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Hi all. I was offered a short settlement on two mbna accounts. I was sent an email confirming this. I replied tothe email that i wanted the proposal in writing stating how my credit file would look ie full and final etc. This never arrived. In the email it stated that i could settle by 27aug for 800 or 25 sept for 900 giving me two options. I decided to go for the sept payment. The first week in sept i was horrified to recieve 2 default notices. I contacted the MBNA complaints dept and explained. I was met with arrogance stating that the defaults would stand as i hadnt paid in aug. I sent a copy of the original email.Letter back admitting the email was deceptive but no mention of the defaults being removed!! Also the figures on my original email were wrong by £60 in favour of mbna. I rang the complaints again and told them i wasnt paying untill things were sorted out. They said if i didnt settle the offer is null and void. I was also told the accounts were sold in early sept and have a letter dated the 23rd sept from a DCA. The latest letter is from restons solicitors threatening action but also stating that MBNA will offer a substantial discount for settlement. I cant understand what they are doing? They are obviously in breach of something. Advice please anyone! Thanks DS.:-?
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