MBNA Phone harassment to a critically Ill OAP

[Dicky Ticker]

Just to let you that there is no depths MBNA will not sink to!

I have a heart defect which requires high levels of medication and a heart pacemaker. MBNA are aware of my condition but are still phoning me up to 5 times a week (52 since the beginning of June) My partner has been answering my calls for me. Last week they phoned and asked for me she told them I was unwell and was in hospital (I was actually in for a heart scan) to day we had two calls asking was I out of hospital yet?!

My complaint/dispute is with FOS,which MBNA are aware of.

So good people please can you make others aware of the e petiton by Chris Lucas on No 10.com

Please do what you can to stop this harassment before this Evil company (*****) someone

Please also read Blog Dealing with debt (MBNA dept collection) and also thread on this site (I worked for MBNA)

Edited August 14, 2009 by Dicky Ticker

[cerberusalert]

 

Make a complaint to your local trading standards & the OFT with regards to their harassment and threats, they are in clear breach of OFT guidelines & CPUT ;

 

Consumer Direct - Contact us

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/DebtCollectionComplaintForm.DOC

 

The Office of Fair Trading: Contact us

 

[email protected]

tel: 020 7211 5823

 

The Office of Fair Trading: Debt collection practices

 

http://oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

[pedross]

Welcome DT

 

Someone once said a problem shared is a problem halved.

 

You will be surprised with how many people you are sharing your problem with on this forum and many will have already experienced this harassment. That should help you dilute it!

 

You seem pretty chilled about it anyway and I know it is difficult when the phone keeps ringing and you feel stressed about it but you can easily put the phone down. I can honestly say that I have known more than one person over the years who due to loneliness would have given their right arm for the phone to ring.

 

Keep up the good work and bring it to peoples attention it is a worthwhile cause.

 

Thank you for your contribution.

 

Pedross

[Dicky Ticker]

Thanks cerberusalert

I have taken your advice and downloaded the OFT complaints form.

My main concern is for other people who are unaware of this wonderful site and the MBNA Harassment Petition to No 10. Please you internet wizards get the message out on the net about this evil company they have to be stopped!!!

[pedross]

Welcome again DT

 

You should pay more attention to your own health in view of the points you made in your post. You should not take it so personal with MBNA.

Edited August 14, 2009 by pedross

[Mrs E Blackadder]

Last year my child kept getting calls on their mobile from MBNA asking for someone we had never heard of. I only knew it was MBNA because of checking on the internet and finding the number and loads of complaints on a phone site. I took to answering the calls, and at first was polite and explained that the phone belonged to a child so would they please stop calling it. My final 'conversation' with them (after a couple of weeks of trying to get them to stop) resulted in me screaming at them that I had told them several times that the phone belonged to a child so to stop ringing it, how effing stupid were they, any further attempts to call would be treated as harrassment of a minor and legal action would be taken and, oh by the way, yes I did know that they were MBNA despite the fact they had never actually admitted to it because I had looked on the internet for their phone number and found loads of complaints about them. Whoever was calling must have been a bit stunned because they said nothing at all and when I asked if they had understand one single thing I had said they just hung up! Shame really, because I was only just getting going . That, however, did seem to get through to them because we haven't had a single call since and that must be almost a year ago.

[Dicky Ticker]

Hi

Please do not tell me not to take it out on MNBA till you and others hear the full story

In 2004 after long periods of unemployment and a failed business venture I was in debt to the value of £21000. In march I started a full time job with a reasonable salary for a (62 year old) In April I suffered a Stroke and they discovered I had a heart defect which required high levels of medication to control the company kept me on and I decided to to take out a Payplan DMP with my 9 creditors and 7 agreed to reduced payments and froze interest and charges. MBNA Loans demanded an increase of £22 a month and MBNA credit cards took the payment and then added over double the amount in charges and interest. all requests to stop this from Payplan and myself were totally ignored.(in otherwords MBNA refused to enter into the DMP!!!)

Anyway after 2 years of paying two thirds of of my monthly income to my creditors via payplan I paid off over £13000 of my Debt. In 2006 due to my heart condition worsening I had to have a pacemaker fitted.In that same year my company lost major contracts and had to make me redundent.And as I had worked for just less than 2 years there was no redundency payment.

And after taking advice from from Payplan I approached all my creditors and made arrangements to pay off my debt with them and obviously these are now DCA's and I am now down to 2 and I owe £700 total.

I have had to deal with about 12 different DCA's over the last 5 years and they can be very nasty people!!

I have paid off £18000 of £21000 in 5 years under very difficult conditions so please dont tell me not to blame MBNA!!!!! everything bad you read about MBNA is true!!!

[Dicky Ticker]

Hi MRS E BLACKADDER thank you for input it shows how this company debt collection is totally out of control and how the business ethics and integrity lays in the narrow gap between "AMERICAN GANGSTER" and "BACK STREET LOAN SHARK" and by the way my last reply was directed at PEDROSS not you

Edited August 19, 2009 by Dicky Ticker

[pedross]

Obviously that explains why you feel the way you do about MBNA and my best wishes go out to you, it has been difficult.

 

I was not defending MBNA at all, or saying don't blame them, in fact I am in battle with them myself in no small way. You will also know if you have read through the forum that there are a lot of people on here giving MBNA a hard time and I am sure it will get a lot worse for them.

 

I was trying to point out that you are not alone with MBNA problems and as you have almost resolved your own you can encourage others without the personal stress.

[Dicky Ticker]

hi PEDROSS Thank you, obiviously a misunderstanding on my part and its nice to know our Army grows. And I apologise for my reply,but you can see my anger at someone who trebles your debt while its under a dmp.

again thank you.

Edited August 19, 2009 by Dicky Ticker

[Mrs E Blackadder]

Hi DT, I don't know if my input helped at all, but I thought it would show that these people are like a dog with a bone and they just don't give up. In my case I suppose they just had to admit defeat as it was pretty obvious that I was a somewhat angry mother!

 

It isn't just MBNA though. I have spent the past 2-3 years running the gauntlet of debt collectors and bailiffs all looking for my ex. Interestingly enough, the only one who has actually believed that my ex is no longer here was the county court bailiff who said that he was sorry to have bothered me and would not be back to harrass me. He also gave me some good advice and told me to contact his office if anyone claiming to be a bailiff should turn up. So they're not all bad!

 

Otherwise though, I really think it is just a case of constantly reinforcing that you do not discuss personal matters over the phone and putting the phone down on them. I know it isn't easy to begin with and you feel rude doing it, but just remember that they have absolutely no qualms whatsoever about hassling you, so you have every right to just hang up. I felt quite justified in giving them a major ear bashing, after all I had given them plenty of warnings over the course of a week or so and my child was beginning to get quite annoyed that it wasn't their friends calling . Actually, perhaps I should have let them talk to my child. 5 minutes of discussing last nights tv and the latest computer game would have been enough to stop them phoning anyone, anywhere, ever again lol.