Arrow/Shoos claimform - old MBNA debt - settled by Tomlin - drydens now write saying pay us not Arrows?

[Scrapper]

Hi All

 

Well it has now been 100 days since I sent my SAR off to MBNA and still nothing.

 

I sent the second part of the CPR off last week as they completely ignored my first and thinking about it and I've said it before every request I've ever sent them. And blow me they called me this morning wanting to dicuss this request. Told the bloke to feck off and come the **th April 4pm if you haven't delivered what I want then I'll be popping down to the local county court and let the games begin. He didn't know what to say to that and went very quiet.

 

Also had to remind him about the you don't have permission to hold my numbers so why are you calling me and writing only then I put the phone down.

 

Then another letter popped through the letter box from Gail Powell saying we want to help blah blah blah blah and if I don't contact them they will pass this over to a DCA. Well be my guest. They will only pass it back when they see you have failed on every request.

 

Any believe me if I can get the county judge to force you to produce the goods and you don't your fecked MBNA and no DCA will even touch it you co*k sucking ****.

 

And if I can't well................... but I can't see that happening as you have failed on every request, but you expect me to comply with your T&C's. Well I have rights to so *'#;#.',./.,/.,,,**'*'';# you. And if you are reading this then believe me I am more than willing to go all the way with this as you are the worst company I have ever dealt with and you have no morals.

 

Dear DCA

 

No CCA

No Statement of account

No SAR

No CPR1

No CPR2

 

Blah blah blah blah

 

So watch this space as it's game on as far as I'm concerned.

 

 

Sorry for the rant, but they just don't get it do they

 

Thanks

 

Scrapper Coco

Edited April 6, 2009 by Scrapper

[toxicdebt]

May I suggest a 'Scapper Vs MBNA' thread

[angel_1]

Hiya toxic... good to see you again

 

 

and scrapper wondering where your full threads are cos its interesting reading and its good to see it all in one place

 

i can then subscribe toyour own threads too like i have done for toxic

 

its confusing sometimes when you try to follow somone's journey especially if you are right behind them in any issues you have in the same vein:wink:

 

let me know when you have your threads up and running please scrapper

 

laters all angel x

[toxicdebt]

Hi Angel

 

Its all gone a bit quiet on my battle right now. no phone calls, no letters for a week now. Spooky!

[lee32uk]

Have you not removed your phone numbers from mbna online banking? (If you have it of course )

I removed all my contact numbers and replaced them with a few made up ones now i get no more calls 8)

[toxicdebt]

Indeed I did Lee. But I left an old mobile Pay as you Go one on there. I leave it on my desk on silent mode. Its great fun listening to all the messages they leave, but they have dried up completely.

 

You would think that they would have taken note of the phone numbers on the Internet banking before I removed my land-line.

[angel_1]

hiya all

 

got truecall and its bliss

 

really unbelievable peace

 

all sorted now

 

laters angel x

[toxicdebt]

It seems RMA have given up and optima solicitors have taken up the gauntlet. I have received a letter from them threatening all sorts of frightening things - most of which they cant do - if i dont make payment immediately. I'm posting the letter up here so others can study and prepare themselves for this stage of the process.

 

Needless to say Optima will be getting a "this alleged account in is dispute and should not have been passed on to you". Including the usual blurb.

 

I am however taking the step of also passing the optima letter on to my MP pointing out that despite the commons debate 6 months ago about judges preventing Unsecured Loans being attached to a charging order on a customers property, the credit co's are STILL are threatening this. I will be informing Optima that i have passed on their letter to my MP so to bring their frowned upon actions to her attention.

 

What Optima dont know is my house is £27500 in negative equity, which - I would imagine - will sway a judge away from granting such an order.

 

Here is the letter:

http://i155.photobucket.com/albums/s284/makum101/Optimathreatletter1a.jpg

[SB100]

I got the same letter a while back- they passed it back to MBNA pretty quickly once they received a bemused letter.

[angel_1]

hello toxic

 

oh dear got the same letter,,,,

 

i sent the letter ref charging orders to my mp last year gosh cant remember who started it all off,

 

but the other week did get a reply back from jack straw dept,,, meant to scan up - now noted to scan and start a thread up about it all

 

so this nicely ties in with your comments, i will be sending also to my MP this disgraceful letter ive had from optima too

 

im so cross this is still being used as threats, i may or may not have equity but sure to hell they aint getting nothing on my property for a lousy credit card alledged debt they cannot give me the proper paperwork for ...

 

lol im calmer now,,,,

 

so will be also sending complaint to oft,,, i found a link earlier to complian to them ref charging orders,,,i can post if you wish

 

take care united we stand so lets keep positive

 

laters angel x

[toxicdebt]

Ive not yet complained to OFT as they keep breaking rules left right and centre so will wait until I have the lot to complain about in one go.

 

The Jack Straw reply would be interesting as I am gathering all relevant topics on it and emailing my Mp regularly asking how this matter is progressing. interestingly the replies from my MP lately have become a lot more comprehensive than the usual standard reply. Hmmmmm, I wonder why?!

 

HobNob Anyone?

[Fred Bassett]

It seems RMA have given up and optima solicitors have taken up the gauntlet. I have received a letter from them threatening all sorts of frightening things - most of which they cant do - if i dont make payment immediately. I'm posting the letter up here so others can study and prepare themselves for this stage of the process.

 

Needless to say Optima will be getting a "this alleged account in is dispute and should not have been passed on to you". Including the usual blurb.

 

I am however taking the step of also passing the optima letter on to my MP pointing out that despite the commons debate 6 months ago about judges preventing Unsecured Loans being attached to a charging order on a customers property, the credit co's are STILL are threatening this. I will be informing Optima that i have passed on their letter to my MP so to bring their frowned upon actions to her attention.

 

What Optima dont know is my house is £27500 in negative equity, which - I would imagine - will sway a judge away from granting such an order.

 

Here is the letter:

http://i155.photobucket.com/albums/s284/makum101/Optimathreatletter1a.jpg

 

Interesting to see that Optima still don't have an address to respond to - isn't this breaking the law? Was the IE form printed on the back of this? It's just another standard threatogram as you have realised already.

 

Regards,

 

Fred

[toxicdebt]

Hi Fred

 

I have sent my reply to their registered office listed at the bottom of the letter. Are you saying it wont get there/ doesn't exist?

 

Yes there was an IE form printed on the back.

Edited May 19, 2009 by toxicdebt
Was addressed to wrong member. Sorry

[pompeyfaith]

All my mail to Optima goes to the Bradford Address and it gets there ok

 

PF

[toxicdebt]

Ah Phew thanks Pompeyfaith. Thats where I sent mine.

 

As a Sunderland supporter its nice to finally get something from Pompey. Haha.

[pompeyfaith]

Indeed and good luck on this weekends events will it be Newcastle or Middlesbrough ?

 

PF

[toxicdebt]

Hopefully BOTH!

[BlueSquirrel]

Have you not removed your phone numbers from mbna online banking? (If you have it of course )

I removed all my contact numbers and replaced them with a few made up ones now i get no more calls 8)

 

I removed my phone numbers but still they call. Even though they wrote and said they didn't have my phone number after phoning me about 10 times. I got the usual thing yesterday about them being a "telephone bank" and it was not their fault if I had not realised that when I took the account out.

[Fred Bassett]

Hi Fred

 

I have sent my reply to their registered office listed at the bottom of the letter. Are you saying it wont get there/ doesn't exist?

 

Yes there was an IE form printed on the back.

 

Toxic,

 

That's what I was looking for but couldn't see. They used to send out these letters with no reply-to address but a few of us complained to Companies House. I'm still not sure it's entirely legal though - I thought it had to be clear - not in the small print.

 

Regards.

 

Fred

[toxicdebt]

Received 8 Calls (to my old Mobile) and interestingly two text messages - both saying "you have received a letter from Optima legal earlier today. the correct number to contact us on is xxxxxx."

 

Yeah Right!

 

Tomorrow they will receive my written reply.

 

I texted back saying "you have received a reply to your letter via post READ IT" but it failed to send.

[BlueSquirrel]

They can't read letters, they are a telephone bank, remember! When I said they were able to SEND letters I was told they are all computer generated. They then went into their highly technical and articulate "You've spent the money, you need to pay it back" argument. YAWN

[underdog13]

"You've spent the money, you need to pay it back" argument. YAWN

 

They leant the money, they needed to get their paperwork right;)

[BlueSquirrel]

And I still love Darset's reply when they said they were a telephone bank "that's a shame as I am a letter writing person."

 

I did say to the person from MBNA I could understand why she was in a bad mood having such a cr%p job but they went all defensive and said MBNA don't owe you money, we don't have to do anything. WHATEVER

[Muffintop]

Interesting to see that Optima still don't have an address to respond to - isn't this breaking the law? Was the IE form printed on the back of this? It's just another standard threatogram as you have realised already.

 

Regards,

 

Fred

What is an IM form? How do they know we are homeowerns what database do they check on? and can they put a charging order on the home without taking you to court, and the judge saying that you will get a ccj? really concerned about this as iv just had a similar letter from mbna, should I reply to it.

 

Hy toxic.looks like you moved on big time.

[underdog13]

Think they check out your property with the land registry - also think the CRAs sometimes carry details of your mortgage debt (not certain of this, only heard it from someone else).

 

They sometimes try applying for a summary charge; you just have to defend it.

 

Try not to worry too much before the event MT - that's exactly what they want you to do;)