WIFE v MBNA

[MIKE770]

Re: WIFE v MBNA

When they phone again Mike ask them to spell the name of the person they are asking for, then make out you are hard of hearing and say something different everytime, then tell them to stop messing arround and put the phone down, they will soon give up it normally works a treat every time.

No problem with hard of hearing, that is a genuine problem I have (damaged ear from Guns).

[MIKE770]

Re: WIFE v MBNA

Must be the end of the month, OH asked to call Experto special messagre?

[MIKE770]

Re: WIFE v MBNA

Ditto - they must be desperate another on answer machine to-day (2) in all so far.

[MIKE770]

Re: WIFE v MBNA

Calling again to-day must be desperate - leave no messages though (no bonus for them crooks) fancy chasing disputed account - idiots they must learn to read.

[MIKE770]

Re: WIFE v MBNA

2 calls so far this morning, 2 hours apart, Harrasement now logged!

[minmoo]

Re: WIFE v MBNA

Any updates on this mike, my position is similar but only just starting. (admit they cant provide cca).

[MIKE770]

Re: WIFE v MBNA

Any updates on this mike, my position is similar but only just starting. (admit they cant provide cca).

Nothing to report just calls to telephone?

[MIKE770]

Re: WIFE v MBNA

OH received letter from HL to-day to pay the full amount within 7 days, client will be forced to take further action against you, also MAY result in legal proceedings in county court and include a claim for interest and cost, and noted the amount has gone up £2,000+. Of course as Optical Legal (in their letters earlier)states do not respond to us but direct to Legal, same being said by HL, oh dear maybe a letter to them so they can respond to OH that their letter stated not to correspond with them. Any Comments pls? Experto have ignored initial correspondence about ACCOUNT IN DISPUTE.

Observation on the letter (HL), no Telephone Number, and on the side of letter Experto reference numbers (so experto form not HL) solicitors for hire (letter head)? should be an offence to pertain to be who you are not, misleading the ordinary individual.

[capricorn1601]

Re: WIFE v MBNA

subbing as in a similar situation and have also received the letter mentioned above.

[basa48]

Re: WIFE v MBNA

OH received letter from HL to-day to pay the full amount within 7 days, client will be forced to take further action against you, also MAY result in legal proceedings in county court and include a claim for interest and cost, and noted the amount has gone up £2,000+. Of course as Optical Legal (in their letters earlier)states do not respond to us but direct to Experto Legal, same being said by HL, oh dear maybe a letter to them so they can respond to OH that their letter stated not to correspond with them. Any Comments pls? Experto have ignored initial correspondence about ACCOUNT IN DISPUTE.

Observation on the letter (HL), no Telephone Number, and on the side of letter Experto reference numbers (so experto form not HL) solicitors for hire (letter head)? should be an offence to pertain to be who you are not, misleading the ordinary individual.

On what grounds have you 'disputed' this debt?

[The Debt Star]

Re: WIFE v MBNA

Mike, hope ur well dude. I used to receive regular threat-o-grams from HL Legal (or HeL Legal as we called them). Fisrt off, I used to go their website and have a laugh at their ugly mugs, and reassure myself that all was well and that these were defo NOT people to be afraid of. Unfortunately they've changed their website and taken off the mug shots. But trust me, Shrek looks better.

If you do go to their website and register as a member, you will see that there are dozens of precedent letters available for companies to use, under a "bulk letter" process, including letters before action etc. All downloadable.

So this is very much a factory outfit that churns out stuff, and I can vouch for that.They used to send me LBAs with "we have applied a charge of £12 to your account", which they hadn't. It was pure bullsh**

If the account is in dispute then you should write back to HL, sure, by recorded post, pointing that out. There is nothing to prevent a creditor from taking you to court I understand even if an account is in dispute (see below email I received from the FOS regarding this), but clearly the FOS do not like it and, assuming you have complained to the FOS then they will write a letter if you ask them requesting tyhe creditor not issue proceedings. I should imagine the court would take a dim view of such an action if the matetr is still being investigated by the FOS.

Here is the FOS email in my response to my question on this matter:


I would advise that although this service would prefer a business not to pursue collection of a debt whilst investigations are ongoing at this service; it is not something we can instruct it to do. Under such circumstances - at the consumers request, we will ask the business to cease action pending conclusion of our investigations, but as advised, it does not have to act on this request.

I trust this clarifies your query.

[MIKE770]

Re: WIFE v MBNA

On what grounds have you 'disputed' this debt?

Thread pretty well explains, account was from another source, evetually MBNA some 6-8 months later,send a so called signature form (their own) not originator, have a previous letter from MBNA stateing they will contact originator for CCA, then sent one of their own (signature of OH on it how did they do that)???I wonder.! complaints regarding PPI as well not covering repayments when OH redundant, hence account was increasing instead of decreasing, a claim of PPI short of actual total but done through agent without asking OH wheather to accept MBNA figure.

Originaly Telephone call she had about a scheme to gain travel points on a card, which turned out later to be Credit Card for a Holiday company, she is adement not signing any agreement, and the MBNA form she says has never been seen before so where did the signature come from?

Anyway have adapted one of Curly!s letters to HL so will send off Monday.

[toomanycalls]

Re: WIFE v MBNA

Subbing too as we had the exact same letter sent the same day.

[MIKE770]

Re: WIFE v MBNA

Must be job lot time.

[MIKE770]

Re: WIFE v MBNA

Have sent letter to HL sol!s recorded delivery to-day (oopppssss they said send reply direct to Experto) oh dear!!!