MBNA / Arrow Global vs FOS?

[Scrappy Coco]

Re: MBNA / Arrow Global vs FOS?

Can someone please tell be how Niall Taylor, ombudsman and former branch manager at Alliance and Leicester is supposed to be a non biased individual making decisions based on the facts not the fiction MBNA have come up with?????

[Scrappy Coco]

Re: MBNA / Arrow Global vs FOS?

Evening all,

Well I knew it was to good too be true that finally FOS had actually got something right for a change. Arrived home today to a complete load of bullshit as per the norm.

Even after the OFT come down on MBNA like a ton of bricks the FOS still fuck everything up.

Looks like I might have a fight on my hands with this one.

I've sent to NID to hopefully get his help.

So to be clear for when you look at his provisional response

1. In September 2009, MBNA told Mrs W it would accept 25% of the outstanding balance - Incorrect for agreement for payments was made via telephone in July 09 for first payment to be made in August 2009. MBNA sent the letter in September with the August details on it. So unless they have a time machine it's bullshit.
2. Two payments made on specified dates. Further amount in early October - Incorrect, Attempted to make final payment on 26th October to be advised account already closed.
3. Wrote to MBNA as nobody would return my calls as I wanted answers.
4. I supplied the date, time and person who I spoke with and yet MBNA are unable to find the conversation. They can find all other information against me.
5. A few days later MBNA passed account for collection and registered the account in default on 30/10/2009 - Correct, didn't issue a default notice. Just advising this is what they would do in a letter doesn't mean anything unless they issue a vlaid DN. FOS seem to be somewhat confused and once again are letting financials breach statuary law.
6. 9th November MBNA issued a default notice giving until 26th November to pay approx £900 - Correct me if I am WRONG but can anyone else spot the mistake that has taken place here??? Default issued after account charged off and terminated. How the hell was I supposed to make payment on an account with a ZERO balance???? Breach of regulations???

The list goes on but another thing, MBNA are still in default of my CCA request from over 4 years ago. Wankers

Anyway make your own minds up as to what has occured here and I've currently lost the will to live.

I have until the 16th August to supply further information. Based on his initial findings what is the point? I could point out everything he has overlooked, incorrect assumptions and clear regulation breaches but would he take notice? I doubt it as I do believe he has been got to and that is why MBNA rejected the Adjudicators decision to give them time to go to work.

Thanks as always


Scrappy Coco

[vint1954]

Re: MBNA / Arrow Global vs FOS?

If they do not confirm, you can always confirm what they have said back to them in writing.

[greymatter]

Re: MBNA / Arrow Global vs FOS?

Great news!

[Scrappy Coco]

Re: MBNA / Arrow Global vs FOS?

Afternoon all,

Got a call this morning from Blake advising that they had informed their client not to proceed with this matter for the following reasons.

FOS (Adjudicator) has ruled in my favor
Default Notice is invalid and has broken Stat Regs
Account sold while in default of CCA request
Etc
Etc
Etc

Basically everthing I proved to them months ago in writing they have now acted on. Tossers.

Asked for confirmation in writing but I doubt I'll get anything from them so have drafted a letter requesting this info if not forthcoming in a few days.

They are awaiting their clients instructions once their client has spoken with MBNA

Thanks as always

Scrappy Coco

[MrsD]

Re: MBNA / Arrow Global vs FOS?

I know how it feels

I'm a very good ear ripper and I yearn occasionally to macerate a few ears but stick with the plan, in writing, papertrail papertrail papertrail

[Scrappy Coco]

Re: MBNA / Arrow Global vs FOS?

Thanks Mrs D,

I need a good telling off as I do get somewhat carried away.

If they don't want a gob full then don't call me and make threats they can't possibly back up.

Oh, and don't ever lie to me as I don't forget anything unless I've been out on the lash that is

I have provided everything to them in black and white yet they still seem to think I'm going to roll over and have my tummy tickled.

If FOS (who are in effect worse than useless) can see all the breaches and MBNA aren't being upfront with everything then how can a law firm think any differently???

MBNA can't seem to find the phone recording of the call to make final payment even though I have provided, date, time and advisor I spoke to. How bloody convienent for them???

It's beyond belief.

Oh and I've told them in writing only from now on - I've seen the light

Thanks as always

Scrappy Coco

[MrsD]

Re: MBNA / Arrow Global vs FOS?

normally Scrappy

I would say don't talk to them on the phone.................however................

I would imagine this unfortunate pair of wasters will be putting you on the

steer well clear list

this week's winner of the ear ripping prize - Scrappy

just remember you have no record of the call unless of course you did actually record it?

[Scrappy Coco]

Re: MBNA / Arrow Global vs FOS?

Evening all,

Had a call today from Blake Lapthorn basically advising that unless I send proof that the FOS as dealing with this matter their client has instructed them to start proceedings in 14 days.

WTF, why am I the one that is doing all the running around??

I asked why he hadn't sent this matter back to his client given all the breaches and the current circumstances as he advised me. He then went on to deny he ever said this. To which I replied would you swear on that in court as I have a recording (I haven't) but he went very quiet and transfered me to his manager. Gutless prick.

She then started with the usual bollocks and threats of court etc so I stopped her dead in her tracks and pointed out some serious flaws in her argument.

I also invited her to take me to court and lets see what my locla DJ has to say when he finds out the following:

1. Account sold while in default of CCA request - Open wide
2. MBNA renaged on a written agreement - No, wider
3. MBNA terminated & charged off account on agreed payment date - No even wider
4. Default notice sent two weeks after termination & charge off - abit wider if you don't mind
5. FOS ruled in my favour in round 1 - Need to open up just a little bit wider.
6. So many bloody breaches which one would you like me to tell the local DJ first with all the evidence you could ever wish for?? - That's wide enough, Boom take that you whore.

She then asked me if I could possibly please send them a copy so they could advise their client accordingly. What, like last time you lying cheating fucks.


Thanks as always


Scrappy Coco

[Scrappy Coco]

Re: MBNA / Arrow Global vs FOS?

Evening all,

Forgot to post Blakes letter the other day.

I haven't responded to them. If Arrow were quick enough to buy this account and TRY and make a healthy profit on it then Arrow can surely go back to MBNA and find out what exactly is going on with this matter.

At the very least I would of expected Blake to have contacted their client like they advised me and inform them this account could cause them somewhat of an issue at the very least.

Surely after seeing the account statement showing the termination and zero balance dated **/**/** and then the DN dated 2 weeks later would start the alarm bells ringing.

From what I have been reading Blake have dumped a few accounts and Arrow have appointed new solicitors.

I got everything crossed that for once the Ombudsman does his job correctly and agrees with the adjudicator. Nothing would give me more pleasure than calling up Arrow direct and telling them to remove their default immediately or trouble is coming their way.

GETTING AHEAD OF MYSELF.

Thanks as always

Scrappy Coco

[vint1954]

Re: MBNA / Arrow Global vs FOS?

Evening all,

Got a letter from Blake Lapthorn today asking for a copy of the adjudicator decision for their client.

I'm somewhat concerned about sending this information to be honest.

And if I'm really honest I'm somewhat paranoid about sending them anything as I wouldn't put it past them to nobble the Ombudsman and he overrules the adjudicator..

I have got the DN to fall back on should it all go tits up as that's as faulty as the day is long.

Do I send a copy? or do I email advising not really my problem talk to MBNA?

Any suggestions really welcome

Thanks as always

Scrappy Coco

Did you ask them why they wanted it?

If they will not respond, I would suggest that they contact their client or the adjudicator

[Scrappy Coco]

Re: MBNA / Arrow Global vs FOS?

Talk to MBNA tell them you do not do their bidding?

Cheers TC but I'm going to need help wording my reply as I'm sure there's rules & regulations being broke all over the place.

Default from MBNA & Arrow showing on all 3 CRA so I'd like to go back at them in such a way that they seriously tell their client to dump ASAP like I thought had had already done.

Bloody cheek of it though, asking me to do all the running around like I'm some sort of

Thanks as always

Scrappy Coco

[The Tech Clerk]

Re: MBNA / Arrow Global vs FOS?

Talk to MBNA tell them you do not do their bidding?

[Scrappy Coco]

Re: MBNA / Arrow Global vs FOS?

Evening all,

Got a letter from Blake Lapthorn today asking for a copy of the adjudicator decision for their client.

I'm somewhat concerned about sending this information to be honest.

And if I'm really honest I'm somewhat paranoid about sending them anything as I wouldn't put it past them to nobble the Ombudsman and he overrules the adjudicator..

I have got the DN to fall back on should it all go tits up as that's as faulty as the day is long.

Do I send a copy? or do I email advising not really my problem talk to MBNA?

Any suggestions really welcome

Thanks as always

Scrappy Coco

[Scrappy Coco]

Re: MBNA / Arrow Global vs FOS?

Afternoon all,

I have double checked both SAR's for any mention of this phantom letter MBNA say they sent me and there is absolutely nothing there at all.

No letter, no system notes nothing.

So it will be interesting to see what they come up with should the ombudsman overturn the adjudicators decision and then Arrow press for enforcement.

Thanks as always

Scrappy Coco