Mbna 'agreement' - now threat of legal action

[underdog13]

hey underdog,

 

that is very understandable, interesting im reading the oft debt collection guidance info that was sent to me by nationaldebtline and under the

 

Debt collection visits bit

 

section f is "visiting or threatening to visit debtors without prior agreement when the debt is deadlocked or disputed"

 

also under the Physical/psychological harassment bit

 

section g - makeing threatening statements or gestures or taking actions which suggest harm to debtors

 

when i spoke with nationaldebline they were really hot on the topics of this kind of behaviour

 

ive had leaflets from them, but im sure all the info is here on the site and you maybe already have the info, just so that you can quote stuff from it i was thinking when you do make those complaints

 

yes im a bit gobby and really friendly person but when i get angry, im a tenacious gal, and i will hook horns with anyone and this is the fight in me that drives me to get things done in the proper and legal manner

 

keep positive okay

 

laters angel x:)

 

Thanks for that ,angel.

 

I will draft the letters tomorrow when I'm thinking straighter.

 

Sounds like we have very similar personalities:D

[underdog13]

Hiya Underdog,

 

If you have no joy with the solicitor may i suggest the law society they maybe able to find you one specializing in consumer law.

 

Ill post there website below as it may be worth a read and give you a few pointers.

 

The Law Society - Home

 

Regards

 

Pompeyfaith

 

Thanks PF, that's a good idea:)

[angel_1]

hahahahah underdog - love your last reply,,,

 

yes my halo just slipped at my thoughts in my letter to them, hhahahahhaha

 

keep your pecker up, ive got all next week off, by then i will be seriously doing some damage lol

 

with my letters of course,,hahahha

 

im off very soon so will catch up with all tomorrow

 

if i can do anything pls let me know and you know how good lexis is with her letters just incase hey

 

laters angel x

[underdog13]

hahahahah underdog - love your last reply,,,

 

yes my halo just slipped at my thoughts in my letter to them, hhahahahhaha

 

keep your pecker up, ive got all next week off, by then i will be seriously doing some damage lol

 

with my letters of course,,hahahha

 

im off very soon so will catch up with all tomorrow

 

if i can do anything pls let me know and you know how good lexis is with her letters just incase hey

 

laters angel x

 

Thought I'd share that with you all, to give you a laugh:D, even if it was cringe worthy:oops: Sod's law that he should come to the door at that moment! Guess a bolder person would have run down the stairs, dropped the towel and given him a flash, lol - bet that would have shut him up!! Afraid that's not me, though.

 

Good point about Lexis' superb letter writing. Give 'em hell with your letters next week, too.

 

With regards to the afternoon phone call, I can't wait to see Link trying to get money out of the dead - last know address; bottom of the Clyde, mate - he sleeps with da fishes;)

[lexis200]

Unfortunately a family member answered the door. (I'd just got out of the shower and didn't fancy going to the door in a towel!)

:lol:

 

I think you should have:D At the very least it would have rendered them speechless - who can argue with someone in the buff?:D

 

Oh, and stop it you two, I'm blushing:oops:

[underdog13]

A new tactic for dealing with doorstep DCAs, perhaps - all caggers answering the door in the buff:lol: Can you imagine their confusion, going to house after house to be confronted with that?!

[lexis200]

That is just about the best idea ever!!! I wonder if we could get something arranged, or do you think they'd smell a rat if we're all suddenly sending 'yes please, send your heavies round tomorrow' letters rather than the usual 'sod off' ones?

 

That's going to amuse me for ages now, the thought of line after line of grinning nudies opening doors to speechless gimps:D:D They'd be in therapy for years:D

 

Do you ever get that one thought that comes back to you when you're in the middle of the street, usually when you're on your own, and you start smiling like someone who's just escaped from the Sunshine Club? This is it for me:lol:

[underdog13]

Do you ever get that one thought that comes back to you when you're in the middle of the street, usually when you're on your own, and you start smiling like someone who's just escaped from the Sunshine Club? This is it for me:lol:

 

Yes, that does happen to me; and the more you try not to laugh the more you snigger:D

[underdog13]

Forgot to mention, had another letter from the same doorstep company (regarding a different account) who received the revoking right to visit letter months ago! Think they're digging a deeper and deeper hole for themselves....

 

And before you ask, no I'm not answering the door in the buff:lol: Sorely tempted to don my marigolds and give him a deposit though - one of the deposits my neighbour's cat keeps leaving in my garden; well if you keep giving people cr*p, you've got to expect some in return;)

[lexis200]

Thank God it's not just me:)

 

The trouble with me is, it's not that I snigger if I attempt to hold a giggle in, I end up doing a really embarrasing laugh/snort combo. Then I get the grin that won't go, so it doesn't matter how full a street is, miraculously where ever I go it's always clear due to the other people avoiding the oddly happy lady. And I use the word lady quite wrongly.

[underdog13]

Thank goodness for care in the community - or we'd both be occupying little padded rooms;)

 

Useful tip though for clearing your way through crowded streets - you could do your shopping on christmas eve and have no bother. Wonder if it would work in supermarket till queues.....

[angel_1]

hey you two lexis and underdog, you have just made my morning and all i said was lexis is good at letter writing:lol::lol:

 

and we got to this from the in the buff and to the grinning lark, i will be grinning in the street today, hahahha

 

off to do another sars laters angel x

 

keep happy

[underdog13]

hey you two lexis and underdog, you have just made my morning and all i said was lexis is good at letter writing:lol::lol:

 

and we got to this from the in the buff and to the grinning lark, i will be grinning in the street today, hahahha

 

off to do another sars laters angel x

 

keep happy

 

But can you do the laugh/snort combo?:lol:

[fairbyblue]

subbing

[lexis200]

Thanks whoever tickled me:)

[almond]

Thanks whoever tickled me:)

it was me forgot the other day

[deepdebt]

Optima threatening letter for above account;

 

Hi underdog13,

 

Did anything ever happen with the Optima threat?

[underdog13]

Not so far - famous last words, I'll get a court claim land on the doormat tomorrow, lol.

 

I asked them to provide copies of the paperwork they intend to rely upon in a court claim - haven't heard from them to date!

[deepdebt]

Hi underdog13,

 

How did you ask for the paperwork, was it by a CPR 31.16 or 31.14 request, just for info.

 

If a SD does land later today or tomorrow don't blame me, its called sods law.

[pompeyfaith]

i had that letter one mth later the N1 came just be aware they love to abuse the process

[underdog13]

Hi underdog13,

 

How did you ask for the paperwork, was it by a CPR 31.16 or 31.14 request, just for info.

 

If a SD does land later today or tomorrow don't blame me, its called sods law.

:grin: Nah - I know who to blame - That lays squarely with MBNA.

 

I just requested the paperwork - thinking of going the CPR route, now

[underdog13]

i had that letter one mth later the N1 came just be aware they love to abuse the process

 

Hmmm, that's a bit worrying, PF. Thought it was so much hot air.

 

Thing is, I'm pretty certain that the agreement for that account has been tampered with, shall we say...

[deepdebt]

Hi pompeyfaith,

 

Abuse of process is extremely common on here, highlighted so many times!

and it takes so long to rectify.

[deepdebt]

:grin: Nah - I know who to blame - That lays squarely with MBNA.

 

I just requested the paperwork - thinking of going the CPR route, now

 

Glad we got that one sorted, couldn't live with the guilt.

 

Yes the CPR route does seem to be generating a lot of discussion at the mo.

[guzzleguts]

Hi underdog

 

Sorry to ask on your thread, are you any good with DN'S or do you know of anyone that is, i have a problem with one on a thread thats not getting viewed much, ive tried just about everyone thats helped to date, but it seems that DN's are not their forte.

 

Again sorry for going off topic on this thread.

 

GG