Mbna Making Husband Ill

[LEYLA]

Daughter got the pumpkin postcard, hadn't a clue who it was from until we got follow up threatening and agressive telephone message which sounded as if the person was speaking with their lips glued around the 'phone mouthpiece ( a bit when like when I went to an Elton John concert and couldn't hear a word he was singing due to his lips being glued to microphone!) Ring on doorbell at 9pm last night gave us pause for thought but think it must have been late trick or treater. Think MBNA must be staffed by failed actors from gangster movies!

 

Sorry for delay in responding. Been away a few days baby sitting.

For Goodness Sake - What do these goons think they're playing at?

I've never known anything so ridiculous from a supposed reputable company. Although I did laugh about the postcard (trying to find humour wherever I can at the moment). It almost boils down to anonymous hate mail or prank callers doesn't it? I'm sure there must be some legislation that clearly outlines the necessity for these people to identify themselves properly. I wonder if that might be another rule breaker to hold up to MBNA!!

[dpick]

Sorry for delay in responding. Been away a few days baby sitting.

For Goodness Sake - What do these goons think they're playing at?

I've never known anything so ridiculous from a supposed reputable company. Although I did laugh about the postcard (trying to find humour wherever I can at the moment). It almost boils down to anonymous hate mail or prank callers doesn't it? I'm sure there must be some legislation that clearly outlines the necessity for these people to identify themselves properly. I wonder if that might be another rule breaker to hold up to MBNA!!

 

Hi LEYLA they don't know or care about OFT664 sections 2.1 and 2.2 c etc.

 

2.1 It is unfair to communicate, in whatever form, with consumers in an unclear, inaccurate or misleading manner.

 

2.2 Examples of unfair practices are as follows:

 

c. those contacting debtors not making clear who they are, who

they work for, what their role is, what the purpose of the

contact is.

 

all the more evidence of the conduct of these twits.

 

all the best dpick:)

[LEYLA]

dpick - what a star you are!

Wish I could retain as much knowledge as you seem to. I read through various threads, acts etc, but half the time when I need it, can't recall where I've actually seen it!!

 

Mbna have been very busy this week. Several messages left on voicemail, urging hubbie to contact them asap as things now at vital stage, and they haven't heard from him in a long time (hello - plenty letters been coming your way)!

Also received first class today a pink letter with IMMINENT COURT ACTION please read this letter very carefully.

 

Doesn't look as though last letter to customer advocate did much good. Do you think they put any info on their computer systems or notify their various departments? I'm begining to wonder if most correspondence just hits the shredder pile.

Leyla

[dpick]

Hi Leyla you are now finding what a load of crap MBNA really are I have been after them declaring that the agreement they sent me is unenforceable and reclaiming charges since I joined CAG at the start of this year. As you are now learning we gain knowledge very quickly. If I had just been going after charges MBNA would have settled by now but trying to get them to even acknowledge they do not have an enforceable agreement is another matter. I am now on my second court case with MBNA the first to get them to comply with S.A.R - (Subject Access Request) and now the second to have the agreement declared unenforceable s127(3) etc with refund of charges to be paid direct to me, they have till 4pm today to file and serve me with their defence

 

If you follow this link to my thread you will see that I have had help from many friends on CAG it's a case of learn as you go and pass it on.

 

http://www.consumeractiongroup.co.uk/forum/mbna/69982-dpick-mbna-capital-one.html?highlight=dpick

 

all the best dpick:)

[LEYLA]

Further letters from mbna.

 

Still doesn't answer anything asked of them. Further copy of their latest agreement terms.

 

Then today received this:-

 

Would accept number 3 if we had the money, but as we don't it's NO GO!!

 

I intend to go ahead with complaint to ombudsman. Is there any other authority that should be informed? I understand trading standards aren't worth going through.

 

LEYLA

[Alphageek]

Hi Leyla - I thought I was reading my own thread while I was looking over your story.

 

TS are a joke, you're right.

 

I hope by now you have learned to just laugh at this bunch of jokers. Don't let them get to you.

 

Issue court proceedings against them to get rid of them out of your life once and for all.

 

Keep at 'em!

[dpick]

Hi Layla it would seem you have at least a couple more options every time they add a charge add it to your spreadsheet and sent it the spreadsheet to MBNA with an invoice (no names but their is a pep who has been doing this now every month for the last year) or as I have done take MBNA to court re declare agreement unenforceable and refund of charges and interest applied to those charges.

 

all the best dpick:)

[LEYLA]

Been a while since I've been online. Have just lost our baby Grandson (stillborn) and his funeral was yesterday. Trying to get some normality back, although head still not totally "with it" - (probably nothing new!!).

 

Anyway, a quick update on MBNA front. Received statements yesterday along with letter offering hubby "a gesture of goodwill £128". Apparrently, a cheque will be sent within next ten days, and they trust this will close the matter.

I don't think so somehow!! Haven't started adding amounts up yet, but suspect it's way off the mark.

LEYLA

[Alphageek]

Been a while since I've been online. Have just lost our baby Grandson (stillborn) and his funeral was yesterday.

 

So sorry to hear that news.

[crash3903]

You know this reminds me of a time when I had the same problem after a divorce - I was trying to get myself back on the straight and narrow and MBNA called me constantly - Despite having agreed to pay back a fixed sum, they even called me at work and would not go away!

 

I eventually cleared the balance and I asked for a final statement. Never received it after a few days so what did I do? Called them constantly 3 times a day (like they did to me - recordings available) and they responded eventually saying

 

"Mr R, you have been told you will receive your statement at the end of the month (this was the 3rd day), please do not call us constantly as we are not able speed this up, if you do we will have no option but to report your constant telephone harassment to the Police"

 

My response?

 

"Now you know what it is like to be called constantly only to say the same thing time and again - Oh and don't bother ringing the police cos they won't be interested, how do I know? Cos I am one!"

 

Made me feel better if nothing else lol :lol:

 

Sorry to hear about your grandson Such an awful tragedy at any time but especially this time of the year - My thoughts are with you guys

 

Regards

 

Mark

[Goldlady]

Hi Leyla, just to say how sorry I am about your grandson. Makes you realise what is important in this world - and what definitely is not.

 

Keep on battling girl.

 

And Crash I like your style. Turning the tables on them. Excellent plan. I haven't heard from MBNA for almost a year now after they failed to find my agreement.

[LEYLA]

Thanks guys for all your kind wishes. It certainly does put everything into perspective. We are very lucky in having a lovely family who have all supported each other and been together over Christmas. We've managed to make it as much fun as poss for the other little ones, and for us they were the main consideration!

 

Anyway back to MBNA:-x Have had problems with doing spreadsheets (done a few months ago for Halifax). Although I have the new Vista and microsoft works, haven't got a clue how to go about it with them.

I previously downloaded from this site onto old computer and didn't have any difficulty because it was templated. Can't seem to do it this time. Could this be because programme is incompatable?

Also didn't previously add on any interest, as only totalled amount and sent with prelim letter. Had read that you should only add on the interest at court stage! Can anyone help or advise this computer illiterate dim-wit:confused: ??

With Christmas Blessings and good wishes for New Year to one and all.

LEYLA

[LEYLA]

Been in battle with computer all afternoon, and finally managed to download the Simple version spreadsheet which only gives the 8% interest. Have used this for my Capital One spreadsheet, but got another question on MBNA!

 

Statements from 2001 - Feb 2004 are with another bank who then transferred to MBNA on different account numbers. Am I right to assume that MBNA still have an obligation to honour the charges even though they are not original creditors? If so, do I need to split the accounts onto two spread sheets or do they go onto one under the MBNA account number?

Would be grateful for your help, so I can get this off my mind and posted away asap.

LEYLA

[steven4064]

Just go with MBNA for now. When they bought the business they bought not just the assets but the liabilities as well,so yes, they have the responsibility (IMO).

[Goldlady]

Hi Leyla I would agree that MBNA should be held responsible for all the charges.

 

Glad you had a good Christmas - it is amazing how making it all right for the kids helps, whatever cr*p the world is throwing at you. Two years ago my friends had a whip round to buy pressies for my kids cos we were up the creek, facing repossession and all sorts. It made me cry lots, how kind people could be.

 

All the best for 2008 - it can only get better:D

[LEYLA]

Hi Guys,

Here we go again! Would really value some help. As always, easily confused (as you know) but this lot have got me totally lost!!

Received this today:-

 

Firstly, what does it mean by updating the personal data?

Why are there now two companies involved?

UNBELIEVABLE!!

The account was in dispute from July.

Accepted £128 as partial payment only and sent SAR at begining of Jan.

So what now? Do I still go ahead with LBA to MBNA, or do I just deal with this lot?

I'm assuming it might be a start by sending CCA, but to which one?

 

LEYLA

[humbleman]

LEYLA

 

I'd be very tempted and write to them saying you have assigned this disputed debt to Mr Gorboschgs Sunny lane MosCOW Russia. They will probably write to say you can't do that and you'd say yes I can until you prove otherwise, so they would need an agreement.LOL

[steven4064]

I still think you should send the LBA to MBNA. Send a CCA to all of them - if nothing else it will rattle the cages - something may fall out (excuse mixed metaphore )

[LEYLA]

:D Love it humbleman. My sides are sore from laughing.

 

:idea: I'm thinking we could cash in on the script writers strike in USA, and use all this as a plot for a comedy show. Reckon we'd have a massive hit on our hands.

Nobody could write this madness!!

LEYLA

[Alphageek]

In the style of the old Ealing Comedies.

[steven4064]

Leyla

 

I noticed acouple of posts ago that you said the account was in dispute. Have you already sent a CCA request to one (or more) of the companies involved?

[LEYLA]

Hi Steven,

 

Yes, I sent CCA to Gobal Vantedge Private Ltd - Post 9. Then to Global and MBNA in August.

MBNA continually arguing that they have sent all documents requested, and that they conform - as usual it would seem we have differing opinions on that one!!

In the end have sent SAR and got £128 before even prelim letter sent.

Now this letter and default over weekend.

 

LEYLA

[Alphageek]

Leyla, there is a nice letter you can send to them re the default notice on my thread here.

 

It was written by pt2537 when I asked for help in this thread.

[LEYLA]

Thanks Alphageek.

There are so many clever people around this site aren't there?

 

Do you think I should send a copy to MBNA and to Arrow Global (along with CCA to Arrow)?

Getting a bit complicated with all these companies popping up?

 

LEYLA

[Goldlady]

And they will probably all register a default - my MBNA debt was passed around so much I had four defaults all for the same amount at one point - I am now back down to one:D