Got an MBNA C/C Written Off - March 2008!

PROLIANT

Cashpig74 wrote: »

ONE THING IS FOR SURE - I wont be scanning anything onto this website..

Why not? Just remove any personal data from the image.

Cashpig74

NickX - I understand. I got a call only last week from the Collection Manager stating this to me and I tripled checked it with her. I think the fact that they may have done that is simply cos I point blank refuded to accept any responsibility for the card, and so many CSA's had called me re: payments etc.. and I had been given so much contradictory info its not funny.. They MUST have had access to some of the calls and seen for themselves that their staff had done them no favours.

i do not dispute the possible basics of the benefits, I complained about the way it was worded and therefore sold to me at the time. Nothing like what it actually / apparatenly turned out to be.

i am waiting for written confirmation and of course, I was told I would receive it in the post.

if I do not and they dispute giving me a cleared card - then I am going to be in the same position as far as being willing or unwilling to pay based on the complaints.

I did write about 20 letters to them almost, 1 per week!!

NickX

Cashpig74 wrote: »

I did write about 20 letters to them almost, 1 per week!!

Well my own experience in these matters and other types of complaints is that persistence pays dividends. I have just received some substantial compensation from a mobile phone provider for putting incorrect information on my Credit File.

I think eventually they just want to get rid of you and will take a hit to do so. Still £5600 is quite a hit for them to take, so hope you receive your written confirmation shortly.

Cashpig74

LOL thanks mate - I too got some money back from a mobile phone provider - i rang them and said my mate was getting sky sports access for free on my deal and that i wanted the same thing - he said ok - for FREE, and before I knew it, he had put me on a new price plan!!

I complained after my bill was mental - and they eventually gave me back the price plan i was previouly on and the £66 they owed me in taking more money!


unreal. they do it because theu know that most ppl do not complain.

bert&ernie

PROLIANT wrote: »

Replication is used by Oracle, Microsoft SQL Server database servers for synchronising data between server databases’s ergo replication.
If you move Stateside or to Europe, any data from the UK will either appear as linked addresses and/or previous addresses entered, weather you declare them or not.

I know what replication is, but the physical location and distribution of the data has no bearing on the rules surrounding its use.

I don't think you are correct about UK data being visible to European and US subscribers. Data from outside the UK is certainly not accessible by UK subscribers. As far as I am aware, the data is collected for use in the UK and the DPA prohibits its use outside of the UK.

This isn't to say that the CRAs necessarily use exclusively UK datacenters. Incidentally, the Experian's UK consumer bureau seems to rely heavily on mainframe technology like IMS, VSAM, CICS and DB2 on z/OS.

PROLIANT

bert&ernie wrote: »

I know what replication is, but the physical location and distribution of the data has no bearing on the rules surrounding its use.

I don't think you are correct about UK data being visible to European and US subscribers. Data from outside the UK is certainly not accessible by UK subscribers. As far as I am aware, the data is collected for use in the UK and the DPA prohibits its use outside of the UK.

This isn't to say that the CRAs necessarily use exclusively UK datacenters. Incidentally, the Experian's UK consumer bureau seems to rely heavily on mainframe technology like IMS, VSAM, CICS and DB2 on z/OS.

Yes, Main-Frame technology is essential to the infrastructure to these companies, however cross-site replication must be in place for not only data redundancy but also security and propagation and analytics (Data mining)

NickX

PROLIANT wrote: »

Complaining for a legitimate reason and re-claiming monies taken due to error of a service provider i.e. a Telecoms, Utility or Bank is fine and I do not have an issue with that

Well as far as I can see in this thread, stripping through the colourful language and general abuse, Cashpig74 has made a complaint to MBNA because he felt he was miss-informed by their staff.

Agreed that the fact that gambling transactions are treated as cash withdrawals is buried in the Terms and Conditions but if MBNA staff said otherwise then there may be grounds for a complaint.

My own experience is that such a complaint could possibly result in MBNA cancelling any unforseen charges and refunding any interest acrrued due this miss-understanding. This is the kind of resolution I would expect, however for reasons that are not completely clear MBNA have decided to write the entire debt off. Surely that is their right and if they make that decision then so be it. As I said before I think the beers should be on Cashpig74 for the next year or so

bert&ernie

to the OP:
I dont want to pee on your parade, but are you sure they said "write-off", and not "charge-off"? You see, after 180 days, most lenders will automaticallu charge off an account - this means that they are realising the loss and charging it to their P&L account. It doesn't mean that they have given up all hope of recovering the money, just that they have to account for the fact that they no longer expect to collect the account. The can, and usually do, continue to take recovery action and this usually ends up with them selling the debt on to a 3rd party debt buyer.

Write-off and Charge-Off seem to be used interchangeably. Either way, they may well still pursue you.

Cashpig74

I would happily buy beers for all, but the poison would be an extravagant expense. (Dont drink the red wine nickx) !!

However, back to the point you made, they did offer me all my charges and interest wiped clean a few months earlier, but i still wrote and complained that this was not good enough.

PROLIANT

Cashpig74 wrote: »

Whilst I understand and comprehand your moral issue here, that's all it is, al moral one.

But the fact remains, it is a business agreement and the lending and borrowing of money is all down to the contract details and rules in which was lent by. If they are wrong, then they are wrong and there is nothing illegal or immoral about someone exercising there right for recompense.

It's what the act states. The banks do not care, they have insurance to cover their losses.

Do you not read the newspapers? Have you not seen how bad the people are that run these organisations? Fred Goodwin for example.

It's your attitude towards NOT acting, that makes people like that so well off.

So let’s just add to the national economic crisis and drive interest rates and prices up through fuelling the compensation culture?
The majority who do the right thing and repay their debt etc will suffer because of a growing minority of free-loaders.