PRA Group want more money (Old MBNA) whilst on ESA

[dx100uk]

ok all good thanks.

 

that explains it - post apr 2007 then.

recon will do .

 

tell you what I would do next..

..send MBNA an SAR.

we need all the statements

as I bet theres something

like PENALTY £12 fees etc

or

PPI to be reclaimed here.

 

what is the other debt you mention too?

[mrpopperspenguins]

Email again from PRA asking why I have not sent back the incomings and outgoings paperwork they sent me.

 

They say my account is on hold (I am still paying the £10 a month)

I have established they owe the debt,

 

I just want to know what powers they have,

as this is making my illness worse,

there really is NO more cash,

 

can they take me to court for less than £600 and will they

 

I do not know what else to do

 

 

ive upped my meds to cope with the stress.

[dx100uk]

Email again from PRA asking why I have not sent back the incomings and outgoings paperwork they sent me.

 

They say my account is on hold (I am still paying the £10 a month) - keep doing that.

I have established they owe the debt,

 

I just want to know what powers they have, - no more than you or I

as this is making my illness worse,

there really is NO more cash,

 

can they take me to court for less than £600 and will they - yes they can, if they will - I don't have a crystal ball sadly

 

I do not know what else to do - stop getting wound up.

ive upped my meds to cope with the stress.

 

 

did you get that SAR running to MBNA?

[mrpopperspenguins]

did you get that SAR running to MBNA?

 

No my printer is broke i have no one to help me print it out, not sure i could write all that.

i have been left to get on with my own MH probs, outside seeing doc as and when, so i am not in a place to know what to do.

i just want them to get the message i have no more money no matter what they ask for.

[dx100uk]

they'll get that msg when you don't respond or even need too?

 

can you not use a penstick a a friends/group/library pc to print it

 

quicker you get all the statements

quicker I think we'll find they owe you more than you owe them!!

[mrpopperspenguins]

I have been trying to log into my account to pay my £10 monthly amount,

although I can log in it will not let me view my account,

make a payment or use their email contact form to ask them what is going on,

I just keep getting access denied...

 

The only line which seems open to me is to phone them, which I will not do.

I wonder if they are pushing me to make contact or could their site have a problem.

 

Sometimes it says server error but this has been going on for days - every other part of the site works.

[dx100uk]

do it by bacs and your interweb banking portal

[mrpopperspenguins]

do it by bacs and your interweb banking portal

 

Never thought of that - is it easy I know what bacs is if I go to my bank online will it tell me what to do.

[mrpopperspenguins]

Never thought of that - is it easy I know what bacs is if I go to my bank online will it tell me what to do.

I don't have their bank details so cannot do that.

I will send a cheque to cover this payment - little late but at least I have paid.

 

If they have stopped my online payment, and the fact they keep pestering for more money I am going to look at harassment.

[dx100uk]

pleae don't send a cheque

no need tooo..

 

 

you don't need their bank details

most banks intereweb site have drop down lists you select creditors from.

so pay bills section

credit cards

find MBNA

all you need is your [MBNA]card number

that's the reference number you use.

 

 

that's now I pay all my bills

don't have any DD's set up

or ring anyone or goto any other sites

and input my card details either.

 

 

that way

anything goes wrong

its MY banks at error and you can get it back ..

[mrpopperspenguins]

Spoke to my bank and I have set up a standing order for the £10 a month with this they cannot take more than the agreed amount without my authorization.

 

If they are trying to make me default or get in contact with them then at least I can say I have kept up my payments.

 

I have the emails I sent them asking why they have denied me access to my online account which they neve replied to (before they denied me access to their email account).

 

I know I might have done wrong in paying them but I have to keep life as simple as possible it;s the only way I can handle my illness.

 

See what they come up with next, but at least I can keep all this proof as to my harrassment claim if needed.

[mrpopperspenguins]

After they stopped me paying online last year (they said they were overhauling the site)

I set up a standing order which has/is being paid.

 

PRA keep emailing me to say they cannot trace the first two payments, (well they left the account)

I suggested they contact my bank and find out where they went (surely this is their problem not mine)

Since then they have been hassling me,

 

 

today they have threatened to take further action (action over what I am not sure)

my bank statements show the money left the account, which is the amount agreed by PRA.

 

I have told them no phone calls, (to which they seem to ignore and keep saying they are trying to contact me) well if they are they leave no message, so is this a lie.

 

Due I ignore the threat of further action, I AM PAYING - what more can I do.

 

Please any help,

as I cannot cope with the emails going over the same thing time and time again,

I know what they are up to,

they hope I will cave in and offer more,

but there is NO MORE.

 

Is there a ombudsman or something, as I am meeting their agreed payment.

 

Thank You.

[dx100uk]

well bounce the emails then click ignore

 

 

you need to get an sar running to MBNA

else this will go on as you are letting a DCA walk all over you.

[mrpopperspenguins]

I did that months ago paperwork to CAB and established PRA bought the debt and that I need to make the payments, which I am doing (as stated in email).

[dx100uk]

did what?

 

so you have the sar data from mbna?

 

if you blocked emails

why are you still getting threats that are winding you up.....

[mrpopperspenguins]

I never said I blocked the emails,

I just want to know who is responsible for finding the money they say they never received from my bank, them or me.

I can prove if needs be that the money left the account.

 

They have said if I do not reply to them either by phone or email they will find another way to contact me,

this can only mean a house visit (can they do this).

 

I don't want to play games I just need to know what 'rights' they have if any.

 

Thanks

[dx100uk]

well you should block them.

you are responsible to find the money its yours..

go ring your bank and ask them to recall the payments.

 

 

doesn't matter if they threaten/make a home visit

they are NOT BAILIFFS

and you can the police on 101 if they do that.