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refusal to reinstate credit facility


Guest Old_andrew2018
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Guest Old_andrew2018

Hi

Guys I recently contacted MBNA by telephone as I could not read a damaged statement, asked if they would allow me to view info on-line presently I can't.

This letter arrived this morning, please look at this short extract.

Following your recent request to have the above credit card facility reinstated, your request has been declined at this time. I assure you that your request was given careful consideration, however was declined due to your current financial standing and/or the conduct of your MBNA credit card.

I have not asked for this, will they enter this on files held by CRA.

They are such fools.

Should I write to them to point out their error, asking again for access to their on-line services to view my statement.

Any advice please

Andy

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Or you could just ask them for a copy of the damaged statement.

Steven

 

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Guest Old_andrew2018

thanks

they did give me the amont required for my next payment, which is all I needed.

 

my concern is they may record the aledged request with a Cra such Experian.

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Perhaps you should write to customer services and tell them your concern and that MBNA made a mistake in the way they interpreted your request.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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a link to their first letter
where?

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Guest Old_andrew2018

Who knows I put links on then, had to take them down again to photobucket only to find empty pages, any advice on posting this

I've been at it for 5 hours.

 

Regards andy

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Andy, can you not draw them :p

 

 
 

Any advice I give is honest and in good faith.:)

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Guest Old_andrew2018
Andy, can you not draw them :p

 

 

At this stage I'll try anything how do I do that

thanks

Andy

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Andy, your not the only one who has'nt got a clue how to use photobucket.:o

 

Keep at it, It'll be like learning to drive, for months your crap, then bingo your Sterling Moss.

 

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Once you have them in photobucket you use the 'insert link' icon createlink.gif

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Andy - that just goes to photobucket's homepage

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Guest Old_andrew2018
Andy - that just goes to photobucket's homepage

I've edited the link I hope

 

thanks to all for their understanding and advice

 

Regards

Andy

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THat's got it :)

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Share on other sites

asked if they would allow me to view info on-line presently I can't.

This letter arrived this morning, please look at this short extract.

 

Following your recent request to have the above credit card facility reinstated, your request has been declined at this time. I assure you that your request was given careful consideration, however was declined due to your current financial standing and/or the conduct of your MBNA credit card.

 

 

 

Hmm, I'm wondering if only cardholders with an active card are given the extra option to view their account on-line - and MBNA must have mistaken your correspondence for a request to lift the restriction on your card?

 

I come to this conclusion as I would also like to be able to view my account on-line however to sign-up for internet access you need to provide a card expiry date as part of the security verification.

 

As my card facility was withdrawn a few years ago (due to overlimit charges etc. etc.). I don't have a card, just a balance I'm trying to pay off!

 

Does this mean I am excluded from being able to view my statements / account balance on-line? A bit unfair, but I'm sure they'd just throw their terms and conditions at me (if there is something that discrimates between 'active account' holders and restricted (due to charges) account holders and which of these can use the online facility!

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Great.

 

I pay on time, pay interest, yet I'm not allowed to view my account on-line as it's a punishment for getting charges applied on my account years ago.

 

Suppose I'll have to keep phoning them up every day to see if my payment has reached them.

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