AA99 v MBNA (Account 1)

[AA99]

If you get more, you will have my applause.

 

The problem is that the level of PfHA damages seems to be surprisingly untested (outside the employment field). Did you see the article I posted and commented on in the Harassment by MBNA thread?

 

Even allowing for the fact that the barristers who wrote the article would be unlikely to get out of bed for even £3,000 worth of damages, I agree with what they say about likely level of damages being modest.

 

Thank you for your support VS! I'm going to play a Supermodel on them and not get out of bed to go to court for less than £15k ! LOL

 

PfHA damages 

What does that mean:confused:

[Viscount Stair]

Sorry: PfHA = Protection from Harassment Act

 

Here's the link to the post about the article on damages for harassment:

 

http://www.consumeractiongroup.co.uk/forum/mbna/169889-harassment-mbna-4.html#post1912462

[davey77]

I'm not sure what the ICO will do. I have heard lately they are not officially interested in unenforceable agreements or even the non-supply of the valid ones for that matter.

[steven4064]

The FOS ar a waste of space I'm afraid. Much better to go the court route - at least the person pushing things through has your interests at heart because it is you!

[davey77]

The FOS ar a waste of space I'm afraid. Much better to go the court route - at least the person pushing things through has your interests at heart because it is you!

 

How true.. but the ICO and the FOS are separate bodies?!

 

By the way, congratulations on you ten thousandth post Steven! wow!

[AA99]

I am happy to go the court route ASAP because there doesn't seem to be any useful authorities/bodies around that have any consumers' interests at heart, I just found that having 1 account lodged with the ICO has been forceful, besides the other authorities seem to be as confused as the rest of us with the authorities and their laws..............

[AA99]

How true.. but the Information Commissioners Office and the FOS are separate bodies?!

 

By the way, congratulations on you ten thousandth post Steven! wow!

 

He's good, innit? Congrats too!

[steven4064]

How true.. but the Information Commissioners Office and the FOS are separate bodies?!

Note to self - read posts before replying

By the way, congratulations on you ten thousandth post Steven! wow!

You're too kind

[davey77]

The FOS ar a waste of space I'm afraid. Much better to go the court route - at least the person pushing things through has your interests at heart because it is you!

 

Steven is right though. 2 years of complaining and the only person that has ever made a difference and got a result is.. me! (Not counting all the help and advice from folks on this site including someone who stepped in and gave me so much help with the Cap1 fight.)

 

Regulatory bodies have treated me like the creditors have albeit with more politeness.

 

The only single sure fired way for TS, I.C.O, O.F.T or even the F.O.S to stand by you is to get VERY high profile (and damming) publicity. Only then do the authorities act and that is only to save face in the event of intense media scrutiny.

 

The catch is that, unfortunately, it's hard to get in the media spotlight as i have already tried with letters to National Newspapers, BBC Watchdog and Panorama. Doesn't hurt to keep trying tho...

[AA99]

Steven is right though. 2 years of complaining and the only person that has ever made a difference and got a result is.. me! (Not counting all the help and advice from folks on this site including someone who stepped in and gave me so much help with the Cap1 fight.)

 

Regulatory bodies have treated me like the creditors have albeit with more politeness.

 

The only single sure fired way for TS, I.C.O, O.F.T or even the F.O.S to stand by you is to get VERY high profile (and damming) publicity. Only then do the authorities act and that is only to save face in the event of intense media scrutiny.

 

The catch is that, unfortunately, it's hard to get in the media spotlight as i have already tried with letters to National Newspapers, BBC Watchdog and Panorama. Doesn't hurt to keep trying tho...

 

OOOOOOOOOh, hijacking my own thread here but , you sound like a man after my own heart, wanna jump on my soapbox with me? I so agree with what you are saying and I have finally discovered this.... don't know if the banks are going to give us any more consideration after news today though...... Still, our contracts, or lack of, should still stand though

[davey77]

The banks do seem to getting one reprieve after another at the expense of the of citizens that founded and supported them in the first instance. Makes me feel that although painful for many, and at the expense of the innocent, it might be better if the whole rotten edifice came crashing in on them.

 

If your soapbox could be used as firewood for a financial institution bonfire then I'm in.

 

A nice quote i heard once to end on: : "Guy Fawkes, the only person ever to enter the Houses of Parliament with good intentions."

[AA99]

[citizenB]

The banks do seem to getting one reprieve after another at the expense of the of citizens that founded and supported them in the first instance. Makes me feel that although painful for many, and at the expense of the innocent, it might be better if the whole rotten edifice came crashing in on them.

 

If your soapbox could be used as firewood for a financial institution bonfire then I'm in.

 

A nice quote i heard once to end on: : "Guy Fawkes, the only person ever to enter the Houses of Parliament with good intentions."

 

I totally agree with you davey. When I saw that MORE of the taxpayers money has been pumped into these financial institution I wanted to scream.

 

I see no good reason why I should pay the £2.5 billiion debt to a Russian Oligarch when I have bills of my own that need paying. The bankers lent this money in the hope of getting huge commissions and bonuses.. let them pay the debt back.

 

Yes, I would vote for Guy Fawkes

[AA99]

Just had a recorded phone call from Mrs Roberts, told her we didn't talk on the phone and she said she would send a letter then

[toxicdebt]

It doesn't even say who it is from!!!!!!!!!!

Do they actually come out or is this just a method of intimidation to get you to phone them?

[AA99]

Do they actually come out or is this just a method of intimidation to get you to phone them?

 

The latter

[Viscount Stair]

The latter.

 

I included my postcard in the complaint I made and the estimable Ms Powell answered the points I archly made about the DCGs on visits by confirming that no-one would actually visit.

 

She didn't answer the points I made about sending postcards being against the rules or the person who sent it but did not sign it being a coward (or very many of the other points I made, for that matter) but she did specifically confirm that no-one would visit.

[Kanga14869]

I thought the same... until Power2contact turned up on the doorstep despite my 'telephone harassment' and 'no callers' letter...

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/178895-help-just-been-doorstepped.html

[Viscount Stair]

Moorcroft also seem to do real live doorsteps from other threads but MBNA have specifically confirmed to me that they won't, so if after that they do ...

[AA99]

They told me that too, but what they do is get the DCA to take on their dirty work! Hillards is a long-standing reputable member of CAG and he has his own weblink regarding DCA's and it is well worth a look! Don't know if I've got the link quite right but you should be able to find it:

My views on DCA's

Edited January 22, 2009 by AA99
link

[Viscount Stair]

I'm not naïf or complacent about it but, in my case, it's still with MBNA itself (though for how much longer I can only speculate).

 

MBNA's postcards are merely misleading (and, therefore, illegal in themselves) bluffs. So, the evidence would suggest, are RMA's postcards.

 

I am aware that some DCAs do actually turn up.

[AA99]

Re: AA99 Telephone Harassment

I was in my bed half an hour ago, had flu for 3 days, took a prescribed sleeping pill and MBNA phoned re Acc.1. Thank God it was recorded, she was the most vicious, lying, bullying person I think I have ever spoken to yet. I got all the usual we are telephone bank, pushing me as to when I would phone them back, we are a telephone bank, uk laws, I should have told her at the beginning of the call it was being recorded. She basically phoned up to offer my a £5k settlement figure. She knew we were all doing it for ourselves as it was splashed all over the front pages, etc, etc, I lost it with her and ended up shouting at her........ It's all recorded so will be sending it/using it for the correct authorities. We haven't had a payment from you since June and I said no, I have been writing to you since tht time, all recorded deliveries, all received and signed for and you can write back to me...

 

THIS IS CRIMINAL :evil:

[lexis200]

First of all, I hope you're picking up a bit from the flu; second, I'm just appalled at them carrying on like this with you.

 

If you can be bothered to do it, I'd be very tempted to type up the transcript of your conversation and email it to any and all address you can find at MBNA, and copy it to OFCOM (if that's possible??)

 

If they don't know how their operators are behaving, then they need to see it. If they do know, then they need to be brought to book over it, and perhaps mailing the entire company will set the ball rolling higher up?

 

Now go back to bed and get better:)

 

lexis:)

[AA99]

Thanks Lexis, you're a hunny Have pm'd my Site Team man too and will check in in the morning. That is if I don't get any more rude awakening calls, it really was the most horrendous, I'd love the world to hear it!!!!!!! Shall go try and tuck up now and not have too much a restless non-existent sleep.

[davey77]

awww sorry to hear about the flu! Get better soon. All i can say is well done for recording it! (And not telling her, otherwise she would have been polite).

 

When you are feeling better, stick it on You Tube. If they haven't done anything wrong then they have nothing to hide right. If you any problems, email me the recording and i'll do it for you!