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Dotty50

experto claimform - Mbna- Virgin Card ***Claim Discontinued***

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Hi All,

 

Have today sent 'Account in dispute' to MBNA for my Virgin CC.

 

Requested CCA on 29th April to which no response has been received, although this comes as now surprise from reading relevant threads.

 

Won't hold my breath for a reply. Am still paying minimum payments but soon to become a struggle due to reduced working hours.

 

Really want to offer F & F but if no CCA then maybe I will be in a better position to negotiate.

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And another! (Also thread for MBNA - Virgin)

 

Hi All,

 

Have sent 'Account in dispute' letter as they have not replied to my CCA request on 29th April.

I realise this is not going to be easy and ultimately I want to get to a F & F offer asap.

 

The CC is up to date at the moment and would never have been a problem if they had stayed as things were with HFC.

 

 

Salary was paid to this card on a monthly basis and covered all DD's and S/O's

 

 

but when it went to MBNA they stopped the facility that had been used for getting on 15 years, if not longer.

 

So annoying!

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Hi Anyone?

 

Well up to now, heard nothing from them, not even an acknowledgement!

 

So, reluctantly cancelled the DD today, so expect they will be in touch soon. Working reduced hours from this month so decrease in pay, want to offer F & F but if they can't be bothered to respond, why should I do anything?

 

Didn't want to do too much damage on CRA's but wondering now if it really doesn't matter, wanted to look at re-mortgaging but lenders aren't lending anything, it seems!

 

Can someone please tell me how to move this thread to the MBNA forum.

 

Thank you

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Hi anyone?

 

Not heard a sausage from these, had a look online last night and they have changed due date of payment from 19th ish to 7th (earlier not later!) so now in arrears anyway and of course, £12 charges slapped on. So I removed all contact phone numbers!

 

Account now in dispute so not sure what to do next really.

 

This is a really old CC which was originally through Beneficial, could offer F & F but it seems that you may get a better result if the account has defaulted and DCA's involved.

 

Any thoughts/advise greatly appreciated and how to move this thread to MBNA forum.

 

Thank you.

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Aah, looks like I am there!

 

:eek:

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Hi any advice appreciated please.

 

Message left on home phone to call RMA 01772 833380.

 

Think I have seen RMA on some threads but not sure which, I have just missed last payment for MBNA so assume it is on their behalf.

 

I have no intention of calling back though, still waiting for reply to CCA from 28th April and sent Account in dispute letter.

 

Thank you

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Had another message left on landline from RMA to call them, which I didn't do.

 

Letter received in the post this morning from them so that confirmed they are chasing payment on this card.

 

Should I write back to them advising that this account is in dispute or just do as MBNA do and ignore them completely? (for at least 2 month anyway!)

 

Any experts out there? Help gratefully appreciated

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For what its worth, I would ignore RMA as in my experience they take no notice of your letters. To my credit I did get them to slam the phone down on.me :D.

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As MBNA are in default of your CCR, they are in the wrong to pass your account to RMA so the more RMA try to contact you the more of a counterclaim you will have for harassment if this ever went to court.

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Hi RevIan,

 

Thanks for your advice, they have called home today and my works number, really not impressed fortunately I took the call but it could have been quite embarrassing for me! As they asked for me by my first name which I don't use, I just said no one of that name here!

 

I went online and removed my numbers, so they have got them from somewhere.

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Thanks again rev.ian will get a letter sent to them tomorrow

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Hi rev.ian, if you are around. Or anyone else.

 

Just a little advice needed please.

 

I came across this letter which I believe may be more appropriate, in the first instance rather than the telephone harrassment letter (they have only called 3 times) so far. Yes I expect it will get worse!

 

Not sure what dates to put in, I CCA'd them on 28th April and sent Account in dispute on 29th May. Do I quote the dispute date as 28th April plus 12 working days and/or 29th May plus 30 days?

ACCOUNT IN DISPUTE to RMA with deletions.doc

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The dispute date is 12+2 days. I bet MBNA didn’t even tell you that RMA would be dealing with this account, as that a breech of OFT guidelines as well.

“Office Of fair Trading Debt collection guidance

2 UNFAIR BUSINESS PRACTICES

2.6 e. not informing the debtor when their case has been passed on to a different debt collector”.

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Thanks again rev.ian,

 

No of course they didn't tell me. I suppose they may have done if I had spoken to MBNA when they called me!

 

LOL

 

Letter to go today

Off to RMA!

 

Getting poetic, must be the heat!

;)

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They seem to have gone very quiet now, no letters or phone calls.

 

Wonder what will be next. :-|

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Hi Anyone,

 

Now getting a few calls from them, they start work early dont they! I did take one call and found it very difficult to understand what they were saying but I just refused to give any details to them and they gave up.

 

Had a letter from Global Vantedge now but it says don't respond to address in New Delhi!

 

Have drafted a letter from the library on here, do I just send it to MBNA as this is the only address on the letter for me to send a 'cheque' to.

 

Of course there is a freephone number on it which I can call!

 

The letter is unsigned but is for and on behalf of Aegis Ltd

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Ah, they sent me an email this morning.

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Dotty, I got a call from RMA today. I also have had no reply to my CCA and they just sent me my SAR so I know they have no enforceable agreement (it was an application form without any credit limit amount).

 

Thanks for posting up your letter, and Rev.ian, I will work out what to send MBNA now!

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Well my letter got to someone as I have received a reply as follows:-

 

'Thanks for getting in touch about the customer service recently received. It is something we take very seriously and we're sorry to hear it wasn't up to scratch on this occasion.

 

We're currently looking into the matter and promise to get back to you with a full response in writing by August 10th 2009'.

 

I find this a bit of a strange response but at least I got something and wait in anticipation for 10th August to arrive!

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Hi Anyone,

 

Have been away for a couple of weeks, still no reply to CCA request but constant calls from them (glad I don't have their phone bill to pay)!

 

Well I called them, (yes I know I shouldn't) the lady that answered said "Are you calling to make a payment?" "No" said I.

 

I was then transferred to a different dept and the person I spoke to advised that nothing showing on their system for the letters that I have sent (surprise, surprise) he gave me another address, just a different PO box number. He didn't question anything, I just said I would only deal in writing, so have sent copies of all my letters (3) today and given them 30 days to reply.

 

He said it can take up to 14 days to get letters scanned on to their system! Expect they have quite a lot!!!!

 

Shame!

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Well, no reply yet, just usual statement with late fees!

 

No calls though

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Goodness! A letter, this may become of value so I will handle it with care!

 

'Apologies for the delay in responding to you; however our investigations are taking longer than anticipated. We will issue a response by 7th September 2009'.

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