Me, Myself & MBNA - Help required

[decker]

Hi All

Would like some advice and give encouragement - To Quote *Dont let the B** get you down. Neil you know who you are (cretin)!!!

This person is named already on the forum and lies / bullies people into payments they cannot afford. -DON'T

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I currently have a DMP with CCCS and of the five creditors these are the only ones causing trouble with continued letters threatening your credit file and employment. Their representative makes it very clear that CCCS work for them and not to believe anything that CCCS tell you. -RUBBISH

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There aim is to get a charging order on your house. But they can only do this if you dont keep up payments on a CCJ. They are trying to take me to court at the moment. Never been to court before could be a new experience but I am not going to let such a load of B* win.

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I wonder if anybody has fought a CCJ from MBNA and would give me the opportunity to have a settlement fee reduced from 7K compound interest over many years against the amount in a letter they would accept as 2.5K

 

Thanks in advance

[decker]

Please keep an eye out for the number 10 e petition I put up asking for the removal of MBNAs credit license and I have complained to my MP and the financial ombudsmen.

[decker]

Decker,

 

MBNA work very closely with the CCCS and Payplan as they don't charge their customers. But they aren't able to accept as low payments as other companies are.

 

If people are in debt with MBNA and can't pay the normal payments they look at debt management programs. The least they can accept monthly is 0.8% of your balance, which will pay it down over 10 years. If you can't do that then they will freeze the interest and fees, but the account will default after 7 missed payments

 

MBNA will only look at legal action if they believe you have the money to pay, but are unwilling to do so.

 

Obviously you have some connection with MBNA, We at the receiving end know what you are like. Never Listen, always sending threatening letters and bullying to get the money. Would never recommend MBNA or its partners to anybody else. I suggest we put a petition on the Number 10 website to pull their credit licence because of their unlawful/borderline criminal behaviour.

[decker]

MBNA has to accept whatever you can afford. Look at your incomings, outgoings and priority debts. The portion out what is left to your creditors in proportion to how much you owe them.

 

MBNA has to accept this- if they decide to make idiots of themselves and take you to court, the court will not ask you to pay more than this and in some cases, less.

 

Of course they must provide you with a CCA before you pay them a penny- in MBNA's case, they appear to have had an infestation of document eating mites in their archives, or an incredibly lax attitude to their statutory obligations! I wonder which...

 

And as far as working closely with Payplan and the CCCS, I am quite shocked by that. Is that some reference to donations to these charities? Because, talking to someone who works for the CAB, they said MBNA were horrendous to deal with and unwilling to negotiate frequently, for no good reason.

 

Could check credit agreements using this website

 

edited

 

Not used them myself yet but could be worth a try. It seems that MBNA send a load of accounts to court just to see what they can get for them. Frigtening people to pay what they cannot afford.

Anybody think of a number any number thats how they work.

Edited October 7, 2008 by HSBCrusher
commercial website link removed

[decker]

Mine was this last Monday, 13th, no reply or acknowledgement - check my thread AA99 v MBNA

 

I would advise a letter stating that they are default and the account at the moment is unenforceable and unless resolved within 28 days you are legally able to stop payment and put amounts into an Escrow Account until the default is resolved by them.

[decker]

Hi

got a CCJ application struck out due to non compliance with CPR request for CCA and other information.

 

Would a counterclaim for the same amount be the next step for me or shall I wait for them to come back again?