MBNA

**MIKE770** · 29th June 2010, 09:24:AM

Re: MBNA

Welcome to legal Beagles.

Suggest you give more information, i.e. how long you have had cards, any PPI, had any overlimit/default charges on card - that will give people on here more idea of the situation, any info make sure personal details are blocked out i.e. account numbers/bar codes/ name etc, I am sure others will respond to you.

**WendyB** · 29th June 2010, 09:26:AM

Re: MBNA

and have a read of this....OH v MBNA (Partial refund in 23 days) now FULL REFUND ! - Legal Beagles Consumer Forum

**arvouille** · 29th June 2010, 09:36:AM

Re: MBNA

MIKE770 & WendyB,

Thank you,

I will dig out the info tonight and will post again tomorrow morning.

Thank you

**arvouille** · 2nd July 2010, 09:47:AM

Re: MBNA

Hello again,

I've been with MBNA for 4 years, I've got no PPI and I regularly get overlimt/default charges added to my account (they are always for £12)...

My original post:

Hello,

As many others, I'm new to this...

I've had a MBNA credit cards for 3 years, my limit is £3900. I currently below this limit...

I am however being charged a mountain of interest on a monthly basis. I am also subjected to their daily harrassment when I'm falling behind on my payments...

Times are hard so my card has been blocked for the past 6-7 months as there's only one income coming in (wife's lost here job...) and I can't afford the reapyments, I 've chosen to pay more "important" things like mortgage, council tax, gas/elec & car/house/life insurance...

At this rate it's going to take me forever and a day to pay this debt off...

What can I do to:

1/ Freeze the interest?
2/ Pay what I can afford?
3/ Stop them harrassing me?

I've read many threads but got very confused with the CCAs letters and whatnot and I do not know where to start...

HELP?!?!?!

Arvouille

**MIKE770** · 5th July 2010, 13:08:PM

Re: MBNA

Send a CCA request letter enclosing £1 P.O if that is what you are infering regarding CCA letters, find them in the guides etc, they then have 12+2 days to respond before they are in default, it would be a start? Send recorded delivery, do not sign Print signature or use below + put a cross in siggy.

**arvouille** · 6th July 2010, 10:26:AM

Re: MBNA

Thanks Mike770,

At the risk of sounding a bit daft, can you just confirm that these are the correct steps before I send the wrong stuff:

1/ Print the letter below
2/ Don't sign it, or just write name or put a cross or sign and embed the anti temper jpg you sent...
3/ include a £1 postal order
4/ Send recorded delivery
5/ Wait for 12 working+2 days and they are in default.
6/ If they respond, post the answer here to see what to do next...

Thanks for your help

Olivier

Letter:
Dear Sir/Madam

Account/Ref No:

With reference to the above agreement, I/we would be grateful if you would send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.

I/we understand that under the Consumer Credit Act 1974 [sections 77-79], I am/we are entitled to receive a copy of any credit agreement and a statement of account on request.

I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

I/we understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.

I/we understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

I/we look forward to hearing from you.

Yours faithfully
------------------------------- merged -------------------------------
Hello again,

I forgot to mention:

I've logged onto my online MBNA account and amended my preferred way of being contacted to post.

I've also deleted my mobile number from my account details.

Despite that MBNA still use their silent calls tactics to my mobile... and they text me as well...

You can find out who calls you on http://whocallsme.com/ , just type in the number and get some answers for other sufferers...

Olivier

**MIKE770** · 6th July 2010, 10:27:AM

Re: MBNA

Originally posted by arvouille View Post

Thanks Mike770,

At the risk of sounding a bit daft, can you just confirm that these are the correct steps before I send the wrong stuff:

1/ Print the letter below
2/ Don't sign it, or just write name or put a cross or sign and embed the anti temper jpg you sent...
3/ include a £1 postal order
4/ Send recorded delivery
5/ Wait for 12 working+2 days and they are in default.
6/ If they respond, post the answer here to see what to do next...

Thanks for your help

Olivier

Letter:
Dear Sir/Madam

Account/Ref No:

With reference to the above agreement, I/we would be grateful if you would send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.

I/we understand that under the Consumer Credit Act 1974 [sections 77-79], I am/we are entitled to receive a copy of any credit agreement and a statement of account on request.

I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

I/we understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.

I/we understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

I/we look forward to hearing from you.

Yours faithfully

I suggest you go to above heading CCA, enter and look through paragraph up to unenforceabel agreement press (enter) and read Curlys info/letters. you are on the right track .

**arvouille** · 6th July 2010, 10:47:AM

Re: MBNA

Great stuff,

I've read the thread, will check if a DCA has already written to me, most probably... Then I'll follow Curlyben's guide (http://www.legalbeagles.info/forums/...ead.php?t=8053)

Thanks again.

Will keep you posted.

O

**MBNA Destroyer** · 3rd March 2011, 17:37:PM

Re: MBNA

sorry to hear - had the same problems when I became seriously ill and had a loan and two credit cards - business ones, but MBNA would not put them down as business. I had their PPI which is not worth the paper it is written on. Write to them and say you want a interest holiday and give them the details - if they refuse take them to the FOS. MBNA have been ordered not to chase people aggressively. After that check all you data MBNA ahve a habit of fiddling figures - see my previous post. also ask MBNA to send you copies of your statement (Hope you have kept the originals). I found when I received the copies from MBNA the interest rate was different the orignal statement I had was lower then the copy they sent me. Do you or your wife have PPI with them? Hope this help. Keep paid the mortgage etc not cc bills they will ahve to come to an agreement sooner.

MBNA

MBNA

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Announcement

Court Claim ?