All MBNA Caggers Fight Against MBNA's underhand tactics

[underdog13]

Red letter day for me from DLC...so why did I burst out laughing??!!

 

Decided you lot are a really bad influence on me and you all must learn to take these bankers and their allies seriously!!

 

So there!!

 

Well if they ever start acting correctly and stop talking through their trousers, I might be able to take them seriously;)

[lexis200]

It's not me, it's the others - I'm very well behaved:p:)

[Battler]

Not sure if this should be a new thread or what?

 

I sent MBNA (virgin) a CCA request on April 20th with £1. No reply just phone calls and e mails for payment .

Then follow up letter 12 days later. Same result , nothing other than phone calls.

Informed the account manager that she should refer to the letters and the account was in dispute.

She became very animated ,said no record of letters and hung up.

Today a letter came saying they have no phone numbers for me and if I do not call them within 10 days they will take action to recover in full ,register default etc

 

what action should I now take, any pointers appreciated.

 

thanks in anticipation and hope I am not hijacking?

[basa48]

Did you obtain Royal Mail proof of delivery for your CCA requests?

 

If they have in fact received your request they are now in default of the Act by virtue of s.78(1) and may not enforce the agreement pursuant to s.78(6) and you should write to tell them so.

[basa48]

So far MBNA have written to me and "withdrawn my credit line" (??) and again advising they have "placed a restriction on the account".

 

Nothing else (apart from standard replies to CCA requests and SARs)

[AA99]

Battler, hope you are one, they will do all they can to get you to talk on the phone, if you do, record or at the very least log them. They insist in all their various forms of Terms & Conditions that if you want to terminate the agreement it can be done in WRITING, so don't let them tell you they are a telephone bank.

 

ps. you were in the right thread, we just get delirious from time to time, I wonder why

[Battler]

Thanks AA,

the letters were sent recorded delivery,so I will track them.The account manager was told about them and that it was now in dispute, yet the latest letter has no ref. to any of this.

Can they default me, if they say they never had them and deny the calls.

 

Fun Time! Thanks for the help.

[Mikey_London]

We've both had the same letter Battler! Actually I think its the second one of these I've had but I haven't bothered to check yet. I'm interested in any answers to the questions you posed as I'm at a similar stage with them.

 

Readers may like this quote from their latest letter:

 

"Customers who do get into financial difficulties usually talk to us and the problem can be resolved to our mutual satisfaction".

 

Their specialists are available 9 to 5 Mon to Friday apparently. I thought they were open evenings and weekends too? Have I been moved up a tier so I get the boys that only work 'office hours'?!

[basa48]

Can anyone advise, does the creditor have to sign a credit card agreement ?

[the_shadow]

Can anyone advise, does the creditor have to sign a credit card agreement ?

 

Yes, although this can take the form of a stamped signature and date. If they dont sign it its not a properly executed agreement but its enforceable by a court.

 

S.

[lexis200]

Thanks AA,

the letters were sent recorded delivery,so I will track them.The account manager was told about them and that it was now in dispute, yet the latest letter has no ref. to any of this.

Can they default me, if they say they never had them and deny the calls.

 

Fun Time! Thanks for the help.

 

I had a letter from the VP categorically stating they had not received 4 letters I'd sent. That'd be the four letters sent recorded delivery, signed for by them at the offices, and that were included in the SAR I'd received not long before getting her blatantly lying letter...

 

Do not trust MBNA. Always send recorded delivery at least, and track it after a couple of days to make sure it's got there. If you find it has been delivered, see if it was before or after the account manager said it was there - if it's before then add that into your next complaint letter!

 

One last thing is I would strongly recommend (if you can afford it) getting a recorder for the phone. Argos do a basic mp3 version for about £30 which we have which is fine, or if you can afford it I've heard nothing but good things about the Truecall sold on here for about £100.

 

You don't need to tell them you're recording the call (they must tell you as a protection for them against you getting abusive etc towards them - they are considered a professional business so are assumed to be telling the truth/staying calm etc), it does mean though that you end up with some very interesting snippets to keep/use against them. If you ended up in court you couldn't use the actual recording as it's done without their knowledge, but you can make a transcript of it and have the tape their just in case the judge wants to hear it:) Just make sure you get them to say their name and the company they are calling from (and if you've asked for no phone calls, if possible get the name of the manager who's on who authorised your number on their list!)

 

Lexis:)

[landy_alert]

Hi Folks,

 

Just to let you know that we have just received a cheque from MBNA for the remainder of our charges (including contractual interest) :D:D

 

Accompanying the cheque is the usual 'we don't accept that we are in the wrong' type letter, however paying up in full speaks for itself doesn't it!

 

We're not going to go mad with the money as we intend to use it all to pay bills etc, but it's certainly put a huge smile on our faces this afternoon - that and the fact that our gorgeous Son is coming home from uni for the weekend:D

 

Anyway, I couldn't have done it without the help received from everyone here, so a big thank you to you all.

 

Just need to get on top of all the others now - Lloyds, Swift, Sainsburys, M&S etc etc.....

 

Regards,

 

A very happy Landy x

[Battler]

We've both had the same letter Battler! Actually I think its the second one of these I've had but I haven't bothered to check yet. I'm interested in any answers to the questions you posed as I'm at a similar stage with them.

 

Readers may like this quote from their latest letter:

 

"Customers who do get into financial difficulties usually talk to us and the problem can be resolved to our mutual satisfaction".

 

Their specialists are available 9 to 5 Mon to Friday apparently. I thought they were open evenings and weekends too? Have I been moved up a tier so I get the boys that only work 'office hours'?!

 

Yep ,Thats the letter!

So, I intend to send a copy by return, registered of course, and see what happens.

[heliosfa]

well done Landy! big congrats!

[landy_alert]

well done Landy! big congrats!

 

Hi Heliosfa:)

 

Thank you! I will update my thread later and give a timeline of my claim in an effort to help others in their fight. In the meantime everyone should keep on at them as this proves they're not such a hard nut to crack as I had thought!

 

Regards,

 

Landy x

[AA99]

Well done Landy! Will read your update later

[Cougar1]

subbing

[landy_alert]

Well done Landy! Will read your update later

 

Thanks AA!

 

Have updated my thread, so hopefully it will give other MBNA peeps an idea of the process I went through:D

 

Regards,

 

Landy x

[Gazza112]

Congratulations Landy on your success against MBNA.

 

Gaz

[landy_alert]

Congratulations Landy on your success against MBNA.

 

Gaz

 

Hi Gaz,

 

Thanks for the congrats! Unfortunately it doesn't end there though as there's still PPI to get back (with the FOS) and OH has another account with them too - so it's still a work in progress. However, just to have achieved one success feels great:D

 

I've noticed one or two people getting some money back off them, so I'm just hope this is the beginning and everyone else here will soon be as fortunate!

 

Regards,

 

Landy x

[stressed mum!]

Hiya all have started a thread hubbys agreement came this morning would appreciate you all having a nosey let me know what you think thanks hopefully I've done the link right!!

http://www.consumeractiongroup.co.uk/forum/mbna/201073-my-cca-finally-here.html

[AA99]

Thanks AA!

 

Have updated my thread, so hopefully it will give other MBNA peeps an idea of the process I went through:D

 

Regards,

 

Landy x

 

Please post a link, you have so many threads

[stressed mum!]

Basa48 Have you had a reply yet regarding your letter in post 834 would be interested to know as were at similar stagesx

[basa48]

Basa48 Have you had a reply yet regarding your letter in post 834 would be interested to know as were at similar stagesx

 

Yeh ... got a letter threatening "Legal Action". The date for action was a little while ago!!

 

But I'm pretty sure it wasn't as a response to my letter.

[stressed mum!]

Cheer's ,already had that one was it from optima legal???