MBNA default notice

[Chilling]

Please I need help!!

 

I was given a default notice from MBNA in February 2019 and the amount on the default notice was paid within the time frame specified on the default notice.

 

suddenly I now received a letter today saying my credit agreement is cancelled and the need their money immediately. Also they mentioned a default will be registered on my credit file. I contacted MBNA and they said after paying the amount specified on the default on the last day but more payment was generated which should have been paid as well. 

 

I really don’t know where I stand and what I can do to stop the default registered against my name. I need help please.

 

Thank you 

[AndyOrch]

Hi and Welcome to CAG

 

They are wrong...you are only required to pay the amount stated on the default notice by the the date required (14 days from issuance) any further charges amount due should be reflected in your next statement.

 

Given that they intend to terminate the account they cant issue a further Default Notice if they  proceed......and they cant register the previous default because you paid the amount required.

 

They should reinstate the account...not register a default...if they do register the default you can take the matter up with the ICO and provide proof the DN was paid and the creditor is not entitled to register a default.

 

Was this the first instance or have you had previous default warnings  before Feb 2019 ?

 

Andy

[Chilling]

Hi Andy,

 

thank you you so much for putting my mind at rest.

 

to be honest this is the first time I received the default notice in February 2019 and amount stated on the DN was paid before the time specified on the letter.

 

If you have any information or process on how I can stop this from happening will really appreciate it.

 

thanks once again for your help. 

 

Regards,

Rob

[AndyOrch]

Best wait and see if they do actually register a default first or whether the phone jockey was making it up as he went.

[Chilling]

Thanks Andy