All MBNA Caggers Fight Against MBNA's underhand tactics

[angry cat]

MBNA, had quite a few 'important changes' to their PPI Cover!

AC

[SteveH2508]

MBNA seem hellbent on confusing themselves. (three syllable words are a mystery in the Chester Puzzle Palace)

16 digit account numbers seem to cause mental meltdown!

[underdog13]

Originally Posted by SteveH2508

MBNA seem hellbent on confusing themselves. (three syllable words are a mystery in the Chester Puzzle Palace)

16 digit account numbers seem to cause mental meltdown!

Ah, that explains why they are a telephone bank then, and cannot string a letter together

[alisindebt]

just received a letter from Lowell's debt collectors, who purchased a credit card debt of mine from MBNA, previously Abbey National, a few years ago. The debt was just over 10 thousand pounds.

I sent off a payment in May 2009 to get a copy of the CCA. They said it was taking a long time to search for it in a recent letter.

Yesterday, I was informed that Abbey did not keep records going back that far and the debt has been written off. Simple as that.

For completeness, I also have two other CCAs with Egg and they are both in dispute because they are unenforceable, as apparently were many loan agreements from Egg dating back to that time-mine were 2002 and 2003. these debts cannot be legally collected and cannot be challenged in the county court (I live abroad anyway!).

Hope this encourages you.

[Capricorn1601]

expect many more of those, we are still investigating letters. It just proves how incompetant they are.

[angry cat]

Originally Posted by Capricorn1601

expect many more of those, we are still investigating letters. It just proves how incompetant they are.

And when their investigations are completed, you will receive the stock answer;
we will not enter into any further correspondence with you.

AC

[alisindebt]

If it helps, I can you scans of all letters and contracts, but we will have to do it through secure messaging. Also the letter I sent to capQuest that put the fear of god into them!

Originally Posted by Capricorn1601

expect many more of those, we are still investigating letters. It just proves how incompetant they are.

[alisindebt]

There are two easy answers to that:

Firstly, in that case, I don't expect hear anything else from them about collecting the alleged debt.

Secondly, whether they want to reply or not, it's all down to the law. If they have tried to collect and continue to try and collect, unlawfully, an unenforceable debt, they may choose not correspond with me (lucky me ), but they will have to correspond with all the regulatory bodies, such as the OFT, Banking Ombudsman, etc.

Both scenarios suit me.

Originally Posted by angry cat

And when their investigations are completed, you will receive the stock answer;
we will not enter into any further correspondence with you.

AC

[Capricorn1601]

Originally Posted by alisindebt

If it helps, I can you scans of all letters and contracts, but we will have to do it through secure messaging. Also the letter I sent to capQuest that put the fear of god into them!

yes please, I like to be prepared

[Capricorn1601]

Originally Posted by angry cat

And when their investigations are completed, you will receive the stock answer;
we will not enter into any further correspondence with you.

AC

Just had that response from CrapOne. All they keep sending me is the round robin recycled paper poor excuse of an agreement.

[AA99]

Yesterday, I was informed that Abbey did not keep records going back that far and the debt has been written off. Simple as that.

How far back was that

[angry cat]

interesting, I have an old abbey national, savings card account;
went into the local branch requesting general details;
they couldn't find any docs;
mislaid...incompetance.

I have only approx £40 in the account but they hold no records; roll eyes.

Now, I have to battle with, Santander.

Good grief, what goes on in these firms?

Sorry, a bit off topic but relevant.

AC

[alisindebt]

1999, so 10 years, no CCAs.

Originally Posted by AA99

How far back was that

[cashins]

Interesting, have Restons fallen out of favour?

http://www.consumeractiongroup.co.uk...e-sold-my.html

David

[alisindebt]

Hi David

Who is the DCA? Lowell's?

Anyway, whoever they are do a full CCA and SARS request on them using the standard template letters. Send a payment for 1 pound for the CCA and 10 pounds for the SARS.

Personally, i would recommend in your SARS request also asking for a coopy of the ded of assignment or transfer document-this shows that they have actually got the rights to the debt.

Remember at all times, it is up to the collector or DCA to prove that they are entitled to collect the debt, it is not your job to do that work for them.

Originally Posted by cashins

Interesting, have Restons fallen out of favour?

http://www.consumeractiongroup.co.uk...e-sold-my.html

David

[cashins]

Interesting, have Restons fallen out of favour?

Of late MBNA seem to have been coming away from their long standing policy of selling on the debts.

This has usually taken the form of direct legal action through Restons.

Point of flagging the thread was that, for whatever reason, it doesn't always seem to be the case.

David

[underdog13]

Could it be they pass the ones they think they can win to Restons and flog off the duds?

[landy_alert]

Originally Posted by underdog13

Could it be they pass the ones they think they can win to Restons and flog off the duds?

Following on from this, has anyone who's account has been sold to a DCA actually been taken to court by that DCA? Just wondering whether it was possible to prove/disprove U/D's theory

Apex are now getting serious with their threats of this to OH, so I'm pondering the likelihood that they will go the whole hog and issue proceedings........

[underdog13]

Didn't mean to imply that DCAs would not take the court route - whether account is a dud or not

Think most creds, whether OCs or DCAs, are so arrogant and greedy and have their heads so firmly wedged up their own behinds, they will go stampeding on, even if it's over a cliff.....

[underdog13]

Note also I said the ones they THINK they can win