MBNA - say defaulted me but send a default notice???

[tranders]

Hi WTWT - I got one of those from EC as well - Oh what a tangled web MBNA/Varde/EC are weaving

[willtheywontthey]

It seems the MBNA are accustomed to paying me £300 each time correspondence gets lost / goes elsewhere. Perhaps it's only because the first time I wrote to my MP mentioning the SAR mess-up and their never-ending phone calls. Since then they've been behaving (until recently).

[willtheywontthey]

Scenario:

 

SAR brings in usual data and statements for say 6 years but account opened before that - say 8 or 10.. You complain to OC that they've only given 6 years worth of info. The OC then replies we've only got 6 years worth of data (via ICO complaint usually).....

 

so in court does a 'gap' of years in statements complicate matters when an OC tries to justify you must have had an agreement as you spent it etc.... and what of a recon. when they have stated they only have docs from last 6 years? they cannot possibly have the original then can they (imagine they're also not answering that CUPTR question!)???

 

so - does the fact an OC admits they only have data going back 6 years, when account opened 6+++ years previously, help if taken to court?(Ignoring all other issues for now - keeping it simplish!)

[PriorityOne]

Oh my God..... is it possible for anyone to tie themselves up in so many knots on so many threads...?

 

I need a lie down.....

 

[willtheywontthey]

what's wrong with this one now!?

[willtheywontthey]

Ok - I won;t call it a scenario 'cos you don't like those!

 

Real situation then

 

An OC admits they only have 6 yrs worth of records / data / statements - the account started 10 years ago. How can they provide a proper recon then?

[PriorityOne]

Ok - I won;t call it a scenario 'cos you don't like those!

 

Real situation then

 

An OC admits they only have 6 yrs worth of records / data / statements - the account started 10 years ago. How can they provide a proper recon then?

 

They can't (IMO).... because they have no original to compare it with.

[willtheywontthey]

see.... you can do it!

 

thanks

[PriorityOne]

see.... you can do it!

 

thanks

 

I'm much better with reality.....

[willtheywontthey]

I appreciate that it's just that if you do a scenario then you don;t have to mention which OC and which DCA and all of that pullavah......

[PriorityOne]

I appreciate that it's just that if you do a scenario then you don;t have to mention which OC and which DCA and all of that pullavah......

 

At this stage, it doesn't matter.... many people are faced with the same kind of behaviour from these companies anyway.

 

[cerberusalert]

If they've destroyed the information which is older than six years they will have to produce a data destruction certificate under the Data Protection Act.

[willtheywontthey]

oooh - tell me more?! What if they never were the ones who had the account in first place eg a&l then MBNA then another - (not DCA buying but company changing names and merging etc etc)

 

xx

[PriorityOne]

oooh - tell me more?! What if they never were the ones who had the account in first place eg a&l then MBNA then another - (not DCA buying but company changing names and merging etc etc)

 

xx

 

Then it sounds like a mess.... lol

[cerberusalert]

Under the Data Protection Act any data has to be securely deleted and a 'Data Destruction Certificate' has to be issued detailing the destruction. see; http://www.governmenttechnology.co.uk/features2/item/2619-avoiding-the-pitfalls-of-data-destruction

[dx100uk]

god how can one person have soooooooooo many hyperthectical question threads.

 

dx