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All MBNA Caggers Fight Against MBNA's underhand tactics


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Well it's pretty much MBNA bashing, combined with a bit of working out if agreements are enforceable, a bit more MBNA bashing, then something random seems to happen and we all end up going off on a tangent for a bit, then back onto agreements and DN's, finishing with a bit of ridiculing MBNA:D

 

You're going to have to be a bit more specific with what bit you're after a summary of...:D;)

Time flies like an arrow...

Fruit flies like a banana.

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Oh Ok, thanks for the info. Have we come to the conclusion that the MBNA pre 2006 agreement is a farce then? That would be great wouldnt it? I have over 15k stuck on a card with them and they are really turning the screw on me.

 

Check out my post re: Interest rate rise with option to fix the rate!

 

Anyone had anything like this from them? Can they do this?

 

obviously - the best thing is to fix the rate but knowing that the amount of 15k at 25.9% will be stuck on the life of the card is hard to swollow if later on the rates drop! Could this be the plan, to get high borrowing customers to stick to a high rate and drop the APR to a lower point later on when we have all fixed our rates?

 

Please take a look at my thread - should be at the top somewhere.

 

Thanks again.

Kor

:grin::grin:

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well im of the opinion that could be an unfair contract term this needs the input of the site team PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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i would be putting the account in dispute and seeking the guidance of the FOS FSA and CC

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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"i would be putting the account in dispute and seeking the guidance of the FOS FSA and CC"

 

 

I would rather use CAG - lot more sense and action.

 

GK

 

As an aside thinking about the word bit reminded me that the word with the longest definition in the OED is 'set'

 

 

"forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gif The Financial Ombudsman Service For the most part, don't bother.

The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency.

You have no idea what evidence the FOS has received from the bank or how your complain has really been handled.

The FOS is the preferred complaints route for the banking industry.

The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you.

 

The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank."

 

Where did that ^^^^ come from?

forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

Edited by GamekeeperToPoacher
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Hello Landy!

 

Could be interesting, the more samples we can dig out, the better.

 

Maybe CitizenB can start adding Card Carriers to the Thread that she is building up showing a nice collection of dubious MBNA Agreements.

 

But the Card Carrier issue is one that we must not let them get too excited about...the main issue as far as pre-CCA 2006 Agreements are concerned, is they must have a piece of paper signed by the Consumer, that contains the Prescribed Terms within the four corners of it.

 

The Card Carrier nonsense is just a diversion, and a classic example of the Debt Industry trying to reverse engineer The Consumer Credit Act 1974 into The Debt Industry Protection Act 2009.

 

The real danger is a few more bungs to the grasping self-serving politicians, and the above could happen! They managed to castrate s127(3) in The Consumer Credit Act 2006, so who knows what they have planned for the next version.

 

Cheers,

BRW

 

Any changes they bring in couldn't be applied retrospectively, though, could they?:eek:

 

The last changes werent retrospective, UD:)

 

And always....sent it Recorded, or they are quite happy to outright lie and say it's not been received.

 

And even then they will swear black is white that they didnt receive it:rolleyes:

 

BRW, there are a couple of card carriers on the MBNA Doc thread.. but if people have others, please be good enough to pm me with a link to a post or the photobucket link and I will be more than happy to get them included. The more information we have in the library, the better.

 

Chalk itup.. yes, I agree there are some mailers that had t&cs included on the back, but I believe there were docs that folded into 3 , not the single fold.

 

I think there is still a question to be answered here. All of us signed the doc and sent it back. None of us it would appear, have had a copy returned to us with the companies signature. Should this have happened. Very few of us had the sense to photocopy the darn thing before returning it.

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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PF, is that your mum and dad in your avatar ?:) BTw, congratulations on your 2000th:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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yes citizen my mum and late dad i put it up for a while as a tribute PF

Edited by pompeyfaith

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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yes citizen my mum and late dad i put it up 40 a while as a tribute PF

 

Fabulous photograph and a nice tribute:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Fabulous photograph and a nice tribute:)

 

Agree totally :-D

 

I love looking through my grandads old b&w pics... they just seem to convey more the moods of people, I find without colour you tend to examine the peoples faces and scenery more to try and work out the atmosphere of the pic...anyway I'm rambling now :-(

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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indeed shadow and thanks may i add goes to BRW who did an excellent job increasing the size and cleaning up the bleamishes 4 me

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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oh decisions decisions, my OH has one of the "agreements" from her sony card, that used to be BOS but was sold to MBNA, that doesn't have the prescribed terms.

 

They also terminated 6 days before the expiration of the Default Notice, and have charged over £1800 in charges and associated interest.

 

I think we are going for charges and unlawfull termination damages ;)

 

Don't ya just love MBNA? they don't seem to be able to get anything right!

 

H

I am not a lawyer - I'm an Engineer with an interest in law. Advice is given with out prejudice and is my opinion on the information I have been provided with based on my experience, understanding and interpritation of law. If you are in any doubt please seek the advice of a qualified and insured legal professional.

 

Victories:

Abbey (OH) - £680 ..... Barclaycard (OH) - £2200 ..... MBNA (OH) - £1800 ..... Shop Direct (OH) - £220

Brunell Franklin (a.k.a. Conkers) - Out of "contract" & no charge

:D

 

In Progress:

MBNA (OH) - PPI & bad default with premature termination

Capital One (OH) - ~£800 Penalty Charges

Suzuki Finance/Blackhorse (OH) - Commission, Unlawful removal, PPI, Charges

 

A Lightbulb Shop - "loss of bargain"

 

If i've helped, please feel free to hit the star ;)

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GKTP,

 

With reference to you post 1032 while i agree with you in the most part i still think the regulatory bodies should be made aware and find out what there take is on this practice

 

And i also agree this site does a 110% job in helping us folk out but unless we inform the authorities nothing will be done to change it.

 

As you know this country has to kick up a stink to get anything done

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Hi PF,

 

I can see that but still think it is better to kick butt and then tell the authorities. I do not intend to sit and react for 6 years till they 'drop off' through SB I intend to go for them and force the issue.

 

I am sure that CMCs are working that way

 

 

GK

Hi *waves* to our guests - no MBNA calls to make tonight?

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Sb= Statute Barred

 

Cmc= ?

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Share on other sites

Hi guys, have a look at my thread in legal issues Miss Muppet vs MBNA for MBNA underhand tatics (sorry useless at linkbacks!)

 

The link for Miss Muppet's thread is below

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/196114-miss-muppet-mbna-costs.html

 

 

Miss M, go into your thread, highlight and copy the link from the address bar at the top of the screen.. hightail it over the thread you want to leave the link, open a new reply box and hit paste.. link left :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Can you post it up summer with the effective dates so we can take a look and see if it complies just edit out personal stuff but leaving the issue and remedy dates.

 

Regards

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Hi MBNA caggers

 

Have they changed tactics?

 

Just received a DN and the amount to remedy is the TOTAL balance :eek::eek:

 

Any ideas what will happen next ?

 

 

I have had the same today, a default notice that says the have already reported a default to CRA's and they want the full balance by 25/06/09 :lol:

 

This is definately a default notice, very odd. They say I am in breach of paragraph 8f of my agreement ???? No 8f on my application form :lol:

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