MBNA - CCA'ed - NOTHING ! What has happened to you ?

[vandriver]

Just to let you that I got Citi to write £2500.00, remove the default from my credit file and got 1st credit to refund my payments of £640.00 I had made towards the debt.

 

Vandriver

[The GodMother]

Erm you said they contacted your neighbours.

 

That is not allowed. Advise your neighbour to sue the a$%& off them.

 

Chrissi

[R B 1968]

Hi Vandriver ,

 

Now you sound an interesting member - please share your experiences with us all ?

 

Thanks,

 

R

[vandriver]

It all started 18 months ago when I came across a web site called the Goven law centre and sent all my credits letters asking how much they had charged default chagers. Citi wrote back and said they could no find any record of me having an account with them. By this time it had been passed to 1st Credit and I was paying £40 per month. Well after many letters to Citi and compalints to the ICO and FSA I sent a CCA request to 1st credit and after the 12+30 stopped paying. I was expecting all sorts of crap and threats fron 1st Credit but instead as a gogw thet would write off the balance and remove the default from credit file.I think they just wanted to get rid of me as in the course of the 18 months I must have written them 25 letter. I did ask Citi to refund my payments but they refused so then I started on 1st Credit and they caved in after just one letter and sent me a cheq for £640.

 

Vandriver

[The GodMother]

Well that sounded to easy. It only took one letter l smell a rat over this one maybe no CCA.

[citizenB]

Mbna found absolutely nothing when I sent my CCA request. Such a pity after they had behaved so badly such as ringing my neighbours:eek:. I learned to live with the embarrassment after they wrote off a £10K debt:D

 

This is definitely a nono !

[Goldlady]

My OH went ballistic with them at the time:p. I was too scared to answer the phone at the time as constant hassle from lots of DCAs, so they tracked down my neighbour's number... If it wasn't for the lack of CCA I would have really taken them to task over it.

[empowered]

Hi RB

 

I CCA'ed MBNA and all they could produce (at a very late date) was an AGREEMENT form where I had distinctly ticked no PPI. Since then have successfully reclaimed all charges plus interest which has zeroed the card and done the same for OH. Am now fighting for repayment of the PPI. It seems that the older your "agreement" with MBNA is, the chances of them having a properly executed agreement are zilch - mine went back to 1994.

Read the MBNA thread for more disaster stories:D

[R B 1968]

Hi PT,

 

I've now managed to upload a couple of photo's of the TWO MBNA 'agreements', which they supplied - against my CCA request.

 

I appreciate these photos aren't too good BUT they are both VERY POOR (ILLEGIBLE) COPIES anyway AND both are simply application forms !

 

Can you have a quick glance and see what you think PLEASE:

 

 

And:

 

 

Hope you can make something out albeit, once again, my copies aren't actually much better !!!

 

BIG thanksyou,

 

R.

[The GodMother]

illegable agreements are not legal copies.

 

Chrissi

[R B 1968]

Sorry folks - these photos are really poor but in my defence I will just say the "application forms" are poor copies anyway and hardly any of the print on them is legible !

 

R

[The GodMother]

I went from what u said that the ccas were not legiable.

 

Chrissi

[R B 1968]

BUMP - PT are you out there, PLEASE !

 

Thanks,

R

[redsue]

Welcome to the world of MBNA

I sent them my CCA request on 1st March 07 and after receiving an illegible application form from 1993 (originally girobank) and up to date T&cs they swore blind they had complied.

After numerous letters and complaints to TS they sent me a clearer copy of the application form and admitted they could n't find the original T&cs but proceeded to send me a random template of T&Cs with half the photocopied page missing from 1995 - and still told me they had complied.

This has been ongoing....

Chester TS have acted appallingly and believed MBNA unquestionably - I repeatedly asked them to question MBNA over certain points and they came back with ' oh well they say they've complied, so if you'll have to take them to court if you want the agreement deemed unforceable, It's not in the public's interest to pursue this case, goodbye"

After having my daughter in November I've been somewhat distracted of late!! But now the lovely MBNA have registered a default on my credit file - my credit file before this was 100%.

To top it all off I never even received a Notice of Default off them.

They really are the worse - they will continue to lie to you till they are blue in the face.

I'm now steeling myself for the endless letters I'll have to send to each CRA (which will be a waste of time) back and forth with all the legal arguments for data processing.

I also need to complain to the ICO and FSO.

Meanwhile I also have to now challenge the Default - which again I've got to research.

It really is a long road you have to go down - and there all lots of people in the same boat - MBNA continue to act unlawfully and get away with it scott free.

I'm preparing POCs at the moment to take them to court.

Sorry if I'm sounding negative but that's the reality of dealing with these corporations.

[miss muppet]

Cheer up Red. don't get mad, get even. Received a threat of impending court action to-day, my LBA letter for non-compliance of SAR must have crossed theirs' in the post. What a bunch of clowns, for the 2nd time they've misquoted my account number or is it a clever ploy so when I raise NI for non-compliance, they can then play dumb(not hard!) and play for more time, it makes you wonder how they manage to hold on to their credit licence doesn't it, will watch your progress with interest, will shortly be going down the same road.

[vinegarvera]

Me too, By the way, are they allowed to telephone you at work?

[ScarletPimpernel]

Me too, By the way, are they allowed to telephone you at work?

 

Not if you tell them not to; OFT Guidance refers. They invariably respond with a letter saying that they won't ring, but will resume calling if you don't do as they say.

 

Anyway, I suspect that I have now reached the end of MBNA's process - or at least that's what they think. I also had, about 10 days ago, a silly 'notice of impending legal action' letter. I responded with a letter itemising the complaints they'd failed to respond to, reminding them that the matter is still disputed, reminding them that they had not fully or properly complied with my CCA request, reminding them that they are now in default of my SAR, and telling them that I suspected that they'd be unable to locate their corporate buttocks with both hands and with the light on.

 

Their response was a short letter written by a dullard, which essentially said that they felt they had responded to my complaints fully (note to MBNA - writing 'we can do what we like, and we won't enter into further correspondence' does not constitute a proper response), had complied with their obligations under the CCA (they haven't), and carefully forgetting the SAR and dispute. This is, naturally, their final response.

 

Yesterday I received a two-liner telling me that they had sold the debt to some firm of bottom-feeding cretins. All in all a result; I have long suspected that MBNA don't keep copies of original T&Cs (probably because they change them so often), and that they sold a debt that is disputed will make it easy to repulse any DCA who tries it on.

 

My OH is also in the midst of an MBNA-created drama. She was on a DMP but MBNA suddenly ended it, because of 'insufficient funds' (£100+/month on a £1000 debt). Curiously, this decision, and theresulting phone calls and harassment, coincided with OH's claim for refund of penalty charges amounting to something over £950. I am now her authorised representative, and they have now offered half - I replied with an LBA.

 

I was interested to hear above, not for the first time, that Chester TS have proved themselves as useless as a Labour minister in an honesty competition. I suspect that they are either acting, under MBNA's influence, ultra vires, or that they receive so many complaints about MBNA that they take the path of least resistance. Either way, a letter to the Chf Exec of the County Council is in order, perhaps mentioning a complaint to the Local Government Ombudsman.

[Santos L Helper]

MBNA were CCA'd last April and did nothing but send the postcards, threats etc and kept adding interest and charges on 2 accounts.

 

I just ignored everything and did not contact them again. The 2 accounts were sold on to 2 different DCA's just before xmas. I informed the 2 DCA's about the accounts being in dispute etc and CCA'd the 2 of them. They both replied with similar letters saying they would obtain the relevent documents from MBNA.

 

And guess what, they did :o

 

So now I will have to do some more research to see if said documents are enforceable

 

Seems like MBNA just can't be bothered about anything and will just wait and sell on the debts, claim back the tax right off or whatever they do and then in a matter of weeks provide DCA's with the documents that I have been waiting 9 months for

 

Regards

 

Santos