Urgent advice please - DCA at my door Monday!

[Guest Battleaxe]

We will keep him busy..the muppets in the hamster wheel, certainly don't help

[Perseus]

Morning BA and all

 

Received a letter this morning from Bill Wareing.

 

" I am writing to confirm the outcome of our conversation I had last week with you.... We have removed any adverse information recorded with credit reference agencies relating to your account since May 2004 (time of insurance cover). I can confirm that no Default has been registered/recorded against your account.

 

Should you need to discuss this further, please contact me..."

 

Sincerely - W J Wareing.

 

Thats it!

No breakdown, no cheque, fini!

 

Just about to make a call. "mornin Bill!"

[Perseus]

Oh yeah, also not received the promised DPA info, nor a response to the CCA request either.

'There may be trouble ahead'

 

In addition to that - the cheeky ****ers have got Global Vantedge to send me a letter.

 

Boiling point passed about NOW!

[Guest Battleaxe]

Go get him Lilly, I bet again, the left hand does not know what the right hand is doing.

[Perseus]

Just got through to his secretary, he's working from home today.

Waiting for him to contact me now...

 

So I'm waiting for:-

SAR (original request sent 9th Nov), 7 day LBA and 7 day notice expired 30th Jan

CCA 12 days expired 1st Feb

Settlement cheque (not added to account as advised by UATOB Stuart Johnson-ASS Vice Pres)

Breakdown of how the 'gesture of goodwill' and 'further goodwill payment' have been arrived at.

Explanation as to why Global Vantedge are now chasing me

Explanation as to why MBNA are requesting £153 in arrears if the account balance is now retrospectively reduced, and I was advised that the balance should be maintained as a normal payment scheme (ie minimum or more at my discretion).

 

Going to give him until 10am Monday to provide all the above, or the N1 goes in for non-compliance.

 

What interest rate can I claim for my schedule - can I go for the 'across the board 22.482% (1.8735% monthly) or is it restricted to the s69 8% (or is this just for banks?)

 

Not a happy bloke!

[Perseus]

Just got off the phone to now Mr Bill Wary!

He was surprised (laugh) to hear that there was no cheque enclosed

He had asked Rachel (UATOB) Claridge to supply the breakdown

He had not requested the chase up of the SAR as he believed the offer had been accepted (which I confirmed 'in principle and on the understanding that the SAR/Breakdown and CCA was received in full)

He had not chased the CCA

Global Vantedge are just 'delayed' in requesting the chse up, but I advised that the letter was dated 1st Feb, my conversation was with you on 25th Jan.

 

I advised that I was considering lodging my non-compliance claim for SAR, and that MBNA was in breach of the CCA request. He was a little sharp and said 'are you still pursuing this in court?" and I told told him that I would if there were any further delays in receiving all requested info. I reminded him of his promise to supply them from th 25th Jan, he's now asked for 7 days to comply with everything, and is now phoning all concerned to make it happen - but did say that he could succesfully defend any non compliance for the DPA, didn't say how tho!

I'm now checking all my paper work to see if I've made a cockup somewhere that he's relying on.

 

Ggggrrrrrr

[Cornucopia]

Just got off the phone to now Mr Bill Wary!

He was surprised (laugh) to hear that there was no cheque enclosed

He had asked Rachel (UATOB) Claridge to supply the breakdown

He had not requested the chase up of the S.A.R - (Subject Access Request) as he believed the offer had been accepted (which I confirmed 'in principle and on the understanding that the SAR/Breakdown and CCA was received in full)

He had not chased the CCA

Global Vantedge are just 'delayed' in requesting the chse up, but I advised that the letter was dated 1st Feb, my conversation was with you on 25th Jan.

 

I advised that I was considering lodging my non-compliance claim for SAR, and that MBNA was in breach of the CCA request. He was a little sharp and said 'are you still pursuing this in court?" and I told told him that I would if there were any further delays in receiving all requested info. I reminded him of his promise to supply them from th 25th Jan, he's now asked for 7 days to comply with everything, and is now phoning all concerned to make it happen - but did say that he could succesfully defend any non compliance for the Data Protection Act, didn't say how tho!

I'm now checking all my paper work to see if I've made a cockup somewhere that he's relying on.

 

Ggggrrrrrr

 

Hello Lilly!

 

My GOD they are playing silly buggers! They must be inundated, mind you, it will take him forever to read my letter, four pages long!!!

 

The bit about successfully defending non-compliance with Data Protection is interesting, sounds like a challenge to me! Get those kitten heels out again.........

[Guest Battleaxe]

Lilly go for contractual rate and then bargain down if necessary to the 8%.

 

Now this why he cancelled my teleconference, he is working form home. Maybe the snow kept him from going in, or whatever at the hospital this week.

[Guest Battleaxe]

He is talking out of his bum on thenon-compliance bit. They use the argument that they get the info to you albeit late, and this is their defence.

[Perseus]

I think what I might do is wait to see if I get a call tomorrow (he said if there was any problems, he would call me!).

If no call, I will knock up a letter to confirm what was agreed to be done on the phone, and to confirm the 7 days he requested will be the deadline. I'll download an N1 and get it prepared.

I cant see anything that I've done wrong to make me unsure of my procedure so far, and on that basis I'll give him until the post arrives on Thursday next week, then submit my N1, and special d him to confirm its too late. Or shall I write to confirm that I will be doing that if I dont get all the answers and see what response I get?

 

Hmmmm, decisions decisions...

What do ya think?

[Guest Battleaxe]

I would write, outline everything discussed on the phone and make it VERY clear that if you do not receive the promised refund of charges by 4pm on the seventh day you will be filing the following morning at 9am in the local county court. I would bold and underline the last bit to hammer it home to him.

 

I believe they are so inundated with claims and now the section 85 defaults are rolling in they are fighting a losing battle and don't know what to do.

 

Keep the pressure up, you now have the upper hand and you did get the dogs called off, so keep using your advantage.

 

Heres a couple of hugs for you () () ()

[m55dlc]

Oh, this is great! Just subscribing as I have a mutual dislike of MBNA. Hello Battleaxe.

[Guest Battleaxe]

Hi M55. We really need to keep this pressure on these banks. it's the onloy way they will understand the feelings about their practises out in the real world.

[Guest Battleaxe]

Has anyoone noticed the post counter, it's gone mad two posts and both 968

[Perseus]

Thanks for that BA, I'll get something sent off to him first in the morning. I'll take the first day as yesterday as he stated 'give me 7 days' etc in his call.

 

dum dum dum diddy dumdum. (Queen-under pressure!)

 

Re your posting counter - it shows your total count on every post, not the post count taken at the time of posting. Technology's great isn't it?

 

P

x

[m55dlc]

And there was me thinking that she was talking about the permalink number!

[Perseus]

Having said that - I just posted elsewhere, expecting to see my 100th post counter, and all 3 posts stated 99... gutted

Maybe this will be my century?

You were right BA!!!!!

[Guest Battleaxe]

Call me thick, I had over 1300 posts yesterday and today I am back to 971, yet today I have posted at least ten and the I noticed the counter reset 968, so go figure.

[m55dlc]

Groundhog Day!!!!

[Perseus]

Ok so the update...

 

As said above, received 2 letters

1 from Stuart (ASS Vice Pres) Johnson - full and final (no mention that this is for the refund of charges / interest etc)

1 from Bill Wareing, confirming they have removed any adverse credit markers, confirming there is no default on the account.

 

This is the 7th day, still no breakdown of how the offer is arrived at. Also received a warning of default notice for arrears based on previous balances. Insurance payments made up to December, account stated as delinquent again - and obviously this is going to be recorded on the credit history file.

 

I didn't send a letter to Bill, I've been in hospital and not well for a few days - just getting back in to the swing.

 

So - what do you think - should I send a snot-a-gram, should I reject the full and final, should I refuse the GOGW, the totals of the gogw payments is £2077.05 which has been paid directly onto the account (really gutted as promised a cheque) and leaves an account balance of £275 - which is what they are now trying to default me on for arrears outstanding!

The one thing I'm confused about is this;

£1026 of charges (which includes returned charges)

£2077.05 paid onto the account in good will

 

£1051.05 has now been overpaaid in principle, but doesn't take into account the increased interest thats been paid over the term, the increased ppi premiums on the increased balance.

 

What I dont want to do is to reject an offer that is worth more than I'm either due, or can calculate - without a breakdown.

 

If I go chasing for the breakdown, I might seem a bit unsure or desperate.

Is there a spreadsheet that can calculate credit card compund interest?

 

Any advice please - really uncertain of the best way to go forward on this.

[Guest Battleaxe]

Oh dear they really a treat. I would write a snotty gram ask for the breakdown. yes there is a spread sheet Vamps Chambers and use spreadsheet No2, all you have to do is enter the charges and the dates and use the contractual rate of interest. Enclose this and send if to Wee William.

 

Then send them a Section 85 Default notice, see CCA Thread for a copy and do spread sheet of all the interest they have to repay since they sent you the second card. Post that to William and sit back.

[Perseus]

oh bugger.

Just tried calling him - on holiday until monday. Left a message for him re breakdown.

 

Battleaxe, what do you mean re second card?

 

Filled in a spready about compund on all the charges.

Works out even with the amount they've credited, as of today, still owe £14.58, without adding any overcharged interest or insurance premiums they've added...

 

I'll take a look at the s85 details now.

 

Thank you

P

[Guest Battleaxe]

Lilly,

 

See you have been busy helping others, well done.

 

Second card, when your first card expires and they issue you with a brand new shiny one for the next four years. Hope this helps

[Perseus]

Battleaxe- you always help... and thank you!

Just passing on what you peeps have taught me...

Great learning curve ain't it?

 

I'm just waiting for a link to s85 template to blast MBNA for a £5500 credit card with Abbey...

You've started me off on something now.

 

Thanks darlin!

P

[Guest Battleaxe]

Ummm the template is about post 2000 on the Consumer Credit Act thread, if you can't find it holler and I will email a copy to you