MBNA - Urgent Advice Needed

Bobbi_Dazzler

My partner has an MBNA card that he wishes he had never been given. It is no longer in use and he is just paying it off. He has been paying it off for some time now. MBNA have agreed a paymnet plan but they are STILL sending threatening letters even though he is meeting the monthly payments. TODAY they sent a letter saying 'their investigations show that you are a property owner' - NOT TRUE we rent. How can they get this so wrong and we have never had a mortgage either of us anyway. They refuse to confirm in writing what they have agreed verbally. They say it is their policy not to send letters confirming payment plans.

My partner is very, very bad at keeping track with his debts and he does not have too many but it drives me crazy and causes HUGE problems in our relationship - well for me it does as I am totally on top of all my debts and I have a lot but I know to the penny what I owe, what I have and don't have.

How can I help my partner? I am angry that he does not sort this out as a priority and I am amazed that MBNA can be so unprofessional.

Any advice greatly appreciated.

Thanks.

Ms Bobbi Dazzler

YorkshireBoy

If they won't put in writing what was agreed verbally, then you should do so.

Write them a (complaint?) letter summarising the situation and detailing your understanding of the verbal arrangement given by [insert MBNA contact name] on [insert date] at [insert time of call].

That way, you're at least inviting them to comment. After all, with names, dates, & times they can hardly deny it can they?

NickX

Bobbi_Dazzler wrote: »

TODAY they sent a letter saying 'their investigations show that you are a property owner' - NOT TRUE we rent. How can they get this so wrong and we have never had a mortgage either of us anyway.

I think this is an intimidation technique. They are making an assumption that you own your house and suggesting that they may be able to take it from you.

In fact, even if you did own your house, the debt is not secured on the property and they would have to go to court to get a charging order on the house.

Its almost a case of blackmail by implying that they are going to take control of your property. As you rent anyway, this is all pretty meaningless.

I agree with YB that you should make your formal offer to them in writing with justification as to why this is the amount you can afford.

It may be an idea to post on the DFW (Debt Free Wannabee) board here where many helpful posters have beaten bad debts and can offer good advice.

In addition the CAB (Citizen's Advice Bureau) offer a free service, will negotiate with your creditors on your behalf and have access to professional legal expertise if required.

Good Luck.