Very strange behaviour from MBNA

[Hussy786]

Hi All

 

Update here

 

MBNA has written me letter sayibg if I dont settle arrears they will pass me to DCA .no mention of CCA request NOt a word about account in dispute letter?

 

any thoughts?

have they got nothing against me ?

what should I do?

help pleeeeeeeeeease.

[Coactum]

Hi Hussy786,

 

I'd guess that the letter is yet another of their standard letters that the system keeps churning out and that if you are lucky another department will be dealing with your CCA.

 

As you know my CCA requests were simply ignored and looking through my own case it struck me that they have a well oiled machine that auto dials your phone number and sends begging letters but no such efficiency at dealing with any real communication.

[Hussy786]

Hi Coactum

 

Thank you for your reply. Lol

I am agreed.

Interestingly enough as i dont answer phone calls they have stopped .I dont know how long for but at the moment it is complete piece.

Will keep you upated .

[Coactum]

The whole phone call bit is very strange. If you refer to my thread http://www.consumeractiongroup.co.uk/forum/general-debt-issues/203269-introduction-background-my-debts.html you will see that I resorted to sending high pitched feedback down the line and that seemed to work.

 

Ever since they defaulted my accounts the calls have stopped.

[Coactum]

A fresh letter from Experto Credite today stating their surprise that I have not been in touch to arrange a payment plan.

 

Strange that they totally ignore my letter repudiating the account!

[GamekeeperToPoacher]

Hi,

 

As I understand it there are a number of cases which are going before a senior judge soon which IMHO should reinforce the current situation.

 

I believe that MBNA has made a commercial decision not to store documents in the past and that it is now coming back to bite them!

 

Whenever a creditor makes an offer of a significant discount, in its first threatogram, I am minded that they are aware they are on a hiding to nothing.

 

My attitude is now to refuse to pass security and to say "I am happy to discuss anything you wish with a judge only - take me to court if you believe that you have any chance of success!"

 

As yet no one has taken up the offer.

 

GK

[Coactum]

Your approach is admerable GamekeeperToPoacher but in the meantime a default sits on the account.

 

I have just been turned down for a job. It was a senior post and both interviews went exceptionally well, the latter of which lasted half a day. I'm of the opinion that if they ran a credit check they would be deeply conserned with my report.

 

That is why I'm trying to have the defaults removed even if that does mean I have to restore some sort of payment plan.

 

In this case however MBNA have failed to show any evidence that an Agreement exists between us and therefore should not have sold it on.

[Hussy786]

Hi all

 

I have received the leter from Optima Legal threatingning they are acting on behalf of their client (MBNA) and if I donot sort the issue with MBNA they will get a charge order against me.

I am advised by them to contact immediately to MBNA and sort the issue ASAP for my convienance they have printed on back of their letter income/expenditure form.

They also said no need to contact them (Optima Legal) direct but to contact MBNA.

This morning i received a letter of MBNA trying to help and pay the balance (which is half now ) in 3 months etc otherwise legal action etc.

Please advise as I am completely baffled .

please help what should I do (got no money to pay them as laid of from job as well ).

Help

[pompeyfaith]

hehe Optima again DO NOT WORRY ABOUT THEM go to search above type in Help go to my thread and read from page 65 PF

[pompeyfaith]

it is most important that u now file safely every document from optima i would also scan to PC and store on photobucket.com

[Coactum]

Hi Hussy786, as a general rule of thumb I'd resist giving collection agents any information because whatever you do they will undoubtedly use it against you at some time. For example you refer to a charging order; well by giving income/expenditure you might be asked to enclose a wage slip and in so doing tell them exactly where they need to go to attach your wages!

 

Either reply stating why you are not paying or reply referring them back to their client who you may have previously given details to. Make them work to get any data out of you and be cautious with whatever you offer.

[pompeyfaith]

optima are not a debt collecter they are solicitors bankrolled by a very big PLC namely Capita

[Coactum]

optima are not a debt collecter they are solicitors bankrolled by a very big PLC namely Capita

 

All the more reason to tell then nothing of value!

[pompeyfaith]

indeed specially reguarding income none of there business but i was trying to make u aware of the company u are dealing with because they will start court proceedings

[Hussy786]

Thank you all .

You all are great and inspiration and give me courage.

would Optima start legal proceedings?

[pompeyfaith]

going by part cases and my own they will after 3 letter demands but do not worry they usually make a balls up of the litigation hence why i said arm yourself with the info on my thread

[pompeyfaith]

as i said before from page 65 very useful

[WelshMam2009]

Does anyone know anything about the scanning process??

 

Would they have scanned the front and back of the application form simultaneously??

 

Your agreement Coactum is similar to mine in that the back appears to be a "flipped" copy of the front. Look at the black edge along the bottom.

 

Unless these were scanned simultaneously, then you wouldn't expect them to be at exactly the same angle, would you??

 

I've also read somewhere about a company employee admitting that they only scanned the fronts (don't think it was MBNA though) but that seems logical to me. I don't think they would ever have dreamt of the day when consumers such as us started challenging their agreements!!

 

It would also be useful to know if they have any image editing software in their offices such as Photoshop!!

[Coactum]

I think you have a very valid point WelshMam2009 insofar as they probably only scan the front cover. To be frank I'd probably do the same. The data that changes is what you want to save every time all the standard stuff is the same for everyone so why bother scanning over and over. Mind you all it takes is for one of their staff to say they were scanned at the same time and we would have a devil of a job to prove otherwise!

[WelshMam2009]

I think you have a very valid point WelshMam2009 insofar as they probably only scan the front cover. To be frank I'd probably do the same. The data that changes is what you want to save every time all the standard stuff is the same for everyone so why bother scanning over and over. Mind you all it takes is for one of their staff to say they were scanned at the same time and we would have a devil of a job to prove otherwise!

 

Agreed, but they would also have to prove that such technology (duplex scanners??) both existed and were used.

 

I'm not saying that they didn't, because I honestly don't know. But bearing in mind a lot of these agreements are up to 15 years old, I have my doubts!!

[blueotter]

Any updates people ? I'm going to update my thread later as there have been some interesting developments on the part of mbna,still getting bombarded with phone calls and the like though !

[Coactum]

Hi blueotter, I have nothing to report. All has gone very quite. Somehow I suspect this is the lull before the storm!

[MeeBroke]

Hi blueotter, I have nothing to report. All has gone very quite. Somehow I suspect this is the lull before the storm!

 

 

I have to add here that things have gone totally silent for me for weeks and weeks as well. Wonder if they're in a phase of seeking further legal advice?

[Coactum]

All hell broke loose today. Not from MBNA, but CapQuest (on behalf of Abbey), Clarity (on behalf of Citi) and Blair Oliver & Scott (for Halifax).

[exchange]

What happened!? Lot's of phone calls or more than that?