mbna cc cca

[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

[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

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

[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

[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...

[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 ....

[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...

[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

[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

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....................

[SXGuy]

Re: mbna cc cca

Most will say don't bother checking credit reports until your 6 years in from a default, as it can alert creditors to activity and you will get bombarded with letters, but its up to you, personally, I wouldn't bother, not much to see when you know your credit is shot anyway.

[MrsD]

Re: mbna cc cca

not really much point if your report is buggered it's buggered for 6 years, so I can see no fascination in looking at it. It appears to be stressing you, so if it is stressing, don't look. You'll live without credit, I know this absolutely.

I take the view of let's get through to the SB, then I know my dates and if any bampot has buggered up I will fix them then, when I am 100% safe from any retribution.

Personally we never expect to need credit again.

[tobyjug]

Re: mbna cc cca

hi all,
ok I see your point and yes it does stress me out, so I wont bother in future
cheers
Tobyjug x

[Pixie]

Re: mbna cc cca

I haven't looked at mine for 3 years.

[Never-In-Doubt]

Re: mbna cc cca

Oscar will know those codes. PM him a link here and say niddy says it time to do some bloody work