ist letter being sent

[mick094m]

Sending first LBA to mbna today recorded delivery will keep you informed,I put in the letter where it mentions, terms and conditions when opening the account, (with the Halifax) as that was whom I was with originally is that ok or shall I just stick to the letter as normal, As I have already told them that I did not sign any contract with them but with the Halifax, MBNA took over the account without my knowledge,they said that they informed me, but I did not receive any letter from them other than invoices and as they were from "British Heart Foundation" same as Halifax it was not until I received correspondence regarding charges that I realised what had happened,since then have taken the scissors to the card and will be returning it with the LBA

[bram stoker]

Hi. Was it this letter you sent http://www.consumeractiongroup.co.uk/forum/showthread.php?t=671?

 

Can you tell us what wording you used instead please?

[mick094m]

Hi

No it was the credit card template I downloaded

Mick

[bram stoker]

Terms of contract are the same in each. What wording did you use?

[mick094m]

Letter sent today recorded delivery first class

What I did were it refered to the terms and conditions I just put in brackets (The Halifax) as that was who My contract was with before MBNA took it from The Halifax,that has been my complaint with MBNA from the start they took over my account without informing me though they say they sent me a letter which I did not receive ,if I did I would have told them NO in no uncertain terms, I am noew writing to the Halifax who I bank with for an explanation. Mbna state in a lwetter to me that they (Halifax )no longer have a credit card ,which I find very hard to believe,and that was the reason for them taking over my account.

[mick094m]

Received letter from MBNA dated 11/5/2006 yesterday "Notice of proceedings from MBNA EBL",Then today got letter "requesting that I call them immediately".

This is despite my putting it in writing on numerous occassions "that I do not do phone calls". I prefer everything in writing, then there can be "no denials" if it is in black and white, as I have found in the past, phone calls can be denied , and I do not trust MBNA with phone calls.So will be writing to ask them if they don't understand "English" what language do they understand,I don't want to discuss the letters I have taken the time to "write" over a phone call,Don't think I am asking much for a written reply from them,if they have got nothing to hide whats the problem in that.

[bram stoker]

It is obvious that the banks misunderstand or blatently ignore half the things we ask of them.

 

Respond to the letter and explain again, refering to your previous letter where you stated communication must be in writing only, and try (difficult though it may be) to keep a polite tone to the letter.

 

What letter was this... "Notice of proceedings from MBNA EBL"?

[surreyscouse]

why are they issuing proceedings ? You lost me on that bit

[mick094m]

Surryscouse and Vampiress

Sorry for the delay in replying been busy with hospital appointments,in reply to your asking about details it is a long drawnout affair will post more later on

As a footnote I have just had an e-mail from them asking me to ring them "urgrntly", this has stoked the "flames", I have never ever e-mailed them so how did they get hold of my e-mail address is what I will be wanting to know off them

[surreyscouse]

Did you have online banking with them ?

[mick094m]

nope but will be having words with them and the Data Protection People the only e-mail I have sent was a complaint to the Heart Foundatiun which is on my card,or was on it it is in bits now

[mick094m]

Just found out that the e-mail I sent to the British Heart Foundation complaining about their associating with MBNA, was forwarded by them to MBNA is that legal or breaching the DATA Protection act

[surreyscouse]

Probably not. Their terms and conditions do normally say that they will share info with associated companies.

[mick094m]

This topic was closed on 10 March 2019.

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