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Mbna Cca - Is This Enforceable Please


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I sent MBNA a CCA request on 25th February 2008. They defaulted on 17th March 2008 and I sent the reminder letter yesterday on the 18th.

 

I have been receiving almost daily letters from NCO Europe Ltd, trading as RMA and also from MBNA themselves.

 

Today, in the post, I received a Postcard, stating :-

 

I CONFIRM THAT I WILL BE CALLING

 

ON: TUESDAY

 

BETWEEN: 8AM - 8-PM

 

If inconvenient please telephone 08707 591159 quoting the reference number on the address side of the card

 

Regards, C GREEN

 

 

I have dashed off the 'you may not visit me at home, etc' letter.. including that the alleged debt is in dispute with their principle MBNA and that they had been copied with letters to MBNA in NCO's daily correspondence.

 

I will be copying MBNA the letter that I am sending NCO, however, I feel sure I have seen a letter somewhere that reminds the Credit Card Company that they are responsible for the actions of their DCAs.. can anyone please point me to it. I thank you. xx

 

PS.. if this thread is in the wrong part of the forum could it be moved please. xx

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1: How can BCOBS protect you from your Banks unfair treatment

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3: Banking Conduct of Business Regulations - The Hidden Rules

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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5: Forum rules - These have been updated - Please Read

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hiya citizenB

 

I know the letter you mean but I can't find it either :( hopefully someone will get back to you with it soon.

 

One thing I would do is keep a copy of the "may not visit me at home" letter handy near the door, and if "Mr Green" calls again simply hand him the copy and shut the door in his face.

 

Good luck, and try not to worry - I know its easier said than done not to worry cos I have been there myself and know how you feel, but he has no right of entry into your home. These people make me so mad, because for those of us who don't know our rights the experience must be terrifying.:mad:

 

Good luck!

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Thanks spiritgirl. It is so frustrating when you know you have seen the letter and cant find it again LOL. Never mind, I will try again tomorrow. Thanks for your support xx :)

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Mr Green (also known as Mr Brown - do you see the theme here?) sends out thousands of these every day. He seems to be able to visit between Lands End and Jon O'Groats in one day. (Maybe his real name is Santa Claus?)

 

I bet that there are many people on CAG who have had these postcards but never seen Mr Green/Brown etc.

 

File it with the pictures of trees/pink pigs that you will get from MBNA as well (I kid you not!)

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Mr Green (also known as Mr Brown - do you see the theme here?) sends out thousands of these every day. He seems to be able to visit between Lands End and Jon O'Groats in one day. (Maybe his real name is Santa Claus?)

 

I bet that there are many people on CAG who have had these postcards but never seen Mr Green/Brown etc.

 

File it with the pictures of trees/pink pigs that you will get from MBNA as well (I kid you not!)

 

 

Thank you.. I am still giggling at the pink pigs !!. Yes, I see a theme.. do I take it then, the letter I sent yesterday.. ATTENTION: Mr Green, will not be read by him personally LOL . :-D

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Save the stamp as RMA/NCO never arrive.

I have wasted alot of tea and cake waiting for these "people" to arrive.

All I need is Saturday and Sunday and I will have a FULL set ;)

 

Also if you reread the card it says they will be calling, but not necessarily in body/person.

This is sufficiently vague enough to scare, but basically means you'll get a PHONE call.

Be VERY careful whose advice you listen too

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Save the stamp as RMA/NCO never arrive.

I have wasted alot of tea and cake waiting for these "people" to arrive.

All I need is Saturday and Sunday and I will have a FULL set ;)

 

Also if you reread the card it says they will be calling, but not necessarily in body/person.

This is sufficiently vague enough to scare, but basically means you'll get a PHONE call.

 

Ah, I see. I changed my telephone number 3 months ago, after LTSB did an hourly check in. Ooops.. I forgot to let anyone have the new number !! :grin:

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Mr Green (also known as Mr Brown - do you see the theme here?)

 

Sounds rather Tarentino - have they gone to the dogs???

 

Thing is, there was no Mr Green, therefore, he must be a mythical character.

 

If you recall the plot, Mr Brown is probably not a good choice.

 

David

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Is this enforceable please

 

The T&Cs are definitely from a later date than 1999 the original signing of application form !..

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Need to delete some indentifiable info.

Edited by citizenB

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It is manifestly an application form as it says so on the top! As such it is a precontractual document and is void under s59 of the CCA 1974. It doesn't have any of the prescribed terms (APR, crediy limit and how minimum payments are derived) so is unenforceable under ss61 and 127 of the CCA 1974.

 

 

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Thank you steven.

 

I was thinking of sending them the letter that curlyben provided for pokermad on this thread... #16. Suitably amended of course.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/110742-bls-no-cca-but.html

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Great, thank you. It will be in the post tomorrow. x

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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duplicate posting

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Would someone please merge this thread with...

 

 

http://www.consumeractiongroup.co.uk/forum/mbna/135999-mbna-cca-enforceable-please.html

 

Thank you x

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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As CB says There is no chance of Mr C Green aka Mr P Brown aka Mr P Ointless calling. These people are all figments of NCO's rather vivid imagination. If you wish to send them a letter advising them not to call then this is the one

 

 

 

DOORSTEP COLLECTION VISIT – PLEASE READ CAREFULLY

YOUR REF XYZ123

Dear Mr Green

I refer to your recent correspondence.

I note it is your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

 

There is only an implied license under Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and civil action will be taken.

I trust I make myself clear.

 

 

Personally I would take CBs advice and file this away

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Thanks ODC.. I have taken Curlyben's advice and filed it.

 

Needless to say you were both correct and no one as yet has arrived..

 

I ate the donuts I had bought for mid morning coffee.. so they are well out of luck if they should arrive now :grin:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Cream buns.. yummy can I please come for tea :grin:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You should do what i did and send them a bill for all the time of work i was forced to take off to received their nice mister Brown.

I billed them for £ 2500, even though they were after only £ 250. I never herd form them again!

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Quote:

Originally Posted by citizenB viewpost.gif

Cream buns.. yummy can I please come for tea :grin:

 

You wouldnt like what the 'cream' was laced with.:o :wink:

 

I withdraw my request :D:lol:

 

Lenny100.. that sounds like a plan

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You wouldnt like what the 'cream' was laced with.:o :wink:

 

Grated flakes of exlax makes for a good topping LOL Mr Brown would live upto his name :lol::p

 

I have only just CCA'd MBNA CB they are stalling with me at the mo havnt yet recived these lovely coloured letters or calling cards I am sure they will start soon thick and fast hang in there. :-)

:(:confused:Confused, sad,bewildered,befuddled,bemused,disorientated,lonley until I came here, moving forward to :smile::lol: ,trying not to let them drag me down.:cool:
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Hey All!

 

Im an employee of NCO. New to the business, and to be honest, i dont like the way they work.

 

"MR GREEN" is a fictional name. The purpose of the calling cards is to scare people into calling up and paying their arrears (whcih range from 5 days overdue, to years). As you may have noticed, the card is worded quite cunningly, as someone has pointed out, it purely means a phonecall, which is my endless task.

 

Dont get me wrong, the guys i work with are lovely, but we're all in the same boat of trying to make ends meet. And if we dont collect enough money, we're retrained until we are blue in the face.

 

This isnt my career, and i dont particularly like what i do, but it beats prostitution (just about)

 

If anyone needs advice on how to deal with us, i'd be more than happy to help!

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