My Credit card dramas..

[choco]

Hey peeps

 

I just posted in the abbey forum and they directed me here. I intend to start claiming back my credit card charges once I get my fat check from Natwest, but currently am in financial difficulty and I have to send letters to my creditors offering them measley monthly payments, like what the debt consolidation crew do! anyway what I want to know is, will sending such a letter to Abbey/MBNA prior to trying to claim back my charges jeopardise any chances of getting them back?

[ladybird17]

can you PM a Moderator & get your threads merged? Otherwise it will get extremely confusng for you.

[kippy2]

ladybird its ok choco only made one post in the abbey forum.

[choco]

I was just about to say that, and I have come off that topic now in the abbey forum

[ladybird17]

so which one should I be replying to? - I've just answered your question on your Abbey thread

[choco]

well this one seeing as I was advised to come here, but I replied to your response anyways

[ladybird17]

ok I'll stick this one then!

[dpick]

Hey peeps

 

I just posted in the abbey forum and they directed me here. I intend to start claiming back my credit card charges once I get my fat check from Natwest, but currently am in financial difficulty and I have to send letters to my creditors offering them measley monthly payments, like what the debt consolidation crew do! anyway what I want to know is, will sending such a letter to Abbey/MBNA prior to trying to claim back my charges jeopardise any chances of getting them back?

 

hi choco I don't know about abbey but the MBNA are pigs to deal with I am with a debt management program and though they arranged with MBNA to freeze interest and stop charges in September 2006 I was still getting phone calls from MBNA and the troglodytes in india in middle of December before they stopped the calls. I have since started claim against them but as you will find from threads in MBNA forum the left hand does not know what the right hand etc, and no problems apart from the usually delaying tactics.

 

dpick:evil:

[kippy2]

so which one should I be replying to? - I've just answered your question on your Abbey thread

 

sorry prob my fault thought better for choco start a thread in mbna.

[ladybird17]

well I'm rapping your knuckles then Kimmy! No probs - this happens when posts cross.

[choco]

sorry prob my fault thought better for choco start a thread in mbna.

 

no not at all it was a good thing you pointed me in the right direction, it makes it easier anyway as im getting the answers i need!

[kippy2]

well I'm rapping your knuckles then Kimmy! No probs - this happens when posts cross.

 

och they really hurt!

 

choco glad you getting the answers/help you need.

[choco]

hi choco I don't know about abbey but the MBNA are pigs to deal with I am with a debt management program and though they arranged with MBNA to freeze interest and stop charges in September 2006 I was still getting phone calls from MBNA and the troglodytes in india in middle of December before they stopped the calls. I have since started claim against them but as you will find from threads in MBNA forum the left hand does not know what the right hand etc, and no problems apart from the usually delaying tactics.

 

dpick:evil:

 

jeez!! Its like this with a lot of companies though and its not until you start writing letters to the big wigs and keeping track of peopls names etc do you get any progress!! I dunno.... Well I'm not going thru a debt management comp, decided to be my own boss, it seems to be working with getting my $$$ back from Natwest anyway! lol

I'm going to see how I get on with them agreeing to what I offer them in terms of payments, I dont think then i'll stick the boat out just yet and claim back my charges, these people seem to be a lot harder to deal with and I need to ahve the time and commitment to take it all the way if they are as difficult as you guys say they are

[ladybird17]

yes they are absolutely so and so's, but stick with it, join the MBNA gang, and we DO have a bit of fun on our threads, so it lightens the load a bit.

[choco]

i feel defeated already!! lol not really but i must admit I will not be attempting this one just as yet, i think ill save it til last..

[empowered]

chicken!!

[choco]

I know!! but I can only handle one at a time! lemme see how i get on with natwest then i'll come back to this, this will need my undivided attention!

[kippy2]

hi choco dont give up. how far are you with natwest?

 

at least get the ball rolling with mbna. quite a few people have 3 or 4 on the go. just means you have to be organised.

[choco]

Oh i got a terrible letter from natwest last night its just thrown me right off, but once i get all the neccessary letters sent to them on Tuesday, then I think I will start with my credit cards!!

[ladybird17]

what was the letter?

[empowered]

LB -love the avatar!

[ladybird17]

thankyou!! - I was bored this afternoon, so being completely non pc-literate, I wondered if I could get myself one, and hey ho ...I did!!

[Cornucopia]

thankyou!! - I was bored this afternoon, so being completely non pc-literate, I wondered if I could get myself one, and hey ho ...I did!!

 

Hee hee, so did I!

[choco]

what was the letter?

 

well nastywest have forwarded my accounts to the collections department, they want me to make arrangements to pay back thte OD in 28 days and in the meantime I cannot use the accounts, they stopped my direct debits and I have to return my cards etc!!! They're such b******!!!!

 

Anyway posted it in my thread and I got some useful advise as always so now i feel a whole lot better, but you know when you feel like it all happens at once, my internet got disconeected the same day and about 5 other bad things happened at once I felt so depressed!

 

ps like the avator - i wonder where you got the inspiration from.....!!

[ladybird17]

yeh know what you mean Choco - the older I get the more those sort of days seem to happen!

 

The inspiration for my avatar, actually, came from an ex-man of mine!!