AA99 v MBNA (Account 1)

[lexis200]

hiya AA99

 

in the letter 3 - it states before they insist on you disclosing your assets etc,,,,,can they actually do this? i mean another lie??

 

 

No they can't - only a court can insist. I raised this with them a while ago and didn't get a dicky bird in reply.

[AA99]

Thanks guys! Don't you just love the heading on that letter too????

Let us help you to repay the money that you have spent

 

They're going to start by repaying all the charges and interest they've added to what I spent first LOL :grin:

[lexis200]

Oh it's that letter!!

 

Wasn't from Martin Supple was it?

 

I wrote a letter to them off the back of that asking for an apology for insinuating OH was ignoring the situation! Cheek of them!

 

Also asked why, since they'd been informed OH was in financial trouble, had they sent out at least two offers of a home loan (he's never had any before we told them). Strangely quiet about that too...

 

I'm seriously hacked off with them at the moment, bunch of bankers. I hope they all get the lurgi:p

[AA99]

Hi Lexis, yes, all 3 letters are from Martin Supple LOL

[citizenB]

boshed links, thanks CitizenB

 

You are very welcome..you wouldnt believe some of the puddles I got myself into when I first joined CAG. If it werent for the assistance of a particularly helpful CAGer, I wouldnt have an avatar

 

hiya AA99

 

in the letter 3 - it states before they insist on you disclosing your assets etc,,,,,can they actually do this? i mean another lie??

 

 

Nope, they cant. Only a court can order you to do this.

[AA99]

hiya AA99

 

in the letter 3 - it states before they insist on you disclosing your assets etc,,,,,can they actually do this? i mean another lie??

 

 

 

I've already sent them a full Income & Expenditure Form showing our only income being benefits, we are Tenants, and guess what? We have no assets!!!!!!!!!!!!

[citizenB]

hiya AA99

 

in the letter 3 - it states before they insist on you disclosing your assets etc,,,,,can they actually do this? i mean another lie??

 

 

I've already sent them a full Income & Expenditure Form showing our only income being benefits, we are Tenants, and guess what? We have no assets!!!!!!!!!!!!

 

Oh dear, guess who's gonna throw their toys out the pram when realise that :grin::grin:

[angel_1]

hey AA99

 

what about if you can find one of those little house on the monopoly games,,,,send them that !! wouldnt you just want to be a fly on the wall when they open your letter saying Take my Assets ,,,,,yipppppppppppppppp,,,,then go to Jail,,,hahahahhah

 

oops sorry back to business,,,,, you are very welcome to try i would say but my dying plant pot could do with a good home, take that,,,

 

 

keep your spirits high, at least they are sometimes better than a daft commedian on the telly

 

chill and keep happy laters maz

[AA99]

Ah Maz, you are a star! I could also maybe include the car playing piece....... what a laugh, thank you!

[AA99]

2 Very large envelopes received today 17 October 2008, both pertaining only to OH accounts, no response yet to mine.

 

1st envelope contained letter dated 16 October, confirming in accordance with s.78 of CCA1974, copies of blah, blah, mainly only T & C's with ticked boxes for theirs/ours signatures, and recent (SEP) statements of their own plus one from Virgin, nothing from AOL (other card taken over).

 

2nd envelope contained letter dated 02 October, , with their own I & E form, referring to both his accounts, attachments herewith, I hope.....

 

I feel distressed !!!!!!!!!!!!

[AA99]

Try again,

[AA99]

3rd time lucky

[AA99]

[davey77]

Sickening really. What they are saying is 'we acknowledge the Banking code but will continue to ignore it as we are pretending that you are ignoring us therefore will harass you as much as we want'.

 

I haven't tried it myself but have you thought about complaining to the Banking Code Standards Board?

Banking Code Standards Board

 

As long as you can prove to them that you have not ignored the creditor and been reasonable then perhaps you might get somewhere?

[AA99]

Today's post brought My account statement dated 14 October only. 1st page as normal layout but pages 2 and 3 as follows:

 

http://i390.photobucket.com/albums/oo349/AA99/Statementp3.jpg[/img]

http://i390.photobucket.com/albums/oo349/AA99/Statementp2.jpg[/img]

Edited October 18, 2008 by AA99
upload

[AA99]

Sickening really. What they are saying is 'we acknowledge the Banking code but will continue to ignore it as we are pretending that you are ignoring us therefore will harass you as much as we want'.

 

I haven't tried it myself but have you thought about complaining to the Banking Code Standards Board?

Banking Code Standards Board

 

As long as you can prove to them that you have not ignored the creditor and been reasonable then perhaps you might get somewhere?

 

Thanks davey. Their page 3 is actually saying they've washed their hands of me and to go to the FOS, so am thinking that's the next step.

 

Waiting for a legal eagle to pop by here first though!

[steven4064]

AA

 

Could you summarise what you have asked them for and what they have sent so far.

[AA99]

Account No.1 (in my name since May 2006 & taken over from BOS):

 

May 08 MBNA statement showed balance over limiy by £28.92 caused by charges and interest.

14 July RMA wrote for arrears

31 July MBNA wrote for arrears of £187.79 (all interest & charges)

1st August Wrote querying amount of charges & interest & expressed concern to repay

11 August MBNA wrote acknowledging receipt of letter promising full response within the next 5 business days.

12 August RMA wrote again for arrears.

23 August RMA wrote threatening report to CRA

18 August MBNA wrote to advise withdraw credit line and advising CRA of arrears and threat of Defaul Notice.

8th September Wrote covering Hardship Letter together with I & E Form clearly showing no surplus and £20 p.m. to each creditor.

10 September MBNA wrote letter headed Potential Commencement of Legal Proceedings if I didn't phone within 7 days.

12 September MBNA wrote acknowledging receipt of I&E Form. Asked to phone them

18 September MBNA wrote letter headed Important Default Notification (it's not too late to prevent the termination of your agreement)

23 September I sent Harrassment Letter, CCA Letter plus £1

13 October I sent CCA in default letter

13 October I sent S.A.R - (Subject Access Request) plus £10

15 October received MBNA letter dated 10 October with heading Let Us Help you to repay the Money that you have Spent and final chance to cooperate before insisting we disclose our personal assets and income.

18 October MBNA sent normal Statement dated 14 Oct with additional page re default sums and interest thereon

[steven4064]

Have you reclaimed charges?

[AA99]

Not yet!

[steven4064]

You have a choice, then. You can wait for them to take you to court (if they ever do) and then counterclaim or you can claim first.

[AA99]

Well I think it obviously has to be done now to reduce my balance owing. Are we talking all charges, defaults £12, late payment fees £12? or only if they were higher than that.

 

Just looking back at my notes from Bank of Scotland original card taken out in May 2006, interest was 12.94%. When MBNA took it over in May 2007, I telephoned to ask what the interest rate was and was told 12.9% for life. Their unsigned leaflet of my CCA also clearly shows APR12.9%. They are now charging 1.8735% p.m. which I understand is APR24.9%. It's that that has got the better of my finances!!!!!!!!!!

[steven4064]

AA

 

You can (and should) reclaim all charges for late payments, defaults, going over credit limit, bounced DDs. They may be £12 now, but they were probably £30 a while ago - you will surprised how it adds up, particularly when you add 24.9% interest on it.

[citizenB]

Dont you just love the first sentence on the 2nd page...

 

"It may be helpful to explain the regulatory environment within which we operate and how this may cause our procedures to be different from other UK credit card issuers".

 

What are they saying here?. We are a US company and our rules n regulations take priority ?.

[AA99]

Dont you just love the first sentence on the 2nd page...

 

"It may be helpful to explain the regulatory environment within which we operate and how this may cause our procedures to be different from other UK credit card issuers".

 

What are they saying here?. We are a US company and our rules n regulations take priority ?.

 

Yes, I feel very tempted to take this up with one of the associations... ?!