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

Cashpig74

Kavanne - MBNA are not trying to stop me from getting in debt - if anything they WANT me to get in debt...

The only person looking silly here today is you. -

Erm, I have a £5,600 debt written off NOT at my request.

I gave every sales advisor the chance to tell me everything about the offer and chose to pick and choose the best bits for them. That's misleading.

End of.

It was sold to me verbally, so I expect to truth to be told -esp when Im told that "no matter what the outstanding balance is" - "I only have to make payments of £25 for the first 12 months". QUOTE 5 SALES ADVISORS.

You people are unreal. You just cannot accept that this is what happened.

I do not give a Sh*t about the terms and conditions on paper, they have a duty to inform ome n a telephone purchase which is what the sales was based upon, the facts and if they introduce a special benefit with the card, AND I ask questions in relation to clauses etc.. AND they still tell me a load of twaddle, then they are in the wrong.

simple.

Cashpig74

Halloway - you miss the point. It wasn't a minimum payment of £25 - it was "only £25 per month until May 2009 REQUIRED" regardless of the outstanding balance.

So I asked the sales advisor - " so if I have £6,000 outstanding tomorrow, i only have to pay you £25 when my statement comes?"

Advisor: "YES".

Get it?

YorkshireBoy

Halloway wrote: »

Until recently I held a MBNA credit card. MBNA recently changed the minimum payment to £25 or a particular % (I forget what it was), whichever was higher.

It's now either

£25

or

interest + £5

whichever is the greater.

So it'll always be £25 during the 0% intro period.


When the OP took his card out the T&C's were as I reproduced in post #2.


Just a thought...wonder if this thread would be useful to MBNA? That is if it's still around tomorrow?

Kavanne

Cashpig74 wrote: »

Kavanne - MBNA are not trying to stop me from getting in debt - if anything they WANT me to get in debt...

The only person looking silly here today is you. -

Erm, I have a £5,600 debt written off NOT at my request.

I gave every sales advisor the chance to tell me everything about the offer and chose to pick and choose the best bits for them. That's misleading.

End of.

It was sold to me verbally, so I expect to truth to be told -esp when Im told that "no matter what the outstanding balance is" - "I only have to make payments of £25 for the first 12 months". QUOTE 5 SALES ADVISORS.

You people are unreal. You just cannot accept that this is what happened.

I do not give a Sh*t about the terms and conditions on paper, they have a duty to inform ome n a telephone purchase which is what the sales was based upon, the facts and if they introduce a special benefit with the card, AND I ask questions in relation to clauses etc.. AND they still tell me a load of twaddle, then they are in the wrong.

simple.

I don't dispute what you signed up for, my above post shows how that might have translated to the payments you were asked for. Cash advances (ie: the gambling) is not part of your offer so that is why interest was charged thus the payments were a lot higher than if you had, say, bought a 3 piece suite for £5600 (and a bloody nice one it would have been too!)

See Yorkshire Boy's post above.

Cashpig74

Oh Yorkshire Boy trying to act as PC plod.

MBNA wrote the balance off - their decision. and I didn't sign the agreemnt as "cashpig" so they might find it hard to trace..!

Ive done nothing wrong at all - I believe I have been mislead by the sales team and their advertising campaign. I did not know a lot about credit cards at the time - i was a regular average joe to them which fell for the sparkly offer in the window... I know am wiser to this kind of false advertising.

Cashpig74

Oh just a thought - how would YorkshireBoy KNOW what my t and c's were?

He seems to know an awful lot about my card and agreement which he has never seen. very presumptious.

jamalfatty

Cashpig74 wrote: »

Oh just a thought - how would YorkshireBoy KNOW what my t and c's were?

He seems to know an awful lot about my card and agreement which he has never seen. very presumptious.

Maybe because they are standard across the product range?! You think they have a lawyer draft up a new set for each customer?

PROLIANT

CashPig, apart from being an irresponsible, scumbag, lowlife, toe-rag - you appear to come across as a complete div!

Halloway

Cashpig74 wrote: »

Get it?

Unfortunately, when it came to terms and conditions, you did not.

Are you sure MBNA didn't cancel your debt simply to be rid of you? Were you this unpleasant when you dealt with MBNA?

YorkshireBoy

Cashpig74 wrote: »

I didn't sign the agreemnt as "cashpig" so they might find it hard to trace..!

I wouldn't bank on it. This thread will be dynamite to MBNA when they defend themselves to the FOS/DPR, whichever route you go.

With every post you make you provide a little more 'evidence'. Shouldn't be too hard to work it out (if true that is). :rotfl: