MBNA ex HFC Bank

[Miss Strawberry]

I have sent the CCA`s request to MBNA and have had no response other than the fact they are chasing me for money.

 

MBNA took over my card last year from HFC (Beneficial Bank)

 

How should I proceed?

[cerberusalert]

If the 12 working days they are allowed has passed send them this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

[Miss Strawberry]

Hi, yes have sent that and has made no difference.

[cerberusalert]

Did you send it recorded delivery & is it MBNA still chasing?

[Miss Strawberry]

Yes sent by recorderd, they have signed for it and it is MBNA

[cerberusalert]

Are they 'phoning or writing?

[Miss Strawberry]

they were phoning, but have now stopped as I kept saying the same thing, that I need a copy of the original agreement, the only thing in writing other than monthly satement is a default notice and saying in arrears.

[cerberusalert]

Can you scan the default notice, remove personal details & post it up?

 

As they are not 'phoning anymore there's nothing much can be done as the are not harassing you & as for the letters, it keeps the postmen in work.

[Miss Strawberry]

ok will scan at work, and post in the next couple of days - but what is the situation if they just keep sending statements? or is it a waiting game, other than sorting out the default notices? Thanks again

[cerberusalert]

It's a waiting game really, MBNA are one of the most tenacious and aggressive of creditors, but luckily being a' Merkins they are not the brightest.

 

With luck they will have messed up over the default notice.