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Miss Strawberry
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This has been going on now for approx 6 months - I have sent MBNA various letters (recommended on this site) asking for a copy of my signed agreement - nothing has materialised. They will not be able to provide one because I have never signed one - my agreement was with Beneficial Bank and MBNA took over. Anyway, I have spoken to them today (as they sent me a postcard telling me they were going to call me this week) - I have asked again for my agreement and I was advised that I needed to write in (enclosing a £1.00) - I explained that I have already done that back in May. Apparently, I had written to the wrong address!!! and it was my responsibility to phone MBNA to get the correct address!! I have also been advised that there will be a default placed on my account at the end of this month if I do not make a payment. They have also checked my other loans (apparently) as he tells me that I do not have any other defaults (can they legally do this?) and they cannot put a charge on a property as I don't own one!

He has given me the address to write to ask for my agreement - I am getting really frustrated by all this as I know they are not going to be able to supply me with the agreement and they tell me that once they have supplied my agreement, they are able to go down any route they choose to get their money - is this right? Any thoughts please or advice?

Finally, MBNA tell me that there has been a ruling in the courts a couple of weeks ago and that credit card agreements are enforceable - I haven't heard anything about this - has anyone else?

Many thanks

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Moved to General Debt Forum.

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Well they gota produce the agreement which i doubt they will, as mbna are known for buying up credit from others companies.

 

It fails to amaze me why the original crediter does not get a signed document from the lender agreeing to the debt being transfered under the new lenders terms and conditions.

 

Its not hard is it.

 

PF

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This has been going on now for approx 6 months - I have sent MBNA various letters (recommended on this site) asking for a copy of my signed agreement - nothing has materialised. They will not be able to provide one because I have never signed one - my agreement was with Beneficial Bank and MBNA took over. Anyway, I have spoken to them today (as they sent me a postcard telling me they were going to call me this week) - I have asked again for my agreement and I was advised that I needed to write in (enclosing a £1.00) - I explained that I have already done that back in May. Apparently, I had written to the wrong address!!! and it was my responsibility to phone MBNA to get the correct address!! I have also been advised that there will be a default placed on my account at the end of this month if I do not make a payment. They have also checked my other loans (apparently) as he tells me that I do not have any other defaults (can they legally do this?) and they cannot put a charge on a property as I don't own one!

He has given me the address to write to ask for my agreement - I am getting really frustrated by all this as I know they are not going to be able to supply me with the agreement and they tell me that once they have supplied my agreement, they are able to go down any route they choose to get their money - is this right? Any thoughts please or advice?

Finally, MBNA tell me that there has been a ruling in the courts a couple of weeks ago and that credit card agreements are enforceable - I haven't heard anything about this - has anyone else?

Many thanks

 

a prime example of why one should NEVER talk to anyone regarding monetary/debt issues on the phone.

 

demand everything in writing

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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a prime example of why one should NEVER talk to anyone regarding monetary/debt issues on the phone.

 

demand everything in writing

 

dx

 

I have got everything in writing - as per the letters on this forum, but they keep calling and I keep telling them the same things. I only asked for help - not being made to feel like I have done something terrible

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nasty beggers

 

just refuse to ans the security questions

they'll soon get the msg.......

 

as for the rest of the rubbish they sprout, i bet thats not in writing.

 

ok well CCA time and then sit back and wait fot its failure

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Miss Strawberry

 

The best way is to not answer any calls from them as they only want you to pay over the phone, if they do catch you out just refuse to give them any security information.

 

Always correspond in writing and send any letters recorded delivery and print one out for your records with the Post Office receipt clipped to your copy and when you track it on Royal mails website you can write on the receipt when it was signed for. Then when you follow up with another letter you can state the date when any previous letters sent were signed for, this way they know you are recording your correspondence and it confirms your on the ball with them.

 

Use this address when sending any letters

 

MBNA Europe Bank

Customer Assistance Dept

Wrexham Road

Chester Business Park

Chester

CH4 9FB

 

 

Good luck and never let them get you down, its just a game :)

 

Gordy

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PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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