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    • Moorcroft are sending a rep round to my house this week. What is the best way to handle this? Ignore and not answer the door or engage with them? I haven't acknowledged anything since I started on this journey and defaulted on my cards in December 2022
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    • Hi, I am a local authority tenant and was in a 3 bed house. At the end of last year, my last child moved out and so did my spouse as we are now going through a divorce which meant that I was in the house alone and decided that I needed to downsize not only for myself but to offer the property to a family that needed it. I registered on the local authority housing bidding site as i was asked to do and I was accepted and given a priority banding as I was downsizing and they were desperate for my house. I have been extremely lucky and after about 6 weeks was accepted for a new build from a housing association via the housing gateway. I viewed the property 2 weeks ago and had to sign the tenancy last week when they were doing bulk signups for the houses and that is the day I moved. In between viewing and sign up, I contacted my current local authority landlord and asked how I give notice as I had been accepted for a property I had bid on and was moving.  The lady told me how to do it online and then said that I needed to give a full weeks notice which wasnt a problem as I had enough time.  (I was also told a weeks notice was what i would need to give by another staff member about a month ago when I phoned up for another housing related question.  I dont have any of this in writing.) I have now moved, handed back the keys and I am now being told that I need to give 4 weeks notice which I cannot afford. I hav e spoken to the council again explaining that I was told a week and that to be honest, if I knew they were going to charge me 4 weeks I would not have been able to move and would have stayed in the other house.  I thought I was doing the right thing. They said that calls are recorded and they asked me when I called in and was told a week and they would listen to the telephone conversation and if it was correct what I was told, they would see what they could do to reduce the notice period. They have now emailed me back and said that they have listened to the conversation and the lady said 4 weeks notice and I am liable for 4 weeks rent.  Now I may well of misheard her when I thought she said a full weeks notice she may have said 4 weeks notice but I am sure she said a full weeks notice and i was told a week by another member of staff a few weeks ago. I have emailed her back and said that I may of misheard but I would like to listen to the phone recording myself.  As yet they havent responded. I think its unreasonable for them to make me give 4 weeks when I had to sign the new tenancy with little notice or loose the property.  And it was all done through their gateway, and they will have a tenant in there pretty much straight away getting rent from them. I am on a very low income, I am on my own, I have serious medical issues and I am really getting myself stressed out over this. Any advice would be so appreciated.  Can I insist they let me listed to the recording? RH  
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Mbna


Capricorn1601
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Hi Capricorn

 

I've sent the reminder to the address which was on the letter from Mr Supple. They have ignored the other letters so I thought I would give it a try.

 

Well no more telephone calls over the weekend thou I have to admit they were quite easy to deal with on the phone but lets see what happens next !

 

Squidward

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capricorn, squidward, and dinkjames and lady in hell,

just reporting in, i had a default notice form them today another mess they didn't even that right, and still no SAR still they've got til the 26th june.... i was just thinking that we 're not supposed to hijack any threads but this one's got a real 'family ' feel to it

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You are all welcome and I am enjoying the regular company to our joint plight.

 

How do you know the default is incorrect? Does this mean they have terminated your account, hence can no longer add interest?

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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I've just read all this with much amusement - you guys are GREAT!!:-D I guess this gives me a taste of what I'm about to embark on - not relishing it now I've read Capricorn 1601, by the same standard, I'd be Capricorn 0801 - is it something about Capricorns that we love a bit of a fight?

 

I've just received the responses to my two SARs from MBNA - one is for A&L and they don't have a copy of my original signed agreement...... what a shame!! Should be relatively straight-forward but any suggestions on wording for a letter would be good as I'm new to this stuff!

 

For MBNA themselves, they do have an A5 copy of my agreement - so small and such bad quality that the Ts & Cs are almost impossible to read! It's one of those ones with the important stuff in a band down the side of the page.

 

Can anyone suggest short-cuts to nailing these very unpleasant people?

 

I've created my own thread here and will remove further postings to keep this thread "clean"

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So what is the next stage? I presume as all cases are on hold in Chester, or whereever they are based, they can only threaten court action.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Hi Rory

 

Welcome to the club, please feel free to post up here and let us know how you are progressing.

 

I'm in limbo land now, ignoring their letters, just as they ignore mine... hehe. I havent had any correspondence from them recently, although I have a case outstanding with the FOS, so maybe, just maybe they are on their best behaviour.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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good luck RoryM you'll get all the help you need on here a lot of reading, there are alot of experienced people on here and the site team are fantastic, but i haven't found any short cuts yet just keep the letters going

shakti

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Rory

 

When was your agreement taken out? Just wondering why a small copy, or even a scanned copy.

 

The one I received from Egg was a scanned copy, very bad quality. I'm waiting for PT and the rest of the group on the Egg forum to lead the way before I step that action up a gear.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Rory

 

When was your agreement taken out? Just wondering why a small copy, or even a scanned copy.

 

The one I received from Egg was a scanned copy, very bad quality. I'm waiting for PT and the rest of the group on the Egg forum to lead the way before I step that action up a gear.

 

Agreement was signed by me on 24/1/2000. It looks like a poor scan! I tried scanning it to post but the important text just looks like patterned shading even at 1600 DPI resolution!

 

The small print was SMALL to start with, when you then reduce it from A4 to A5 it's minuscule and almost unreadable!!

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You are more than welcome to post up here. I think somewhere I have a letter to suit as I am going to send something similar to Egg. I will have a look tonight and post it up for you.

 

Capricorn:D

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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well done rory you're on the ball i sent a cca then a sar so you're in front of me yes you're right with A/L, i stopped paying mbna when i didn't get a cca on time the account was up to date though, how are you sure that mbna have an agreement? DON'T EVER SPEAK TO THEM ON THE PHONE .. EVERYTHING IN WRITING ONLY they'll convince you you mother's a hyena

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Haven't been able to work out how to start a thread........... where's the function/button/link to do that?

 

If you go to the forums homepage, in this case General Debt Issues - The Consumer Forums & scroll to the bottom of the page and click 'new thread' a page will open for you.

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