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MBNA Letter asking me to call them

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Hi Guys


I’m after some advice regarding MBNA, over the last couple of years I have been paying them a reduced payment of £30.


Back in September the CCCS advised us to reduce our payment to a token payment of £1, so I sent off our CCCS income and expenditure info and said that I will only correspond in writing.

So they sent me a letter asking me to call them, so after reading posts on here, I sent another letter to them saying, If there is anything else that you wish to discuss or any questions you would like me to answer then please write to me with the question and I will reply in writing.

I then received the attached letter today (very poor spelling and not very well laid out).


Should I call them or what should I do?



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Best not to call them. Just make your token payment as you explained in your letter to them. If you call they'll only try and bully you into paying more. Keep everything in writing. Then you have evidence of everything that happens with the account.


Also send them a CCA request too. If it turns out to be an unenforceable agreement, it puts you in a far better position when it comes to negoitiations with them.

These are video links to show how I deal with Debt Collectors.


Fly fishing for C.A.R.S



Frederickson International don't accept my card type


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Have you read that letter? "I refer to are letter" dated 13th Novemeber 20088

Hence the reason the threatomatic normally writes the letters rather than one of their monkeys. As you don't have a query to be resolved by one of their "specialists":rolleyes: there is no need to phone them.


Keep everything in writing (they should only be dealing with CCCS anyway). That way there is no pressure on you and you have a clear record of what has been stated.


I would strongly recommend that you get that CCA request off as MBNA's agreements are often not enforceable.






Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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that letter shows why they are a telephone based bank.


I would photocopy it and send it back with all the errors highlighted and ask them if they would like lessons on grammar and letter composition,


lesson price, however much they say you owe:D

  • Haha 1




Getting There Slowly



Advice is given freely but is in no way meant to be taken as Gospel:-)

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Should I call them?




You should call them useless, brain dead, illiterate, infantile, moronic, puerile, tiresome, tedious, vacuous, worthless, beneath contempt, timewasters, educationally subnormal, mentally retarded, socially inadequate, pathetic, pitiful, loathsome, dreadful, boring, monotonous, irritating, woeful, cringeworthy, malevolent, sickening, putrid, evil, oxygen thieves, and a thoroughly rotten shower.


And a few other things which would get this post CAGBotted if I printed them.


I wonder what will happen if you send them a CCA request? If they are a telephone based bank, they will no doubt have to roll up the agreement, stuff it into one of the holes in their receiver, massage it all the way down the phone line to your house, and then spew it out of your receiver into your earhole. I'm sure it would be much simpler if they would dare to use the Royal Mail.


As for ARE letter dated 13 November 20088, tell them "Ooo-ARE, it be a letter alright, but it be a few years into the future. I not be psychic. I tell yer wot I'll do. I'll wait ever so patiently for the next 18,079 years, eleven months and two days, and then I'll read your letter and respond to it. Provided of course that there hasn't been another ice age, comet or asteroid colliding with the Earth, black hole swallow up the solar system, burn out of the sun, collision with another planet, thermonuclear holocaust, or visit from hostile aliens. Also that none of the prophecies concerning the end of the world are true, and that no one manages to decipher the predictions of Nostradamus.


Of course, as I will have had to go through a few reincarnations in the meantime, you will not recognise my name, address, handwriting, signature, or voice when I tell your threat monkeys to bugger off. You will, however, be able to recognise me from my laugh, as I will still be in hysterics from your spelling and grammar.


Anyway, as you are a telephone based bank, ARE letter must be a fake anyway. I will therefore dispute its existence, no matter how real it may appear. It is an illusion, and an illusion does not require a response.


Come to think of it, even your letter which I am replying to now must be an illusion. You are a telephone based bank, so you could not possibly have written me this letter which I am laughing at now. I am therefore hallucinating. I am imagining that you have sent me a communication which refers to a letter 18,079 years into the future. I am imagining that you have sent me a hilarious communication a primary school child would be ashamed of, and, to top it all, I am even imagining that you know how to spell "MBNA".





All opinions of ScabHunter are offered in good faith and believed to be accurate and true. Please note, though, that I have no legal training and am human like the rest of us (except the DCA trolls).


If you have received court papers, PLEASE POST EARLY. We can help, but only if we are within the timescales.


I am happy to receive PMs (and friendship requests!), but if you want me to look at your thread please leave a link to it.


If I have been helpful, please feel free to click the old scales!






A reply to a DCA troll with a limited vocabulary




A template letter accepting a full and final settlement




A reply to ARE letter dated 13th November 20088




A reply to a naughty DCA suggesting that the alleged debtor was ignoring the poor dears, and promising a nice social visit






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I'd send that letter up the head honcho of MBNA in the UK and ask if he

believes that letter portrays a professional organisation!

When you've had all the help you need, make sure you stick around to help others too!

Just think, if everyone left the site after they'd got their help, there might not be anyone left the next time YOU come back needing more assistance!!!!!!!

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I'd send that letter up the head honcho of MBNA in the UK and ask if he

believes that letter portrays a professional organisation!



I would send scabhunters letter:D

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That letter is hilarious!

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)


Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!




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