TONKA v MBNA MONEYCLUB

[Tonka99]

Hi Slick & Maz

 

Question this default from Arrow is not the same one from MBNA

I do not owe either of these debts the amounts are not enough:eek:

 

I wonder if sending Arrow the copy of reply from MBNA will confuse

Arrow it sure has confused me:-?:-?:-?:-?

 

Tonks:)

[slick132]

........it sure has confused me:-?:-?:-?:-?

 

Clearly, it's confused me too !!

 

If the latest snotogram from Arrow has no connection with the other alleged MBNA debt, send the Prove It letter to Arrow but don't include copies of anything else.

 

I wonder if MBNA have bought a job-lot of debts and they're just trying their luck with peeps.

 

If Merlin contact you, send them the appropriate copy letters.

[Tonka99]

Hello All

 

Have sent Arrow and Marlin Prove it letters by recorded post

 

Cheers Tonks:)

[slick132]

Hey Tonks,

 

You must be keeping your local Post Office afloat with the postage you pay them.

[Tonka99]

Slick I need a bigger office now my files are exploading

the postoffice will not close while im still alive:p

[Tonka99]

Hi all

Update

 

Re Default issued from MBNA which i thought was not

mine , have received a reply by return almost it goes

like this :

"Dear Tonka

In your letter you advised that you dispute the debt

outstanding on your account ( No i said that i dont know

of any account with you with that account No)

I enclose copies of your statements from NOV 07-March08

In addition, I have also enclosed a copy of your original

application for the credit card signed by you.

 

From a reveiw of the notes on your account, I cannot find any

record of you contacting us at any time to dispute this debt.

It is the customers responsibilitly to check their statements

each month and notify us immediately if they dispute any of the

information contained in those statements. We have sent statements

to you each month at the above address.

 

It is possiable that the debt will be passed on to a third party for

recovery. I can only reiterate that the debt is not in dispute.

We have now exhausted our complaint process;therefore i must

inform you that this is our final response on the matter. If you remain

dissatisfied with this response you may refer your complaint to the

FOS with in six months of the date of this letter "

 

Well this works out to be my AOL account shall post further updates

on it .

 

Q If a Default came and you do not know the account no and as I

have done write and ask them to prove that the debt is mine will

that change the dates on the Default as it is due to take effect on

Tuesday

 

Thanks for looking in

 

Tonks

[slick132]

Hi Tonks,

 

I think I'm right in saying, if the a/c has any unlawful penalty chgs on it, the default can be challenged, as can any subsequent court action for a CCJ.

 

In answer to your Q, if you now recognise the a/c, even though it has another a/c no. for some obscure reason, you could write asking for time to check this out which could possibly delay the default notice (but it may not).

 

If you're aware of penalty chgs on the a/c, how about listing them ready for an SOC and reclaim when required.

 

Have you sent a CCA request for this one?

 

[Tonka99]

Hello

 

Update for this one

 

Had a letter today from Marlin Financial Services

 

We have noted your comments from your letter, and we are

looking into this matter further and will contact you again in

due course.

 

Nothing from Arrow Global

 

 

I shall now be posting on MBNA letter on my Thread Tonka99 vMBNA AOL

 

 

Thanks for looking in

 

Cheers Tonks

[Tonka99]

Hello all

 

Update for this one

Have received a letter from MBNA Insurance Services Dept

 

" As a former MBNA loan customer, we are writing to you as

part of our on going commitment to provide the highest standards

of customer service.

When we arranged your MBNA loan you may recall that you chose

to purchase optional Payment Protection cover, underwritten by

St Andrews group, to protect your monthly payments. your insurance

policy document stated that your cover woul cease when a monthly

repayment remained unpaid by you for a period of four months after it

was due, or if the right to receive your loan repayments was transferred

to a third party.

We are pleased to confirm that, in fact, even though you are more than

four months behind with your payments and your loan repayments have

been transferred to a third party, your cover will not cease until:

 

the earliest of the following dates:

 

the date of your death;or

for Accident and Sickness Insurance, Unemployment Insurance or Carer

Cover Insurance the date you reach the age of 65 or you premanently

retire from work blah blah

 

this Insurance is cancelled by you.

 

If you have a claim event that you need to advise us of you should call

St Andrews Group on xxxx if you would like to discuss the change to the

policy in more detail please write to us "

 

 

Dont know what this is about cant claim as am Selfemployed , I did send

a SAR to Equidebt and got a load of nothing back it didnt even mention

the loan and no details , also sent cca to Equidebt which has not come

back either the account is now on hold .

 

Many months ago received a letter form MBNA to say PPI cancelled

 

 

 

 

Thanks for looking in

 

Tonks

[slick132]

Hi Tonks,

 

I assume this makes no sense to you either:confused:, so file it under Taurus Excretum.

[Tonka99]

Hi Slick

 

My thoughts are that although I have sent MBNA & Equidebt

SAR none has returned any details for this loan , it seems like

maybe they are trying to cover their rear ends

The CCA has been looked at and another thread was started

by BRW:) to cover the topic of dates signed before mine ect,

because MBNA sold it on and its now on hold with Equidebt the

thread has been quite for a long time , I know there are charges

and PPI to come back but have never had any details from anyone

to get me going on it.

 

Do I just sit tight and wait for the next Default , have filed the

PPI letter as you so rightly suggested:p funny thing thou Barclays

have sent me nearly the same letter for my loan with them :-?

 

Cheers

Tonks:)

[slick132]

Hi Tonks,

 

If MBNA have failed to respond to your SAR in the time allowed, send them a reminder enclosing a copy of the letter.

 

Tell them, "Unless you supply information as required, I will have no option but to take County Court action against you, seeking damages and forcing you to comply with my request."

 

Have they taken payment for the SAR and do you have confirmation that they rec'd the letter.

 

e

[Tonka99]

Hi Slick

 

Yes i have proof of them getting the SAR however I sent

all account nos on one SAR , they sent back only figures

ect for the c/cards excluding the Business account and the loan

they did say that on this occasion they would not charge me and

sometime later returned the P/O.

I may write to them and request that they send me all statements

from all accounts and not just figures that made no sense to anyone

only thing is they have now sold them all on does this make a differance

to my being able to get them to comply

 

Thanks for our time

 

Tonks

[slick132]

You may have a problem getting info back for several cards or a/c's using just one SAR.

 

If there's a business card and loan a/c, you'd be better sending off separate SAR's for these.

 

If they've failed to send proper info back for the other a/c's, you can chase this up with a letter. Se here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

[Tonka99]

Hello all

Update for this one

 

Sent off SAR to Equidebt and have had back well not a lot

nothing i need just some computor data sheets , so have

now done a LBA non compliance their time runs out 25th

I did make it clear what i required from them in the SAR

have also enclosed a copy of SAR just so they can get

it right this time

 

Thanks for looking in

 

Tonks