MBNA and Aegis - No CCA received!

[exchange]

Not guilty! Mine had MBNA's details in very small print in the centre of the card. Never heard of GCI or seen them mentioned on threads on here.

[exchange]

Just searched GCI on here and the only mention was in connection with missed payments on a mobile!

[Coactum]

Thansk for that but I may have confused GCI was the initials of whoever signed it. It was MBNA because it was their phone number.

[Coactum]

I have just reviewed that post card and note that it does actually state that it is from MBNA through the centre of the card in the area separating message from address. It says MBNA Europe Bank Limited is authorised and regulated etc., so I suppose that the phone number was not the only clue after all! Also the Signiture was G.J.I not GCI are earlier stated.

[exchange]

I don't know about you Coactum but I heard nothing from them!

[Coactum]

No phone call but I have just had an email which actually answered some of my questions!

[exchange]

Petition to: Request a special investigation by the FSA and OFT into the harrassment by consumers and their families through the debt collection practices of MBNA and specifically the practices related to telephone calls and defaults while in dispute

 

Link to petition against MBNA.

 

Sign before 18 August please and spread this as much as you can.

[exchange]

Email message from MBNA this morning asking me to call them. No!

[exchange]

Threat o gram 130709.pdf

Latest threat o gram attached.

 

This arrived in a brown envelope marked royal mail 2nd class but with an air mail sticker. Not sure that this combination exists!

 

At least there is some recognition in the wording that I am not in the UK with threats on my property or earnings (self employed so tricky).

 

Waiting for SAR.

[Coactum]

I have those also, several of them in fact and signed by the very same Dee Dillistone

[ferdies]

Hi,

Well i have also just asked MBNA for my CCA twice and have yet no response.

I have been advised of a new letter to send them (thanks maroondevo52) which i will do.

Am i supposed to stop paying my account untill this has been sorted?

I am a bit worried as reading the blogss here sounds like they don't like repyting!

 

Many thank xx

[exchange]

Yes, while they are in default of sending your CCA you can stop making payments.

 

Have you signed this petition yet?

Petition to: Request a special investigation by the FSA and OFT into the harrassment by consumers and their families through the debt collection practices of MBNA and specifically the practices related to telephone calls and defaults while in dispute

[ferdies]

Hi Exchange,

 

Yes just signed it. Sounds like im in for a bumpy road regards MBNA.

 

Its funny no matter who i talk to, their name pops up as the worst CC company.

 

Thanks xx

[exchange]

MBNA anonymous text message today to say they have important information and to call them by 5pm today.

 

Not likely!

[MeeBroke]

MBNA anonymous text message today to say they have important information and to call them by 5pm today.

 

Not likely!

 

Maybe someone's discovered the bin where all the CCA requests get shredded into?

[basa48]

MBNA anonymous text message today to say they have important information and to call them by 5pm today.

 

Not likely!

 

Yup...get one of those each week.:-|

[AA99]

ONLY 50 signatures on the No.10 petition so far - COME ON PEOPLE

 

Petition to: Request a special investigation by the FSA and OFT into the harrassment by consumers and their families through the debt collection practices of MBNA and specifically the practices related to telephone calls and defaults while in dispute

 

Please check your Spam folder to acknowledge the email receipt so your signature actually shows on the petition, thank you:cool:

[exchange]

Thanks for posting the link around AA99.

[exchange]

I have a feeling MBNA don't want to upset the Information Commissioner's Office because today my SAR request was delivered by DHL (!) just in time to beat my deadline of the 3 August 2009!

 

Have had a quick glance through and I have a copy of my BOS application which they were looking for and will post it up later. They have sent all statements for this account as well it seems.

 

My other account has the same copy of the application form included as they have already sent me which shows the account was opened in 1998 yet they have only provided comms logs going back to 2003 and no statements.

 

Interesting that they have not cashed the £10 sent.

 

M&S have already sent my SAR but not cashed the £10.

 

Capital One have cashed the £10 but nothing yet and nothing from RBS who haven't cashed the £10. Both have until Monday as well.

[exchange]

Application form.pdf

 

Here's my BOS application form. No wonder MBNA don't want to send this out!

No prescribed terms and the second page was photocopied on to the back.

[exchange]

It is almost illegible but I can make out that it says 'I agree to be bound by the terms overleaf' and overleaf is the second page as attached in post 170!

[Coactum]

They were very slow to cash my cheque. I posted it to them on 6/6/2009 but they did not present it to my bank until 22/7/2009 which was also the day they send docs via recorded delivery. N.B. 6/6 - 22/7 was 46 days!

[exchange]

Hi Coactum, did you get all the statements and info? If not did you take this up with them. Interested to know if it's worth being a pain in the ****!

[angmarie]

Hi Exchange

 

My MBNA cca request deadline is today, I have received one of two requests its very similar to some mbna cca posted on this site an application from with some t/c on seperate page. However there has been no response concerning the other do I now send non-compliance of cca request letter or do I have to give them another 14 days to respond.

Also they are still (after complaints letter) phoning family members, numbers they held whilst i called them one xmas. Can you advise any relevant letter to send them please.

 

 

Ang

[exchange]

Hi angmarie, I ignored them for a while before sending in the SAR request. If they have not complied with your CCA request you can (legally) withold payments from them and you should send them the account in dispute letter. Don't give them another 14 days, no reason.

 

I'm not sure, but go through OFcom or get your relatives to complain to BT or whoever the service provider is about nuisance calls. Luckily I've never had that problem, and never speak to any CCC on the phone.