mbna cc cca

[blueforyou]

Re: mbna cc cca

How's it going TJ?

[tobyjug]

Re: mbna cc cca

Hi blueforyou, hope you are ok, sorry I haven't been on here, its been a bit mad here, I wasn't well and now we have had a death in the family.
anyway my OH rang the FOS to enquire for me and they said to write to MBNA and complain that my letter regarding interest has been ignored and give them the chance to reply... so I will be doing that this week and see what comes back and if they ignore that I will put a complaint in to the FOS.
Take care
Tobyjug x

[tobyjug]

Re: mbna cc cca

hi all, had a reply from complaints dept, in which they have said sorry for the calls as it was a mistake on their system and it has now been updated so I wont receive any more calls unless I don't reply to their letters etc. they also have said as I haven't rang them with a I&E they will still charge me interest and charges ( I did tell them that I have no income in my 1st letter as I have no job, so I didn't think and I&e would be of much use, plus I also said I wanted all contact to be in writing so I didn't want to call them on the phone) what shall I do.....
they have also stated that as far as they are concerned they have now exhausted their complaint process and this is their final response in the matter and if I don't like it I can go to the FOS within 6 months of this letter. I just don't understand how they think its ok to add more to the original amount owed so the debt just gets bigger and bigger and becomes even harder to pay off.

[vint1954]

Re: mbna cc cca

It is the game they play I'm afraid.

If you want to send them an I&E, contact UndercoverElsa. She has a brilliant form to send.

I will ask her to look by

[Undercover Elsa]

Re: mbna cc cca

You rang?

Hi TJ,
I could do with a bit more info to see the best way forward with this..
Do you receive any benefits at all?
Do you own or jointly own your house?
Do you own a car?
Any other debts in your name?
Are you concerned about your credit file? By all means make the complaint to FOS, but if that doesn't work, in reality the quickest way to get them to cease interest is to simply let them default and terminate you (by not paying anything). That way the default also drops off your file sooner. An AP (arrangement to pay) marker stays on forever, until usually 3 or 4 years after it's been paid and is not viewed that well by creditors.
Let me know your situation then I can help you with the letters if you wish

In the meantime, have a play with the Nedcab online I&E form:
North East Derbyshire Citizens Advice Bureau

As they're being pig headed about receiving an I&E, if you have zero income just fill it in as such and hopefully they'll then get the message, as they are currently using your failure to supply one as a lame excuse not to stop interest.

Elsa x

[tobyjug]

Re: mbna cc cca

thanks Elsa, have sent a pm to you
x

[vint1954]

Re: mbna cc cca

Thanks Elsa

[Undercover Elsa]

Re: mbna cc cca

Hi TJ,
How are you doing? Any response to the letter yet?

Elsa xx

[tobyjug]

Re: mbna cc cca

Hi Elsa,
I was going to send you a quick message yesterday to update you but i know your are busy so i thought i would wait until i got a response, as yet they have not replied, and i know it was signed for on the 12th so i know they have it. but i have not had this months statement either, what they did send me was a letter dated the 12th from R Fairhurst ( vice president) saying our records show that your account has exceeded my agreed limit for at least 3 consecutive months, and to please make a payment asap to clear the overlimit amount. ( which is now over £2000 )
they also said to stop my account balance increasing due to overlimit default charges, they have temporarily waived overlimit default charges on my account, and if my account balance stays below my credit limit and remains that way for 2 consecutive statements periods, this waiver will be removed and i will be charged overlimit default charges for subsequently going over my limit. ( this part made no sense to me as it sounds like they want me to keep to my credit limit and then they can charge me... or maybe i am reading it wrong) anyway i didnt think that this was a reponse letter as it makes no mention to the letter i sent to them and was dated the day they signed for my letter so didnt think they would of even read it the same day.
i also received my normal monthly email from customer services saying i have missed 4 payments and it suggests i am in financial difficulty, saying i need to fill in the I&E form or simply call us to discuss my options.
but thats all i have had up to now... post hasnt been yet though lol.
do you think i should send them a follow up letter just to say i still have not had a response, or should i just leave them to answer in thier own time.
cheers
Tobyjug x

[Undercover Elsa]

Re: mbna cc cca

Hi TJ,
Thanks for your PM
Don't worry, one way or another this interest will stop as they'll default/terminate the account when they aren't getting their contractual payment. We can argue about getting the interest they've applied since you informed them of your hardship later, once someone sentient takes notice of your situation.
For now if it was me I would resend the complaint letter with a brief cover note stating you have not yet had a response to your formal complaint of xxxx which they signed for on xxx, a copy of which is enclosed.
In the meantime keep paying them the £5 a month so you have the moral high ground.
Elsa xx

[tobyjug]

Re: mbna cc cca

Thanks Elsa,
will do, and I will update as soon as I hear anything.
cheers
TJ X

[tobyjug]

Re: mbna cc cca

Hi all,
just a quick update, still no response to my letter or the reminder letter I sent them but I have received today a letter from mbna telling me of imminent termination of my agreement as I have now missed 5 payments, and should they not hear from me, they will be sending me ( if not already sent) a default notice. if the default notice is not satisfied it could lead to the registration of a default notice with the credit reference agencies and action to recover the full outstanding debt.
it then goes on to ask am I in financial difficulties? and to help them understand I could ring them write to them, by return mail to: customer assistance mbna ebl po box 30 chester ch4 9fd. do they not read their mail !!!
it then says about other help and advice and then if the situation continues it says please understand it is important that we resolve this situation. and if they don't hear from me they will issue a Default Notice, and if I don't make the payment this requests, we may terminate the agreement. this means that, in addition to registering a default, they will will commence recovery action and seek payment of the full debt.
yours sincerely
Ben Erwin
Head of collection operations
so they still know I am here but don't seem to want to answer my letters, so I will file theirs and wait to see if a reply comes.

[blueforyou]

Re: mbna cc cca

Hi all,
just a quick update, still no response to my letter or the reminder letter I sent them but I have received today a letter from mbna telling me of imminent termination of my agreement as I have now missed 5 payments, and should they not hear from me, they will be sending me ( if not already sent) a default notice. if the default notice is not satisfied it could lead to the registration of a default notice with the credit reference agencies and action to recover the full outstanding debt.
it then goes on to ask am I in financial difficulties? and to help them understand I could ring them write to them, by return mail to: customer assistance mbna ebl po box 30 chester ch4 9fd. do they not read their mail !!!
it then says about other help and advice and then if the situation continues it says please understand it is important that we resolve this situation. and if they don't hear from me they will issue a Default Notice, and if I don't make the payment this requests, we may terminate the agreement. this means that, in addition to registering a default, they will will commence recovery action and seek payment of the full debt.
yours sincerely
Ben Erwin
Head of collection operations
so they still know I am here but don't seem to want to answer my letters, so I will file theirs and wait to see if a reply comes.

Sorry been away for so long. I'm in the same situation if you remember. Still NOTHING from DCA. Four months!

[vint1954]

Re: mbna cc cca

That's the way they behave. As Elsa says, they will default and terminate, so the interest will stop at that point.

I would give them 14 days from receipt to respond.

[tobyjug]

Re: mbna cc cca

Hi all
just thought I would send you a quick update, I have today received a reply from MBNA, its:
Thanking me for both my letters the 1st I sent beginning march, the 2nd I sent beginning of April ( the 1st one they didn't bother to reply to) . and telling me they sent me their final response back in February addressing the issues i raised in my complaint.( no they never addressed any issues they just said no, we will not help in anyway )
yours sincerely,
Gail Powell
Vice President


so they still don't want to help and are just not interested, what-so-ever !!!!!

TJ x