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MBNA debt, arrears


Gerry952
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I have had na MBNA card for more than 15 yrs, for the first time ever 6 months ago I stopped making payment due to financial difficulties, amount currently outstanding is GBP 1,700, I had a phone call from MBNA a few days ago at my work place (I dont know where they got the number from) and they threatened me that if I didnt make a payment of outstanding amounts overdue approx GBP 350, they would sell my debt to a third party, I tried to reason with them, and they asked me what was the minimum payment I could make, I told them nothing at the moment, they then suggested GBP 45 p.m, and that had to be made this month. I have been living in Spain for the last 10 years and have been making payments by bank transfer frm my Spanish bank account. Please advice, thank you

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Are you working for the same company as when you entered into the agreement ? If so then you would almost certainly have given them employment details!

 

If not, then perhaps you have given your employment details for another contract you have entered into and it is likely this information has ended up with the credit reference agencies.

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3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Gerry

 

Have you been Mis-sold PPI on the account? If you have you can claim that back over 6 years plus with interest.

Have you had Penalty Charges added? you can claim them back with interest, again they can be claimed back over 6 years plus with interest.

 

Have a read of 1,2,3 and 7 in my signature.

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I have had na MBNA card for more than 15 yrs, for the first time ever 6 months ago I stopped making payment due to financial difficulties, amount currently outstanding is GBP 1,700, I had a phone call from MBNA a few days ago at my work place (I dont know where they got the number from) and they threatened me that if I didnt make a payment of outstanding amounts overdue approx GBP 350, they would sell my debt to a third party, I tried to reason with them, and they asked me what was the minimum payment I could make, I told them nothing at the moment, they then suggested GBP 45 p.m, and that had to be made this month. I have been living in Spain for the last 10 years and have been making payments by bank transfer frm my Spanish bank account. Please advice, thank you

 

Well they should not contact you at work unless you specifically allow them to.

 

You should also write to them demanding that they contact you only in writing. Do not speak to them on the phone. There is a template letter in the library:

 

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

Have you requested a copy of your agreement. CCA 1974 s78 request. Also template letter in the Library.

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

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  • 2 weeks later...

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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