MBNA

[mystery1]

Re: MBNA

Ummm, sorry Garlok, I'm being dense but still don't know.

What PB actually said was ''contact the creditor and arrange a repayment plan you can afford and get on with your life'' so I don't really think it's fair to shorten that to 'p*ss off, pay up and get a life' is it ? I did actually ask the OP if he had spoken to MBNA about repayments on my first post in the thread too.

Reputation.

M1

[never-in-doubt]

Re: MBNA

Dan did say at the outset this was a credit card debt.

Interesting quotes from pompeyfaith and never-in-doubt. MBNA did re-issue a DN on me when I tackled the validity of the original one. The second one was compliant but they put it forward as a 'copy' of the original non compliant one, complete with original issue date and remedy date. A little misleading I think!!!

And their 'true copy' of the agreement (pre Carey) is an obvious mash-up. Photoshop rules - NOT!!!

Have a word with Oscar OTR

[Amethyst]

Re: MBNA

Ahhhhhhhh, forgot we had that since we got the thanks button lol, thanks Mystery1 xx Not sure why we'd take them away anyway.

[basa48]

Re: MBNA

Green buttons ?

(sorry am reading the rest just don't know what you mean by that bit)

I think s/he means the reputation thingy's.

Damn !! Why to I still post answers to posts halfway down the page without finishing reading to the end of the thread???

[Angry Cat]

Re: MBNA

Dan, has probably run for the hills and who could blame him?

Not impressed!!!

[Differentjudge]

Re: MBNA

Garlock

i am in agreement with every one giving their opinions and view and then the person can make their own decision having wieghed up the for and against.

I took advice OTR and was actively encouraged to see things thru to court not knowing the consequences, by other who had an axe to grind against my creditor. I dont think they had my best interest at heart.

On the other hand if some one has a strong case and they understand the consequences, potential cost etc then yes they should go for it...

[basa48]

Re: MBNA

Garlock

I took advice OTR and was actively encouraged to see things thru to court not knowing the consequences, by other who had an axe to grind against my creditor. I dont think they had my best interest at heart.

On the other hand if some one has a strong case and they understand the consequences, potential cost etc then yes they should go for it...

I can't understand how anyone can make such important decisions without first ensuring they are in possession of the facts, the possible pitfalls and consequences.

People need to research hard and make up their own minds whether the risks are worth it.

You can't blame people for advising you wrongly if you haven't done your homework.

I look at all the arguments, for and against and decide the best way forward.

At the moment I have written off two small debts (yes I do mean 'written off) and the creditors have stopped chasing the other 3 large debts.

I am well aware I would possibly lose in court, but to date I have saved over £14,000 in repayments.