Revenge needed against mbna

[Arwen]

Hello,

 

Just about got my blood pressure down after last night.

 

Received another haressment call from MBNA last night at 8.30.

 

Slight change in tactics, softley softley approach. No security checks nothing.. He just said my name like he knew me and of course I answered speaking and that was the start of the conversation. He kept on saying what could he do to help me and kept on repeating himself, He then asked for for a payment of £27.50 to stop the account being defaulted and sold. I told him to do this as I was not prepared to give them anymore money. Oh then he turned nasty and told me that MBNA would put a charging order on my house, OH dear:eek: .

 

I imformed him that at this present time they could not actually do this. The account would have to be defaulted and then they would have to take me to court, and the fact that I had acknowledged the debt to them and had made regular monthly payments to them would actually be taken into account.

 

Then he got really nasty and ensured me that he would personally ensure that a charging order would be put on my house.

 

I am now in the process of complaining by letter to Mr W Waring regarding these haressment calls and have also written to my MP. I have e-mailed battleaxe (the saint) with my complaint.

 

Who else due I inform? anybody

 

Can I just say that MBNA talk a lot of crap.I had one client that owed them 17 GRAND and they refused to take him to court. He is in Scotland, and was waiting for Court Action to prove his apparent insolvency for bankruptcy. They wouldn't do it.

 

Eventually he got ****ed off and signed a Trust Deed for peace. MBNA never replied.

 

THis is just one case, and I won't say that MBNA won't take people to court,cos they might.However they seem to bump their gums a lot and do sod all.

[steven4064]

Advertisement

 

please read http://www.consumeractiongroup.co.uk/forum/mbna/169889-harassment-mbna.html

[yogiyogi]

If everybody goes to google and search for Credit Card, this will list MBNA as a sponsored link, if you click on this it will cost them over 1 quid at a time.

 

It will also mess with there marketing strategy - ****ing on the marketing on the internet.

 

In the long run this will stop them advertising on google and getting new customers.

 

I've already cost them a fiver:D:D:D:D:D:D

[Fred Bassett]

If everybody goes to google and search for Credit Card, this will list MBNA as a sponsored link, if you click on this it will cost them over 1 quid at a time.

 

It will also mess with there marketing strategy - ****ing on the marketing on the internet.

 

In the long run this will stop them advertising on google and getting new customers.

 

I've already cost them a fiver:D:D:D:D:D:D

 

Nice idea but they're not in the sponsored links (.co.uk), so I clicked Capital 1 instead.

 

Regards.

 

Fred

[underdog13]

just google mbna - that brings up a sponsored link - I've been doing this for weeks via 'click now' which raises money for charity - I figure I'm doing two bits of good with one click:D;)

[hellhasnofury]

Well Well Well,

 

There has been letters flying to and fro between myself and Equidebt.

 

They have done the debt is not void and outstanding etc and will not remove the default etc etc.

 

They offered to settle for a quarter of the alleged amount and mark the default and settled:eek:

 

Wrote a strong letter back attaching a statutory section 10 under the dpa.

 

Received a letter today stating in summary, we have closed our files. You should not hear from us again and we have requested your credit file is amended and the default is removed.

 

Wonder how I will respond to that one:-D

 

Thank you for your letter:lol:

[banker_rhymes_with]

Hello HHNF!

 

Received a letter today stating in summary, we have closed our files. You should not hear from us again and we have requested your credit file is amended and the default is removed.

 

Well, looks like you owe Santa an extra Mince Pie and a much larger Glass of Sherry!

 

Merry Christmas!

 

Cheers,

BRW

[hellhasnofury]

Hello HHNF!

 

 

 

Well, looks like you owe Santa an extra Mince Pie and a much larger Glass of Sherry!

 

Merry Christmas!

 

Cheers,

BRW

 

Many thanks BRW:-D

 

Yes it has taken a good few months and many letters, but yes what a result:grin:

 

My good fortune has nothing to do with Santa (but won't hedge my bets) I think it is to do with the Feng Shui 3 legged toad (chinese good fortune frog) I placed at my front door last week.

 

Well you have to try any which way you can:lol::lol:

 

Have not quite finished with them yet though:wink:

[banker_rhymes_with]

Hello HHNF!

 

Have not quite finished with them yet though

 

I bet you haven't either.

 

Please leave a bit for the rest of us!

 

Cheers,

BRW

[underdog13]

Well Well Well,

 

There has been letters flying to and fro between myself and Equidebt.

 

They have done the debt is not void and outstanding etc and will not remove the default etc etc.

 

They offered to settle for a quarter of the alleged amount and mark the default and settled:eek:

 

Wrote a strong letter back attaching a statutory section 10 under the Data Protection Act.

 

Received a letter today stating in summary, we have closed our files. You should not hear from us again and we have requested your credit file is amended and the default is removed.

 

Wonder how I will respond to that one:-D

 

Thank you for your letter:lol:

 

 

Blimey:eek: Miracles do happen at christmas!

 

Congratulations HHNF. Merry christmas and a happy and prosperous new year to you and everyone on the thread:)

[hellhasnofury]

Blimey:eek: Miracles do happen at christmas!

 

Congratulations HHNF. Merry christmas and a happy and prosperous new year to you and everyone on the thread:)

 

Yes indeed they do

 

My face is sore from smiling:D Yes I really do look like this:D

 

Merry xmas to:-D you too

[underdog13]

Yes indeed they do

 

My face is sore from smiling:D Yes I really do look like this:D

 

Just don't ride a bike for the next few days - you'll get bugs in your teeth:)

 

Just read back through the whole thread to refresh my goldfish memory; was there never an agreement signed in the first place? Or did the original cred destroy it when they sold it on?

 

I only ask as I've got two accounts that were sold to MBNA by HBOS. MBNA have admitted to me that they do have and have never had my application/agreement and have written to HBOS requesting it and will send it on if they get it. Do they have the legal right to collect on a debt without a signed contract from the debtor? 'Cos they've been doing so for 2-3 years....

[hellhasnofury]

Yes indeed they do

 

My face is sore from smiling:D Yes I really do look like this:D

 

Just don't ride a bike for the next few days - you'll get bugs in your teeth:)

 

Just read back through the whole thread to refresh my goldfish memory; was there never an agreement signed in the first place? Or did the original cred destroy it when they sold it on?

 

I only ask as I've got two accounts that were sold to MBNA by HBOS. MBNA have admitted to me that they do have and have never had my application/agreement and have written to HBOS requesting it and will send it on if they get it. Do they have the legal right to collect on a debt without a signed contract from the debtor? 'Cos they've been doing so for 2-3 years....

 

Hello,

 

No there never was a credit agreement forwarded to me by MBNA, I am off the belief that they acquired it from robert fleming, when they collapsed:eek: but to be honest it was so long ago, I am not 100% sure.

 

I would certainly be questioning the legality of this, if they don't have your credit agreement how can they ask for payments.

 

Are you paying them?????

 

I am having a bit of a ding dong with ge money, who received payments from myself under the mistaken belief that I had a contractual obligation to pay them. I now feel otherwise after they cannot produce a valid ca from themselves or the original lender.

 

They now have issued their final response and will not discuss the matter any further, so in the new year, court proceedings will be issued:-D.

 

It is only a small amount of money, the money is not important, its the unlawfull activies of these companies that is important. Ge money who have never had a credit agreement, defaulted me and sold the account of £54 to a dca.

 

They need to take responsibility for their actions:-D

[fedup74]

Good news- what you deserve for your perseverance!! I'm going after MBNA myself so I was heartened to read your story. Well done:)

[underdog13]

Thanks HHNF; I was more or less thinking along the same lines - no signed agreement, no contract, no right to collect. Have now stopped payments.

 

A strongly worded letter and a SAR will be winging it's way to MBNA in the new year:D

 

Wholeheartedly agree with you about their appalling behaviour and holding them to account. With a bit of luck we will be able to give them a head ache that has nothing to do with a hangover;)

[sunflower99]

Hi Hellhasnofury!

Well done! it is so encouraging seeing someone getting the better of MBNA:DMerry Christmas!

[citizenB]

Hi Hellhasnofury!

Well done! it is so encouraging seeing someone getting the better of MBNA:DMerry Christmas!

 

And a Happy New Year

[Muffintop]

Yes indeed they do

 

My face is sore from smiling:D Yes I really do look like this:D

 

Just don't ride a bike for the next few days - you'll get bugs in your teeth:)

 

Just read back through the whole thread to refresh my goldfish memory; was there never an agreement signed in the first place? Or did the original cred destroy it when they sold it on?

 

I only ask as I've got two accounts that were sold to MBNA by HBOS. MBNA have admitted to me that they do have and have never had my application/agreement and have written to HBOS requesting it and will send it on if they get it. Do they have the legal right to collect on a debt without a signed contract from the debtor? 'Cos they've been doing so for 2-3 years....

 

Were your credit cards taken out with mbna? as you mention that they were sold to mbna, does this mean your took out credit cards with hbos (halifax?) and they sold them to another credit card company, dead confused on this one... my cards as you know are with mbna

Muffintop

[underdog13]

Hi Muffintop,

Yes two of my cards were originally taken out with HBOS - who then sold the accounts to MBNA.

 

I've got another two cards that were taken out directly with MBNA, though. So ended up with four MBNA cards altogether.

 

Hope that clears up any confusion:)

[Muffintop]

thanks very green didnt realise that other credit cards bought debts from each other.

[underdog13]

Hi Muffintop; card accounts are sold from one cred to another quite often.

 

Wonder if their reason for sale could have anything to do with knowing their agreements are duff?

[steven4064]

Wonder if their reason for sale could have anything to do with knowing their agreements are duff?

THe CCA says they still have toproduce them, though

[happyandy]

need revenge on mbna

[underdog13]

Welcome to the club and to CAG:)

[steven4064]

Hi happy Andy

 

We could do with a few more details