Is MBNA within its rights to ask me to do this ?

Villaman_2

I was on an interest free repayment plan of £60 pcm with MBNA after falling behind with my credit card repayments. The total owed was around £3600. Last December I changed all my d/d,s and s/o,s from my old Halifax Cardcash a/c to my new updated Halifax Ultimate Reward a/c. During this changeover my December repayment to MBNA was missed. I admit I did not keep an eye on matters until MBNA contacted me in March to point out that 3 payments had been missed. I paid one instalment of £60 and arranged for a new income and expenditure form to be completed in order to re-start the interest free payments. I agreed a fee of £69 pcm with the lady I spoke to on the phone. I paid the first instalment on 25th April. Last week I had another call from MBNA to discuss an error on my IE form. I had omitted the HP agreement for my company van, which had showed up on their credit search. However, as it is paid directly through my business and not out of the salary which I had declared, and so it was deemed not to effect my monthly financial declaration.
While we were talking the MBNA employee pointed out that I had declared £63 pcm for Sky TV/Telephone/Broadband. He decided that this was excessive and demanded that I downgraded my Sky package by cancelling the Movies and Sports package in order to make a small saving on this "unnecessary" (in his words) expense. I refused, telling him that I had already sold my car, stopped going out, have no holiday plans, and so all and my family and I have left is the TV as entertainment. I offered him another £8 pcm but I would keep the Sky package. He refused, saying he wanted proof that I was really intending to make savings, and he would want documentary evidence from Sky that I had actually cancelled the Sports and Movies. If I refused or did not comply, he would not authorise the interest free £69 pcm which I had already agreed. I was speechless to begin with but then told him in no uncertain terms where to go. I am absolutely fuming at having this gun held to my head. Are they within their rights to demand I make this one final small economy, considering I offered them an extra £8 anyway ?
Apologies for the long winded story.:mad::mad::mad:

never-in-doubt

no they can not tell you to do this. reply saying tell you what, i'll just default and then see what you get out of me! If you made an offer of £10 per week, most judges in the land would ok it and refuse any defult/ccj so they are taking advantage of your niaivity to credit and in particular the CCA.

that should shut him up - the cheek of some people! your credit file is now trashed for 6yrs so to be honest whether to pay or not will have no bearing on future dealings as you wont get much credit now til the dmp drops off after 6yrs!

Parki_2

While I was on my DMP I could never get MBNA to stop the interest. Is it possible to claim it back?

never-in-doubt

Parki wrote: »

While I was on my DMP I could never get MBNA to stop the interest. Is it possible to claim it back?

it is but in your case i'd let sleeping dogs lie mate - you are cheeky lol :rotfl:

Villaman_2

never-in-doubt wrote: »

no they can not tell you to do this. reply saying tell you what, i'll just default and then see what you get out of me! If you made an offer of £10 per week, most judges in the land would ok it and refuse any defult/ccj so they are taking advantage of your niaivity to credit and in particular the CCA.

that should shut him up - the cheek of some people! your credit file is now trashed for 6yrs so to be honest whether to pay or not will have no bearing on future dealings as you wont get much credit now til the dmp drops off after 6yrs!

Thats exactly what I,ll do. I have 2 other C/C debts both on interest free plans, both of which I owe more than MBNA, although they accepted £52 and £60. One of them,HSBC has put a charge on my property,until it is paid off but as I have no intention of moving and its interest free,I,m not bothered.
Thanks for your advice.

Parki_2

never-in-doubt wrote: »

it is but in your case i'd let sleeping dogs lie mate - you are cheeky lol :rotfl:

Well I was gonna kick up more of a fuss at the time. But I just couldnt handle them ringing me all the time. It was like I had a new best friend.

chattychappy

Villaman wrote: »

I had declared £63 pcm for Sky TV/Telephone/Broadband. He decided that this was excessive and demanded that I downgraded my Sky package by cancelling the Movies and Sports package
...
I was speechless to begin with but then told him in no uncertain terms where to go. I am absolutely fuming at having this gun held to my head.

I'm sure there are many on here that would have made such a cut back in order to get their debts paid off - especially in return for an interest free deal.

The answer is yes they can ask you. Ultimately is negotiation until someone (ie they) goes to Court.

I don't blame you for going for the best deal you can, but I wouldn't get upset when MBNA try for the best deal they can get. This conversation only happened because you'd missed 3 payments on the previously agreed deal.

Degenerate

Frankly, MBNA are right. If you're in a situation where you're supposedly struggling to pay your debts, then spending £63 a month on Sky is ridiculous.

ILW

What is it with Sky packages that many seem to consider it a basic human right?

epsilondraconis

Tell them that you're okay to get rid of the sports and movies, but the soft-!!!!!! is staying.

Ansu

The CCCS consider anything about the basic £22.00 package a luxury (and only then because people are usually tied into contracts), and most banks would decline an arrangement if you were spending such amounts on Sky TV. It is a reasonable request for them to ask this, and a sensible one as well.