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AA99 v MBNA (Account 1)


AA99
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hiya AA99

 

in the letter 3 - it states before they insist on you disclosing your assets etc,,,,,can they actually do this? i mean another lie??

 

 

No they can't - only a court can insist. I raised this with them a while ago and didn't get a dicky bird in reply.

Time flies like an arrow...

Fruit flies like a banana.

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Thanks guys! Don't you just love the heading on that letter too????

Let us help you to repay the money that you have spent

 

They're going to start by repaying all the charges and interest they've added to what I spent first LOL :grin:

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Oh it's that letter!!

 

Wasn't from Martin Supple was it?

 

I wrote a letter to them off the back of that asking for an apology for insinuating OH was ignoring the situation! Cheek of them!

 

Also asked why, since they'd been informed OH was in financial trouble, had they sent out at least two offers of a home loan (he's never had any before we told them). Strangely quiet about that too...

 

I'm seriously hacked off with them at the moment, bunch of bankers. I hope they all get the lurgi:p

Time flies like an arrow...

Fruit flies like a banana.

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boshed links, thanks CitizenB

 

You are very welcome..you wouldnt believe some of the puddles I got myself into when I first joined CAG. :oops: If it werent for the assistance of a particularly helpful CAGer, I wouldnt have an avatar :)

 

hiya AA99

 

in the letter 3 - it states before they insist on you disclosing your assets etc,,,,,can they actually do this? i mean another lie??

 

 

Nope, they cant. Only a court can order you to do this.:)

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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hiya AA99

 

in the letter 3 - it states before they insist on you disclosing your assets etc,,,,,can they actually do this? i mean another lie??

 

 

 

I've already sent them a full Income & Expenditure Form showing our only income being benefits, we are Tenants, and guess what? We have no assets!!!!!!!!!!!!:eek:

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hiya AA99

 

in the letter 3 - it states before they insist on you disclosing your assets etc,,,,,can they actually do this? i mean another lie??

 

 

I've already sent them a full Income & Expenditure Form showing our only income being benefits, we are Tenants, and guess what? We have no assets!!!!!!!!!!!!:eek:

 

Oh dear, guess who's gonna throw their toys out the pram when realise that :grin::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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hey AA99

 

what about if you can find one of those little house on the monopoly games,,,,send them that !! wouldnt you just want to be a fly on the wall when they open your letter saying Take my Assets ,,,,,yipppppppppppppppp,,,,then go to Jail,,,hahahahhah

 

oops sorry back to business,,,,, you are very welcome to try i would say but my dying plant pot could do with a good home, take that,,,

 

 

keep your spirits high, at least they are sometimes better than a daft commedian on the telly

 

chill and keep happy laters maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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2 Very large envelopes received today 17 October 2008, both pertaining only to OH accounts, no response yet to mine.

 

1st envelope contained letter dated 16 October, confirming in accordance with s.78 of CCA1974, copies of blah, blah, mainly only T & C's with ticked boxes for theirs/ours signatures, and recent (SEP) statements of their own plus one from Virgin, nothing from AOL (other card taken over).

 

2nd envelope contained letter dated 02 October, :eek:, with their own I & E form, referring to both his accounts, attachments herewith, I hope.....

 

I feel distressed !!!!!!!!!!!!:-x

MBNALetterdated02Oct2008p1.jpg

MBNALetterdated02Oct2008p2.jpg

MBNALetterdated02Oct2008p3.jpg

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Sickening really. What they are saying is 'we acknowledge the Banking code but will continue to ignore it as we are pretending that you are ignoring us therefore will harass you as much as we want'.

 

I haven't tried it myself but have you thought about complaining to the Banking Code Standards Board?

Banking Code Standards Board

 

As long as you can prove to them that you have not ignored the creditor and been reasonable then perhaps you might get somewhere?

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Today's post brought My account statement dated 14 October only. 1st page as normal layout but pages 2 and 3 as follows:

 

http://i390.photobucket.com/albums/oo349/AA99/Statementp3.jpg[/img]

http://i390.photobucket.com/albums/oo349/AA99/Statementp2.jpg[/img]

Edited by AA99
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Sickening really. What they are saying is 'we acknowledge the Banking code but will continue to ignore it as we are pretending that you are ignoring us therefore will harass you as much as we want'.

 

I haven't tried it myself but have you thought about complaining to the Banking Code Standards Board?

Banking Code Standards Board

 

As long as you can prove to them that you have not ignored the creditor and been reasonable then perhaps you might get somewhere?

 

Thanks davey. Their page 3 is actually saying they've washed their hands of me and to go to the FOS, so am thinking that's the next step.

 

Waiting for a legal eagle to pop by here first though! :(

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Account No.1 (in my name since May 2006 & taken over from BOS):

 

May 08 MBNA statement showed balance over limiy by £28.92 caused by charges and interest.

14 July RMA wrote for arrears

31 July MBNA wrote for arrears of £187.79 (all interest & charges)

1st August Wrote querying amount of charges & interest & expressed concern to repay

11 August MBNA wrote acknowledging receipt of letter promising full response within the next 5 business days.

12 August RMA wrote again for arrears.

23 August RMA wrote threatening report to CRA

18 August MBNA wrote to advise withdraw credit line and advising CRA of arrears and threat of Defaul Notice.

8th September Wrote covering Hardship Letter together with I & E Form clearly showing no surplus and £20 p.m. to each creditor.

10 September MBNA wrote letter headed Potential Commencement of Legal Proceedings if I didn't phone within 7 days.

12 September MBNA wrote acknowledging receipt of I&E Form. Asked to phone them

18 September MBNA wrote letter headed Important Default Notification (it's not too late to prevent the termination of your agreement)

23 September I sent Harrassment Letter, CCA Letter plus £1

13 October I sent CCA in default letter

13 October I sent S.A.R - (Subject Access Request) plus £10

15 October received MBNA letter dated 10 October with heading Let Us Help you to repay the Money that you have Spent and final chance to cooperate before insisting we disclose our personal assets and income.

18 October MBNA sent normal Statement dated 14 Oct with additional page re default sums and interest thereon

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Well I think it obviously has to be done now to reduce my balance owing. Are we talking all charges, defaults £12, late payment fees £12? or only if they were higher than that.

 

Just looking back at my notes from Bank of Scotland original card taken out in May 2006, interest was 12.94%. When MBNA took it over in May 2007, I telephoned to ask what the interest rate was and was told 12.9% for life. Their unsigned leaflet of my CCA also clearly shows APR12.9%. They are now charging 1.8735% p.m. which I understand is APR24.9%. It's that that has got the better of my finances!!!!!!!!!!

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AA

 

You can (and should) reclaim all charges for late payments, defaults, going over credit limit, bounced DDs. They may be £12 now, but they were probably £30 a while ago - you will surprised how it adds up, particularly when you add 24.9% interest on it.

 

 

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Dont you just love the first sentence on the 2nd page...

 

"It may be helpful to explain the regulatory environment within which we operate and how this may cause our procedures to be different from other UK credit card issuers".

 

What are they saying here?. We are a US company and our rules n regulations take priority ?. :)

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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Dont you just love the first sentence on the 2nd page...

 

"It may be helpful to explain the regulatory environment within which we operate and how this may cause our procedures to be different from other UK credit card issuers".

 

What are they saying here?. We are a US company and our rules n regulations take priority ?. :)

 

Yes, I feel very tempted to take this up with one of the associations... ?!

:evil:

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