mbna cc cca

[tobyjug]

Re: mbna cc cca

Thanks MrsD that would be good, and the credit report is just the free one I seen talked about on here "Noddle", is it not good to be on it? they email me once a month to say a new report is here so I looked to see if I had a default. should I not bother with it?

Tobyjug x

they are possibly going to default and terminate the account Toby, which is good.

I would be keeping out of my credit report, no point if it's buggered, haven't looked at ours for over 3 years....................

[MrsD]

Re: mbna cc cca

they are possibly going to default and terminate the account Toby, which is good.

I would be keeping out of my credit report, no point if it's buggered, haven't looked at ours for over 3 years....................

[tobyjug]

Re: mbna cc cca

hi all
bit of info needed please...
just had a look on my credit file, and have noticed that at the start of june Bank of America ( sr) sb team has done a check on me saying it was a " Administration review " ..... now I know that's mbna but whats (sr) sb team? and why are they doing a credit check I don't want anymore credit, is this normal also they wrote to me back in may with a default notice that would be applied if I didn't pay up before the middle of may, I couldn't pay (other than my £5 per month) but still no default notice but still lots of interest being added each month. any thoughts anyone

Tobyjug x

[tobyjug]

Re: mbna cc cca

thanks chris and good to know.... every little helps

Withheld calls? You do know that any operator of an ACS has to display a CLI, that CLI may NOT be a premium rate number. Sadly I know the regs near on off-by-heart for #realjob.

Quote the OFCOM regs on silent/abandoned calls at them. Not much help but another stick to beat them with...

[SA Gold]

Re: mbna cc cca

Withheld calls? You do know that any operator of an ACS has to display a CLI, that CLI may NOT be a premium rate number. Sadly I know the regs near on off-by-heart for #realjob.

Quote the OFCOM regs on silent/abandoned calls at them. Not much help but another stick to beat them with...

That's useful to know Chris. As you say, something to hit the feckers back with ....

[EvilChris]

Re: mbna cc cca

Withheld calls? You do know that any operator of an ACS has to display a CLI, that CLI may NOT be a premium rate number. Sadly I know the regs near on off-by-heart for #realjob.

Quote the OFCOM regs on silent/abandoned calls at them. Not much help but another stick to beat them with...

[tobyjug]

Re: mbna cc cca

Hi All,
just a quick update, still not been defaulted and still sending statements with interest adding every month and they have also started ringing me again even thought they promised they would not .... they left me a message today asking me to ring them, but for some reason they only left half a phone number or my answer machine decided to stop recording half way through the message ........... no matter I don't get the calls anyway as withholds don't ring on my phone and go to the answer machine so think I will be sending them another harassment by telephone letter and remind them of their promise not to ring me
Tobyjug x

[tobyjug]

Re: mbna cc cca

Thanks Elsa,
and will do, hope you have a great bank holiday
take care
TJ x

[Undercover Elsa]

Re: mbna cc cca

Hi TJ
That's good in that the interest and charges will now stop.

Just hang fire for now and let them get on with it, but keep paying your £5 per month.

We'll write back to them after the termination outlining how they've continually said they will help and done absolutely nothing, when you've been open and honest about your situation. Then complain to the Financial Ombudsman if they don't agree to your token payment.

[tobyjug]

Re: mbna cc cca

Hi All,
just a very quick update, I received a default notice yesterday telling me that I need to pay xxxx.xx by the 20th of may or they are going to terminate my agreement and close my account and they may sell the debt or take me to court and get a charging order.

TJ x

[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

[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.

[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!

[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.

[tobyjug]

Re: mbna cc cca

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