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thinkb4

MBNA Reston's Event Driven Debt Collection Invasion of your previacy

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I am pretty sure that the 'event' driven debt collection method used by MBNA / Reston's solicitors is illegal. My understanding is once the Bank give Reston's the go ahead to harass you for money one of the many tools they use to upset you so much that you pay them whatever they ask for is to monitor evry financial transaction you make.

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By linking into real time credit referance agency systems they can tell what money you took out from which cash point instantly. They can tell what transaction you did for example at supermarkets, petrol stations , online . They can tell what bills you paid, how much fuel you use (Gas, Electric). In fact they can account for every penny of your money.

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They use this information to decide how you should live for example if they think you are keeping your home to warm (large gas bill) then they decide that you could pay them more by turning down the heat. If they think you spend too much at a supermarket they can ask you to pay more to them and buy less/cheaper food.

This is a direct impact on your personal information without your permission.

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Don't rush for litigation thaough unless you have a lot of spare cash. The FOS know about this and have said they will not regulate it. Tradeing standards know about this and have said they will take no action. District Judge J of Aldershot and Farnham megistrates court did not even want to listen to the case or see the evidance , he just found in favour of MBNA/Restons with his eyes fully closed. The Data controller does not care and at least some MP's are happy its not happening to them.

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My solution, if Reston's have your account try and work in CASH. If its not electric they can not use their event driven debt collection systems.

 

Just to remind every one of the shamefull state of our justice system.

District Judge J sitting at Aldershot and Farnham County court awarded the American Bank MBNA and Reston's a charging order against my home.

 

In awarding the charging order the Judge declined to take into account all the circumstances in my case.

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1) I had only missed one payment from an agreement I had with MBNA Bank. Legally this is not enough for a charging order and the Judge knew or aught to have known this.

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2) I had offered to pay of the full debt in four months and allready paid the first month prior to the hearing for a full charging order. The money was guranteed by my brother inlaw. the judge ignored this.

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3) I am dissabled and my home has been adapted with Chair Lift, low toilet, handrails, ramps at the doors, emergency assistance alarms. Forcing me to sell my home would put my life at risk. The Judge refused to look at the medical evidance.

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4) The ammount being claimed by the Bank was in dispute and with CAB we had made a counter claim in the small claims court. The Judge should not have made a judgement without the exact debt being settled first.The Judge knew or aught to have knownthis was breech of procedure.

 

There is allso no doubt the Judge knows that I can appeal but he knew that I probably could not afford an appeal

 

Well if this story was ment to freighten off consumers from seeking compensation from the Banks then MBNA/Restons and the district Judge got it wrong again.

 

My brother in law has just won £80,0000 on the lottery today. We have agreed to go to a reputable city firm of barristers with a view to seek compensation for a misscariage of justice and to persue for damages against MBNA Bank since they are responsible for Reston's solicitors.

 

Every one should continue to campaign for their own cases especially aginst unfair and unjustified costs and charges.

Edited by thinkb4

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