@mbna MBNA / Bank of America

[eskimo123]

Hi,

 

Sent a CCA request to MBNA who i have been paying on a DMP with Stepchange 10 days ago, have just found my original welcome letter and it is with Bank Of America / Amazon. I have not had a reply as yet. Account opened in 2012.

Wondering if i should have sent the request to BOA rather than MBNA

 

Cheers

[dx100uk]

nope they were sold to MBNA some years ago

who are you paying MBNA still or a DCA?

[eskimo123]

Hi DX

Still paying MBNA, been 10 months in arrears now, surprised they have not defaulted yet, balance is £10,400.

[dx100uk]

this could be fun then...

[eskimo123]

DX, you have my attention,

i was considering cancelling the DD to Stepchange which is due on the 1st just to provoke a default from them

however the DD payment also includes a payment to PRA who i have also sent a CCA to who have responded that they are looking.

Any advice?

dont want to make a payment if not necessary.

[dx100uk]

Carry on until they fail the cca 12+2 working day time limit if pra have it..it must already be defaulted?

[eskimo123]

DX, sorry think i have confused the thread, MBNA have not responded to my CCA request which is due on the 1st feb, but PRA who own my other card from Barclays which is defaulted are looking for the agreement but both are under a DMP run by Stepchange.

Apologies.

[eskimo123]

12+2 is up for MBNA,

have not received anything regarding the CCA but did get a Notice of sum in arrears from them this morning.

 

Spoke to Stepchange today asking what my options are regarding the DD payment, he was non committal and did say that the CCA request was not really relevant because i was making payments and so had admitted the debt was mine.

 

I have cancelled the DD and lets see where we go.

[dx100uk]

usual advice from them sadly

they nor none of the dmp people fee paying or otherwise will even check enforceability cause it cuts of the money they get from the OC's for signing people up to blindly paying.

 

dx

[eskimo123]

Update,

today i received the CCA from MBNA which i have uploaded,

expecting a response from MBNA soon because i have stopped payments to them through Step change,

have been in arrears for 10 months,

my account appears to be still available with a credit balance on it which is weird, they are not applying interest to the outstanding balance.

I dont know if it is significant but on page 5 my name and CC number is printed on the table of contents page which just looks odd.

That card number does not correspond to the number on page 24, i presume that is because MBNA bought the Amazon card and issued another card with a new number.

Getting the feeling that this is going to be enforceable,

dont understand why MBNA have not defaulted the account?

Any advice about the upload or what to expect next from MBNA appreciated.

Amazon CCA 09-02-2019.pdf

[dx100uk]

Is the agreement address correct for the date of sign up

[eskimo123]

Hi DX yes it is.

[dx100uk]

Ok..well wait for them to default you then resume payment.

Then pers i think a complaint might be in order then

 

How are they marking the credit file calendar section

[eskimo123]

Hi DX, just checked my Noddle acc and MBNA have registered a default on the 31/01/2019, previous to that they were marking it as BB for 8 months.

Presume me asking for a CCA has moved things along.

Will re-instate the payment to them next week.

[dx100uk]

don't sell yourself short!

 

have they frozen interest and charges?

[eskimo123]

DX, they stopped adding interest when i contacted them back in march 2018, i have never had charges added to the account, always made the min payment.

[dx100uk]

ok good

[eskimo123]

 

Update, have now received default notice from MBNA,

have now written a letter of complaint to them stating they  should have defaulted me much earlier in accordance with ICO guidance .

I missed a payment to them in Feb 2018 and have asked for it to be changed to May 2018 instead of Jan 2019.

I find it very odd that when you ask for a CCA from a company you find yourself defaulted and then sold on in quick time.

MBNA not sold me yet but feel the letter is in the post!

[eskimo123]

Yesterday i got a response from MBNA regarding my complaint,

however they sent the text message to my wife's phone!

i could have been awkward,

never give my correct phone number to any company and i certainly have not supplied my wife's number, where did they get it from?

To the best of my knowledge she does not have an account with them ...going to have to do some digging.

Also received a letter today stating they are investigating my complaint

[eskimo123]

today received another letter telling me they are investigating the complaint, this appears to have come from a different department and which i think reveals how they got my wife's mobile number.

All the info on the letter indicates that it has come from MBNA however on the back of the envelope the return address is LLoyds banking group,

now both my wife and i bank with Lloyds

i am guessing they have accessed our account info to get contact details, or am i just over thinking this.

Can anyone  comment on this with regards to the new Data laws?

[dx100uk]

id have to dig which I cant do at present

but if memory serves me right

BOA were/are administered in the UK by the Lloyds group.

[eskimo123]

Two days ago i get a letter from MBNA saying that as we haven't been able to agree a suitable repayment plan they have passed it over to Moorcroft and i should arrange payment with them. It was written in the stars.

 

Someone from somewhere keeps calling my wife on her mobile wanting to talk to me about my complaint but she is usually working in the NHS so cant talk and tells them to call later.

 

Today i get a letter of MBNA telling me that they have recorded my letter as a complaint in error and so have closed the complaint down and have passed the letter to a team best able to help!

I am speechless

[eskimo123]

This week received a letter from someone at MBNA  with a PO Box address for Lloyds Bank stating all kinds of nonsense that i had been making payments up until July 18 and then ceased payments and so the default date of January 2019 was correct and that they did not uphold my complaint.

 

Have responded to them with Step Change statements  showing payments made which disputes there claim,

 

also raised another complaint with them regarding  calls  and text messages to my wife's phone,

laid it on a bit thick,

they dont know my personal circumstances and it will give them something to do.

 

Feel pretty sure  the response will be the same but if i am annoying them by contesting their decisions and they have to do a little work it is only the cost of a stamp and i get a warm glow inside.

[eskimo123]

Update,

Lloyds responded apologising for the companies  misuse of my wife:s data,

just one of those things, hey ho, 

but still refused to back date the default notice.

 

I then contacted Stepchange to initiate a settlement agreement with both of my creditors for 40% of the outstanding amount.

Did not really expect a result because MBNA  had already told me twice that they dont enter into such agreements

surprise SC ring me to say that the figure has been accepted but the other creditor has refused.

 

Today i receive a letter from Moorcroft who are apparently collecting for MBNA although i have not replied to any of their letters thanking me for agreeing to pay £4000 per month for the next 6 months,  muppets, idiots, muppets.

 

Emailed SC today,,  bank holiday w/e.

Not much to do until Tuesday, If Moorcroft have taken the sum as a payment and not a settlement

spitting feathers does not come close.

[dx100uk]

well if you do settle

they MUST remove the whole account from all CRA providers

don't ever pay a dca anything

deal directly