Alf -v- A&L - MBNA - DEBT CLEAR - CABOT/RED - NOW CLARITY ON THE CASE

[alfwithhair]

The wife got a rather strange letter from MBNA this morning.

 

"Dear Mrs XXX

 

You could reduce your debt by up to 40%, a saving of £2,748.15.

Call us on 01244 671026 by Thursday 11 October.

Its your call. Take advantage of this very special opportunity!

(Mmmm, MBNA don't give any opportunities, special or otherwise, so the alarm bells are ringing. No agreement maybe?)

Due to our regulatory requirments we will be forced to register a Default at the Credit Reference Agency on your account in the near future if we cannot set a reduced payment programme. (Hello, You have already set one up and the wife has been paying it since February 07)

We would like to avoid these actions ( Yes I bet you do ) and provide you with an opportunity to reduce your debt and begin rebuilding a good credit history. If you would like to discuss setting the account for a reduced amount based on your circumstances, (Incapacity Benefit and Income Support you mean) possibly through the use of savings (HA thats a laugh, what F**kin savings) alternative financing (You mean a loan to put us in more debt, which of cause any lender would offer on Income support) or the help of a family member (Of couse, why didn't I think of that. I will go and ask Auntie Gurtrude for 10 grand) we will be happy to discuss this option with you.

 

This will allow you to relieve yourself (Oh, I wish I could:D ) of responsibility for repaying the remaining debt and represents significant savings to you.

If you would like to discuss other alternatives (No thanks, It appears you have already covered everything) please contact us on;

 

XXXXXXXXX

Our specialists are available to talk to you. (specialist yarn tellers )

I will decline on the offer at this time due to being potless, creditless and an only child. But what a waste of paper and the rain forrests as they are. You would think these big companies would have better things to do, like irresponsable lending. They rearly are a joke :grin:

[rory32]

Good to see MBNA are still ignoring all the regulations. About 18 months ago when I got in touch with them regarding reduced payments the first thing they asked me was could you not borrow the money.

[spiritgirl59]

rory, in my days of pre-CAG this shower asked me if my parents were alive, and when I said yes, they suggested I ask them for the money !!

 

They got told to visit a taxidermist on their own behalf!!

 

alf I would file the letter and ignore it - in my case they had no agreement and were trying it on!

 

Love Spiritgirl x

[tiglet]

rory, in my days of pre-CAG this shower asked me if my parents were alive, and when I said yes, they suggested I ask them for the money !!

 

They got told to visit a taxidermist on their own behalf!!

 

alf I would file the letter and ignore it - in my case they had no agreement and were trying it on!

 

Love Spiritgirl x

 

PMSL

[alfwithhair]

Well another offer from MBNA yesterday. Now they want me to pay £2400.00 on a £6,850.00 debt, thats gone up from the orginal 40% off they offered last time and all without even asking.

They will then write the rest off (Mmm, Likely story).

 

That nice of them. I haven't even sent them a CCA letter yet as they have been accepting token payments and have suspended fee and charges.

 

I think maybe its time I did. Something tells me they are expecting a CCA request

[shane5408]

Well another offer from MBNA yesterday. Now they want me to pay £2400.00 on a £6,850.00 debt, thats gone up from the orginal 40% off they offered last time and all without even asking.

They will then write the rest off (Mmm, Likely story).

 

That nice of them. I haven't even sent them a CCA letter yet as they have been accepting token payments and have suspended fee and charges.

 

I think maybe its time I did. Something tells me they are expecting a CCA request

 

 

make sure you don't sign it!! http://www.consumeractiongroup.co.uk/forum/general-debt/110578-digital-signature-guide.html

[Slartibartfast]

Same story here. They wanted me to borrow the money for payments then offered a 40% reduction the a 65% reduction then at the same time asked for regular payments. CCA sent now and even if they have one I can't get back to work for a while so they'll still get nothing. I was called a liar when I tried to explain circumstances, they don't seem to be able to get the human thing at all.

[pt2537]

Crikey Alf, another thread youve got on the go:D

 

well, they have well and truely gone against all the principles of responsible lending with that letter

 

im sure a CCA request is in the pipeline on this one

 

Good luck,

 

regards

paul

[alfwithhair]

Watch this space

[alfwithhair]

Well didn't even get chance to post a reply back to MBNA before another letter this morning.

 

Dear Mrs X

 

I have felt the need to write you this letter (another one? You have wrote twice already this week) as your account is seriously overdue (you don't say) and I have not been able to contact you via the telephone (why? something wrong with your phone? mine is working)

 

Your total debt of £ XXXX.XX is due to legally assigned to debt collectors (collectors, will I get two then?) at the end of the month. In view of this, we felt it appropriate to carry out a credit enquiry to gain a better understanding of your current financial position. (Nosey feckers, I&E sheet not good enough for you then) I was concered to see that some of your other creditors are receiving regular payments and yet you have not made any to your account with us. (You lying toe rag, you get a reduced payment that you agreed to every month, last payment 06/11/07, I just checked online statement)

 

You should be aware that before we assign a debt to a collection agent (oh, only one now) we register a default on your credit file which will remain in place for 6 years. If this happens it will have a negative affect on your future creditworthiness. (I think that went out of the window a long time ago) Even if you do not apply for credit in the future, your current creditors (you mean you and all the other blood sucking parasites that are on my case) may take action due to the default. e.g. withdrawing the spending facility on your credit card, (too late already been done) stopping a promotional interest rate (never had one) or withdrawing an overdraft facility (down the swanie a long time ago)

 

Mrs X, please call me on receipt of this letter (no, I think I will give it a miss) to discuss your options before it is too late. (well its always too late according to you)

 

What do these people think we are idiots. They will try anything to get you to ring them. Sorry lads, no phone call will be forthcoming just another complaints letter.

[pt2537]

Hello Alf,

 

well if you need any help with a reply to these idiots let us know, im sure we can come up with something

 

after all weve had plenty of practice

[alfwithhair]

I have a nice four page formal complaints letter ready to go Monday.

But its nice to know that everyone here is there as a backup when I need advice. A big thanks as always.

[The GodMother]

Four pages, cant you try for five.

[pt2537]

four pages?

 

only a quick note then Alf:)

[alfwithhair]

four pages?

 

only a quick note then Alf:)

 

Well after I have added a few particulars about todays letter I might be able to stretch it to 5

[The GodMother]

Thats what i was thinking paul.

 

Maybe we need to get him to post the letter and we could try and expand it to a few more pages for him.

 

Chrissi

[spiritgirl59]

ROFL Alf ... I loved the letter with your additional comments in blue !!

 

I have extensive experience with MBNA and have come to the conclusion that they are total plonkers. Their left hand doesn't know what their right is doing and they constantly clutch at straws when they are clearly on to a loser from day one.

 

Reminds me very much of CrapOne to whom I sent a 5 page letter not long ago!

 

You go for the jugular and enjoy!

 

Love Spiritgirl x

[alfwithhair]

Well no reply to my complaint yet, but the phone calls from the Private ID numbers have stared again.

 

Is MBNA, they leave messages that I have failed to contact them dispite them leaving messages. Helen Williams? has anybody else had calls from her?

 

Well I did say in writting only please, but may be literacy is not one of there stronger points. What a totally incompetent company they are.

[alfwithhair]

At last, a reply dated 19th Nov.

Two in fact, both exactly the same.

 

"We are currently investigating your complaint and we will provide you with a full response by 10th Dec." and actually signed by who I sent it to.

 

Well lets see if they come up with anything this time.

Will not hold my breath though.

[pt2537]

just sit back and wait, and forget about them for now alf

 

thats how i would play things, keep all correspondance safe and let them hang themselves

[The GodMother]

hang themself big time. I hope they have nothing for you Alf.

[spiritgirl59]

Hiya Alf

 

Just popping by to continue to offer you support x

 

Been a bit preoccupied this end due to being threatened with court action by two low life DCAs, but the peeps on here have been brilliant as always and letters of complaint have gone off.

 

Keep your pecker up, we will not let the bar stewards get us down will we???

 

Love & cyber-hugs

Spiritgirl x

[alfwithhair]

Thanks Spiritgirl, much appreciated.

[alfwithhair]

Well yet another letter this morning from MBNA.

No mention of the 5 page complaint made to them, just the usual threat o gram.

 

Dear Mrs X

 

A DEFAULT is due to be registered for SIX YEARS on your credit file in the next few day in relation to the above account. This will seriously affect your ability to gain ANY form of credit in the future. (well thanks for telling me that, I never knew thats what happened)

 

When the Default is registered, the balance on your account will be SOLD to a third party. (Is that so, well make sure you get a good price for it guys, wouldn't like to see you ripped off. But remember you still sent no CCA, so will be telling on you to OFT and TS)

 

This means that:

 

1. You will no longer be a customer of Alliance & Leicester Credit Card Services. (Well thank god for that, never asked for an account with MBNA anyway, A&L sold my account to you)

 

2. The responsibility for recovery of the outstanding balance will be solely that of the third party. (Well maybe they will have a few more brain cells than you and realise they will be recovering nothing without the CCA)

 

3. The default registered against you will be transfered into the name of the third party. (Will it now, you are too kind)

 

4. The third party will take actions they deem appropriate to recover the full outstanding balance. (Ah, some more threat o grams and stupid phone calls then)

 

To prevent this happening, you must make an IMMEDIATE PAYMENT of £53.83 (Is that all, my statement says the arrears are £1131.00) by debit card payment today (yes I want you to have my debit card number so you can take money when you feel like it.) Please call 01244 672355 to clear your outstanding arrears and discuss your repayments. (Don't think so, answer my complaint. Might think about it then)

 

Yours sincerely

Sally Moran (Are you sure that is spelt right? Should it not be Moron:D )

 

What a complete butch of idiots MBNA are. You make a formal complaint about their letters and business practices, which they acknowledge, then send more out of the crap they are supposed to be investigating the day after they acknowledge the complaint.

 

What a waste of space they are.

[ScarletPimpernel]

All part of MBNA's sausage-factory approach. I've had the Sally Moron letter too; as usual, none of the threats materialise. Without looking at my file, I think the next in the series will be from Dee Dillistone. One will be all helpful (MBNA-stylee), and very shortly afterwards comes another 'sky will fall in' letter. Still, your a few away from the pink letter yet!