Who to complain to, and how?

[cappo]

Re: Who to complain to, and how?

Just a quick summary:-

Rate jacked last October so couldn't meet payment. Contacted cccs and did income/expenses and sent financial hardship details to MBNA. Spoke to CS twice and was offered reduced payment plan/freezing of interest if I made first payment immediately ( I was offering a good amount). Paid but CS lying and no agreement made. Recieved no answer to numerous letters, harrassed continuously by phone calls, so made a complaint.

Eventually recieved response apologising, freezing interest, wiping interest back to december, giving me £50 compensation and accepting my offer but will default after 6 missed payments, stating if I could afford a fixed higher amount I would be given a formal payment plan.

Due to renting a room on the rent a room scheme from April 1st I would be able to meet the higher amount. So my family helped me out and I have been paying the higher amount requested for 3 months now, each time writing asking for a formal payment plan. I have also written mid month every month. I have now received a letter saying even though I have paid the higher amount I have no plan so will still be defaulted after 6 months as not paying full amount.

I have to ring them and go through all my financial details again to see if they will agree to a formal plan and they will not correspond further on the matter unless instructed by FSA.

My quandry now is that I am back to square one and am banging my head against the wall. The stress of this has affected my ability to take on more work and caused worse financial hardship and I am in a vicious circle. They wont communicate still. I am reluctant to ring as last time I was subject to a 2 hour interrogation.

Could somebody help me by telling me who I should be complaining to and what I need to send/tell them and what is the process please? I would be very grateful. Thank you.

don,t you just get sick of these %%%holes

[Angry Cat]

Re: Who to complain to, and how?

don,t you just get sick of these %%%holes

Did you say $$$holes?

[leopard lady]

Re: Who to complain to, and how?

to be honest I just feel like jacking it in and not paying. I'm busting a gut to pay them and they're making it as difficult as possible. I'm just worried I'll end up losing my house.

[Angry Cat]

Re: Who to complain to, and how?

to be honest I just feel like jacking it in and not paying. I'm busting a gut to pay them and they're making it as difficult as possible. I'm just worried I'll end up losing my house.

Of course, a valid concern!

Why not log your complaints with the FOS & the ICO?

Also, send in a further (short) letter of complaint to MBNA, mark your letter: ACCOUNT IN DISPUTE.

MBNA, will not correspond with you but they have to abide by the FSA guidelines about complaints;
MBNA will log the wordings in your letter.
Therefore, keep you 'ACCOUNT IN DISPUTE' letter short and to the point.

[leopard lady]

Re: Who to complain to, and how?

What are the implications of an account in dispute, please? Would I still be defaulted?

Also I don't know what I need to do to complain to these organisations. Do I just send them copies of all correspondence to and from? I have every letter filed in order, with proofs of posting where appropriate.

[Angry Cat]

Re: Who to complain to, and how?

What are the implications of an account in dispute, please? Would I still be defaulted?

Also I don't know what I need to do to complain to these organisations. Do I just send them copies of all correspondence to and from? I have every letter filed in order, with proofs of posting where appropriate.

Question 1:
http://www.ico.gov.uk/upload/documen...3%20%20doc.pdf
scroll down to Unresolved Disputes #16

Question 2

NO! you do not send the firm copies of all correspondence.
Just, send a short and to the point "IN DISPUTE" letter stating your concerns; be brief but use your own careful words rather than using a template letter.

Keep all the copy correspondence, to and from, for the ICO and FOS, as shown in the links below.
http://www.ico.gov.uk/complaints/data_protection.aspx

http://www.financial-ombudsman.org.u...complaints.htm

[cappo]

Re: Who to complain to, and how?

Did you say $$$holes?

yes ac unashamedlydly i don,t mean you guys if thats what you thought goodness me no the banks and lenders ac not you lot

[leopard lady]

Re: Who to complain to, and how?

Question 1:
http://www.ico.gov.uk/upload/documen...3%20%20doc.pdf
scroll down to Unresolved Disputes #16

Question 2

NO! you do not send the firm copies of all correspondence.
Just, send a short and to the point "IN DISPUTE" letter stating your concerns; be brief but use your own careful words rather than using a template letter.

Keep all the copy correspondence, to and from, for the ICO and FOS, as shown in the links below.
http://www.ico.gov.uk/complaints/data_protection.aspx

http://www.financial-ombudsman.org.u...complaints.htm

Hi Angry Cat thanks for the reply.

Am I right in thinking the unresolved disputes #16 means that they will probably default me anyway? I can't seem to get my head around what its saying.

Would my case come under ICO jurisdiction, as its not data protection? Should I also complain to OFT as they were the ones to chastise MBNA last year?

[Differentjudge]

Re: Who to complain to, and how?

imtaking my complaint to the oft

http://www.oft.gov.uk/shared_oft/pre...quirements.pdf

[charitynjw]

Re: Who to complain to, and how?

Hi Angry Cat thanks for the reply.

Am I right in thinking the unresolved disputes #16 means that they will probably default me anyway? I can't seem to get my head around what its saying.

Would my case come under ICO jurisdiction, as its not data protection? Should I also complain to OFT as they were the ones to chastise MBNA last year?

http://www.ico.gov.uk/for_the_public...es/credit.aspx

[leopard lady]

Re: Who to complain to, and how?

Thanks foe the link, but that link is taking me to info on details held by credit reference agencies which doesn't appear to be relevant to my situation. Should I be looking somewhere else on the website?

[leopard lady]

Re: Who to complain to, and how?

Drastic step I know, but I have not sent this months payment. After 6 months of trying to set up a formal payment plan, paying what they asked, and my letters ignored, and being stone walled at every stage, I feel I am wasting my time.

I have weighed up advice from other forumers and am going to write to MBNA saying the account is in dispute as they refuse to communicate with me, and send complaints to OFT, FSA, fos, and as angry cat advised, ICO, but am still a bit unsure of the relevance.

If anyone can think of any more I'd be grateful.

[WendyB]

Re: Who to complain to, and how?

If you don't pay, they'll default you sooner, and take you to Court sooner. Simple, really. I suppose at least once you get to Court the judge will probably order an instalment plan which you can afford, so that's one good thing. Can't think of any more, though.