Mbna Have Gone Back On Their Word~

[daftcow100]

I agreed a full and final with MBNA.

 

Paid it and got a letter from them saying the matter is now settled.

 

Sent their data controller a letter to stop processing data on the account. They replied saying account not closed and will continue to incur fees etc until I provide a financial statement and they agree to accept it.

 

This was not what was agreed and I was never asked to provide a financial statement.

 

Any advice?

[dpick]

Hi if you agreed this by phone I am sorry to say that MBNA have done you, they are the biggest lying b*****ds on the phone. If you have this agreement in writing then you would have to fight them. Options FOS, OFT court etc.

 

Do not believe anything MBNA say to you on the phone they will tell you anything you want to hear on the phone then deny ever having said anything like this on the phone(I had to get a phone recorder to stop this).

 

dpick

[Pinky69]

Never trust a DCA or any financial institution - they are lying rogues, the lot of them. A full and final must be done in writing with a third party writing a cheque as a witness. Were they able to give you a copy of your agreement? If not, don't pay them another penny and tell them to bog off.

[42man]

If you have a letter from them saying settled I would send a copy of that back to them, and say that if they harrass you any more, you will not have any other choice than to take them to court.

[daftcow100]

I have it by email from them.

 

In fact they just sent me another email today to say that it is fully settled and that they would not pursue the monies and the reason why the account is not closed is that they have some paperwork to finish. They promised my credit file would be updated within 3 weeks.

 

It was their data controller who said the opposite and said I had to now supply financial statements. Shall I just wait and see what happens in 3 weeks and see if the half of MBNA who say it will be closed does it or start sending the emails to the data controller and ask him whats going on!!

[Goldlady]

Have you sent MBNA a CCA request? If not, and you don't get the matter resolved, I would recommend this. They are particularly useless at keeping agreements:D

[cashins]

They are particularly useless at keeping agreements:grin:

 

And even if they have it, their storage systems are so bad, very often they can't retrieve a clear copy anyway.

 

David

[Goldlady]

I feel so sorry for them - NOT:D Of all my creditors they were THE WORST and I was so delighted when they could not produce my CCA. My OH was asking me the other day why I am still paying two or three a token payment when they have not been able to produce a CCA and my answer was that they were so helpful and decent when we had problems that I feel they should be treated with equal respect. But MBNA - words cannot describe how I feel about them....

[angel_1]

hiya

 

yes my nightmares are them!! but i can smile because now im a bit of a thorn in their butt so to speak

 

pls keep an eye on this and wait to see what they actually do , if not straight onto a complaint to fos - especially as you have the emails as proof, fingers crossed all will be okay for you

 

ciao for now maz

[cashins]

In my experience and from others I know of the culture of deceit is so entrenched in MBNA it is hard to imagine that it's not company policy.

 

David