 9WW... Any thoughts anyone about this: Also another question regarding MBNA SAR, Can I sign the SAR with a 'new' signature (different than my usual one) so I protect myself regarding them using my signature to insert the signature to my original credit card agreement (2006) as currently when I requested CCA regarding this card they (collection agency) did not provide me with a signed copy of a card agreement. I don't think I have ever signed anything with them so I guess this will not make any difference only a chance for them to make the mistake to use my 'new' signature to insert to the agreement and this way they will be in trouble. Skanker, I sent SAR to another bank (Barclays) on 7th of January- and I have not received SAR yet...I will need to post about this first chance...as I will need to write a complaint I guess...All banks seem to be short in staff - many people have been made redundant in the Bank Sector?
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Skanker, I am also going to send SAR to MBNA. Did you find out which address is the correct one please? Also another question regarding MBNA SAR, Can I sign the SAR with a 'new' signature (different than my usual one) so I protect myself regarding them using my signature to insert the signature to my original credit card agreement as currently when I requested CCA regarding this card they did not provide me with a signed copy of the card agreement.
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Thank you DX . I will definitely be sending SAR to MBNA next week. I will come back soon. No need to start paying PRA right? Thank you again.
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That one in post #30 is the 'true' one they sent me as part of the CCA. Does it need to look differently? There is no name or anything on the statement at all a nd I can't recognise the card numbers they mention in the statement. ..but I can recognise that some of the transactions are mine. It is for 2006-2010 then in 2010 MBNA has defaulted the account and sold the debt... The first one they sent me did not belong to me at all so I did not post it here but it included transactions for 2008-2013. I don't have any original statements at all. They have been destroyed by flood and damp years ago.
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Post #30 sorry. The statement attached in post #30 is the only statement which seems to be mine and PRA sent me second after they have sent me a statement belonging to someone else.
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Thanks DX I will have a look and read other peoples posts so hopefully understand the balance statement they sent me (the 'correct' one).. .The transactions mentioned for 2008-2012 are not mine and they admitted that they sent me a wrong statement which belongs to another person. The second statement they have sent me and I have attached #27 seems to be mine. Some of the purchases made I can't recognise but it seems that the statement is mine.. .It is very possible that I have used the card for the last time on 20/08/2009 ... Although on noddle I can see that the last 4 numbers on my credit card/ account number ends on ***** 5537 0 but I can see nowhere a card number finishing on these on the statement PRA sent me.
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Thanks dx. I may try to ask them for statements without paying... I don't think this is going to help in any way... Once they start pushing for money might be a good idea to offer full and final? Should I start paying again the originally agreed £1 monthly to them? It would not be a problem to SAR them or first try and get statements for free but I don't really see what I am going to gain anything by doing that... Between 2010-2015 I have paid around £1500 in instalments of £10,£50,£100, £1 etc.. .and they don't deny that... Noddle shows that I owe around £5000 and I originally owed around £6500 in 2010. If I go to court and going to rely on judge 'lottery' mood might not be worth doing it as fees at the end might need to be paid by me plus full debt plus waste of time traveling to court and additional stress etc.. .Do you think Full and final might be a good idea? Default sums are only around £12 at a time... I am curious to know if anyone knows what are these 'finance charges' of around £100+ each month on the statement and are these reclaimable? and if yes what exactly to request from MBNA? Any advice how/where to look for help to understand the balance statement I have attached in a previous post
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How will this help me though? Can't I just say to them: Please send me statements for the periods 2010-2016? Anyone able to look at the balance statements and tell me if I can claim back anything from MBNA? I have not got a clue what these interests are. Reconstituted agreement attached before The account was opened in 2006 and DX has mentioned that it needs to be signed and it is not but I see information on internet that it is not really necessary to be signed depending on the judge opinion if it goes to court? What are your thoughts?
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Sorry DX what 'sat' does mean? Do you mean SAR PRA? Can't I just request without SAR to be provided with statements for the period 2010-2015? I have never received anything from them. I don't think that I am going to gain anything by reporting to the ICO and the Ombudsman - just thought it is important to report. What do you suggest?
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I spoke to both ICO and the Ombudsman Customer Service they both are happy to hear about the situation. I will e-mail them by the end of the week with the details. I don't have any info sent by PRA what I have paid for the period of 2010-2015. Should I ask PRA to cover this period and send statements? I can see on Noddle that I have paid around £1500 between 2010-2015... The debt is under Varde Investments Ireland and I have been paying to them via Experto Credite, Aktiv and Pra.
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I have never reported the card stolen. Maybe expired... It was 9 month free interest so I made bal transfer. I have not got a clue what is the special cash interest. .. It is blank under Description.. . and on some says Finance Charge- which I don't know what it does mean... They charged me 3 different interests at the same date I think every month: 1.Retail Interest, 2.Special Cash Interest and 3.Other Interest? Very strange!
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Thanks DX I will do I already spoke to the ICO before I sent my complaint they said that they will be happy to look at the issue once I have received a response from Pra. I look forward for your advise regarding my questions in my previous post as I am clueless what can I request to be refunded from original lender and what these transaction types do mean... +6500 -6500,-6500 looks to me that I have paid them back...?
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After speaking with the ICO and was encouraged by them I sent a complaint to Pra asking them why they have sent me another persons bank statement. They replied and said they will investigate. A few days ago I received an apologetic letter about the mistake they have made. They don't explain why they sent me a wrong statement which belongs to somebody else but they have offered me £50 for the distress. They have added a customer decision form which I have asked to sign either way if I accept the money or if I don't accept the money. I am not going to accept or reject. I am going to forward all the information to the ICO and hopefully they will decide to investigate and maybe fine them? Pra does not mention anything about complaining to the ICO but they inform me that if I am still unhappy I can contact the FOS free of charge. They have added a leaflet about the FOS containing explanation how to complain to the Ombudsman. What are your opinions? Should I follow to the Ombudsman also? Today I received the 'correct' Bank statement but I have not got a clue what the description and the calculations mean. will scan and post this later on today with more details. Any opinion and suggestions about complaining to the Ombudsman will be much appreciated. Thanks in advance. Please see the file of the statement attached. Please explain what the 'transaction types' do mean? For example: 'special cash interest', 'Finance Charge' and on the last page: Charge-OFF Adjustment +6500, Charge-OFF Adjustment -6500, Zero CURBL ON SOLD ACCT -6500? The card number also has changed on the last page. I don't have any statements etc.. . sent by Pra or other collection agencies before Pra has taken over for 2010-2016. Who should provide this to me? Do I need to request from Pra? Thanks in advance for your suggestions/help. Pra-10-03-16-bank-statements.pdf
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