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MBNA - Urgent Advice Needed
Bobbi_Dazzler
Posts: 3 Newbie
MBNA - Urgent Advice Needed 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 payment 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
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
0
Comments
-
Hi
MBNA are about as good as your partner when it comes to keep proper records. These threats are computer generated and they have not got a clue.
The other thing is that they did not get the legally required documentation for a high percentage of their accounts.
i suggest he sends a letter demanding a CCA and we will see where they stand.
The other option is to set up a Standign Order to make the payments and put in a formal complaint to MBNA compliance officer. If you do not get a sensible answer complain to the OFT and trading Standards.If you've have not made a mistake, you've made nothing0 -
Thank you RAS.
What is a CCA?
I am new to this so not up to scratch on all the terms.
Many thanks,
Ms Bobbi Dazzler0 -
Totally agree with RAS. It's time to request a copy of the customer credit agreement (CCA) and put the pressure on them for a change.
Details: http://forums.moneysavingexpert.com/showthread.html?t=578486
Template: http://forums.moneysavingexpert.com/showthread.html?p=11636295#post11636295After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91
Dad Gift 6k ¦ Savings & Inv Tst: £2,500
Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0
Total Owed: £2,270 (+6k) 11/08/20110
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