MBNA-Global Vantedge Phone Calls

[Mitch524]

Yesterday I received 6 phone calls from MBNA/Global Vantedge all rejected of course.

MBNA still haven't returned the CCA's I requested and I only stopped paying them 2 weeks ago. Is this an Indication that the CCA's do not exist due to the fact that they have started harrasing me by phone so soon.

Is it now time to send the telephone letter ?

[Mitch524]

http://www.consumeractiongroup.co.uk/forum/dealing-debt-scotland/237546-mbna-global-vantedge-phone.html

 

Posted this in Dealing with Debt in Scotland section.

 

Thoughts anyone ?

[noddyaccount]

Yesterday I received 6 phone calls from MBNA/Global Vantedge all rejected of course.

MBNA still haven't returned the CCA's I requested and I only stopped paying them 2 weeks ago. Is this an Indication that the CCA's do not exist due to the fact that they have started harrasing me by phone so soon.

Is it now time to send the telephone letter ?

 

Probably more due to the missed payment , I do not know if they are smart enough to put 2 and 2 together that it is a cca issue . I would also send a data access request , see templates , to find out if there is an enforcable credit agreement on file .Send the telephone letter by all means if they are annoying you .

[Mitch524]

They have received the CCA requests as they sent me one out which did not match any I had asked for. I followed these requests up with Account in dispute letters and these have also been received by them.

I take it it's too early for phone call letter ?

[noddyaccount]

They have received the CCA requests as they sent me one out which did not match any I had asked for. I followed these requests up with Account in dispute letters and these have also been received by them.

I take it it's too early for phone call letter ?

 

Its never to early if you are communicating with them by other means , letters, if you are writing to them , surely there is nothing more to say .

[dpick]

Hi all that global disadvantage can see is a list of accounts and the amount of arrears with last payment date. They are not interested in anything other than getting the maximum amount of money from you that they can.

 

I just blocked the phone number for them.

 

dpick

[Mitch524]

Update on above still receiving phone calls but still ave not received CCA's that have been requested. Dispute letter also sent however this has been ignored and default letters have been received.

 

Next course of action ?

[Mitch524]

Need a bit of guidance here guys n gals follow link above thanks.

[saintly_1]

2 threads merged ...... please keep to one thread thanks

[LOVETHEBANKS]

CCA requests are generally a waste of time (i.m.o) and the best way for you to find out what MBNA have/dont have is to issue a S.A.R.

[Mitch524]

Does anyone know of a link to a template for a combined harassment letter along with an alternative to a CCA request as MBNA & Barclay card have sent nothing after a CCA request and a Dispute letter other than letters telling me that my accounts are in arrears which were sent second class I may add.

 

Thanks in advance.

[Mitch524]

MBNA/Virgin still sending out statements and adding interest after account being put in dispute back in December.

 

Should I resend dispute letter and follow up with SAR ?

[IdaInFife]

yes you can but this is how alot of the compaies play -

 

hw many payments you behind?

 

have they sent you a default notice?

 

have you looked at the mbna forums?

 

MBNA - The Consumer Forums

 

 

have you claimed back any credit charges that were before the £12 limit?

 

ida x

[Mitch524]

I am 3 payments behind and they have only sent threats of a default notice and passing it to DCA.

Haven't claimed back any charges yet will start ball rolling re SAR request at beginning next week.

I am just a bit cautious re claiming back charges if I am ultimately looking at the enforceability of the agreements.

I have looked at some of the threads in the MBNA forum. Will spend more time when possible.

 

Thanks Ida.

[Mitch524]

Default notices received for both cards today.

£10 and Subject Access Request on it's way.

[Mitch524]

Another letter received today via 2nd class post dated 12th February.

 

Claiming that they cannot help me if I don't reply to their letters or calls(NO chance). Threatening CCJ/SCD ,arresting of wages after court judgement, Bailiff, Charging order etc. etc. etc.

Mr Supple letter on way along the same lines regarding ignoring letters.

[IdaInFife]

ok so sar going

 

lol bailiff and charging orders - muppets,

 

can you scan up your default notices - deleting you personal info?

 

any PPI?

 

ida x

[Mitch524]

PPI on one card which I didn't CCA but don't know about other two.

From the one I know that there is PPI I don't recall any documents sent to me to sign regarding this all I remember doing is ticking the box.

[Mitch524]

MBNA making calls to my place of work. Eventually gave in and called them back and spoke to a charming lady who insisted I went through security before proceeding on this I declined and made it quite clear under current guidelines she was not in a position to call me at work and that the call was being recorded. She glossed over this fact and claimed that the call could go no further as I refused to go through security at this stage I reiterated that she was never to call me at work and details of all calls and messages left for me at work would be passed on to the FOS and OFT along with the recording of the call and messages left on my mobile at this she said that they would also pick up that I was being uncooperative. Priceless.

[happybutskint]

yesterday they told me it was impossible for them to stop ringing as they are an on line bank . As they have already misquoted one phone call on their records I'm not willing to do anything by phone so they have said they'll only stop hassling if I pay all my husbands arrears, despite having ppi to cover this ( which they cancelled when they had the letter telling them my husband was being made redundant and wanted to make a claim on his ppi ) What!!!

[Mitch524]

MBNA making calls to my place of work. Eventually gave in and called them back and spoke to a charming lady who insisted I went through security before proceeding on this I declined and made it quite clear under current guidelines she was not in a position to call me at work and that the call was being recorded. She glossed over this fact and claimed that the call could go no further as I refused to go through security at this stage I reiterated that she was never to call me at work and details of all calls and messages left for me at work would be passed on to the FOS and OFT along with the recording of the call and messages left on my mobile at this she said that they would also pick up that I was being uncooperative. Priceless.

 

Got call the other day as above at my place of work these calls need to go through a third party and I should only receive personal calls if of an emergency nature. Same charming lady as before who for some strange reason was happy to discuss matters without confirming who I was only asked if I was who I was. Again asked her to stop calling me at work and she claimed that if no calls to my home or mobile are returned in 3 days they have every right to call me at work. When I reiterated that I wanted her to stop calling me at work due to Data Protection she was non committed and said I might have someone else listening to use at witness. Would this not contradict the fact that I was challenging the breach of Data Protection due to the fact that a third party answered calls at my work and asks who is calling before passing the call. Is it me that's thick ? Or am I missing something ?

Is there anyway to stop these calls to my place of work ?

[stewpots]

Got call the other day as above at my place of work these calls need to go through a third party and I should only receive personal calls if of an emergency nature. Same charming lady as before who for some strange reason was happy to discuss matters without confirming who I was only asked if I was who I was. Again asked her to stop calling me at work and she claimed that if no calls to my home or mobile are returned in 3 days they have every right to call me at work. When I reiterated that I wanted her to stop calling me at work due to Data Protection she was non committed and said I might have someone else listening to use at witness. Would this not contradict the fact that I was challenging the breach of Data Protection due to the fact that a third party answered calls at my work and asks who is calling before passing the call. Is it me that's thick ? Or am I missing something ?

Is there anyway to stop these calls to my place of work ?

 

I dont follow this at all ?

 

You say your are ignoring there letters /calls else where ?

 

I'm paying MBNA £1 a month at present (no interest) £28,000 of debt with them

 

It took 'dialogue' lots of it.

[jamanji]

hi stewpot,

How did you get to pay them only £1 per month? Ive got 20K debt with mbna , was mis sold ppi with them and min payment 500 per month at present, cca,d them no reply, what next to get to your position ?

[Mitch524]

An update to where I am with theses guys.

Received a calling card from a DCA in Glasgow a bit close for comfort.

However letter going out asking if they have the required documentation i.e Compliant CCA and a letter of assignment from MBNA.

They will also receive a doorstep visit letter.

 

Any thoughts ?

[IdaInFife]

yes, you are doing the right thing