MBNA and the retired

ananewman_2

Hi
Im helping an elderly relative with his finances and have written a few letters to MBNA but they are refusing to accept any arrangement, they refuse to set up a authority for me even though my relative wrote to them and asked that they speak to me and they also refuse to not phone my relative.

He is 75 years old, retired and has only a state pension. I sent MBNA a budget, asked that they accept a £50 arrangement but they refused. I wrote again and explained about my relatives health problems again they refused. My relative rang MBNA and gave permission for me to speak but they were rude and refused to listen.

I wrote another letter on behalf of my relative again asking for the charges to be dropped and an arrangement to be made - refused again

My relative then tried to commit suicide as he thought death was the only way out, we wrote again to MBNA but again they refused an arrangement and to write off the debt.

My relative is paying only £50 a month which is more than he can afford, he is constantly worried and not only this MBNA keep calling when he cant speak very well and he also has constant letters from RMA.. whoever they are?

Can anyone help with some advice on what we can do next as MBNA refuse anything we do and i am so worried that next time my relative will be successful at his attempt to die that i dont know what to do.

Thanks for your help

Ana

never-in-doubt

Deleted_User wrote: »

Hi
Im helping an elderly relative with his finances and have written a few letters to MBNA but they are refusing to accept any arrangement, they refuse to set up a authority for me even though my relative wrote to them and asked that they speak to me and they also refuse to not phone my relative.

He is 75 years old, retired and has only a state pension. I sent MBNA a budget, asked that they accept a £50 arrangement but they refused. I wrote again and explained about my relatives health problems again they refused. My relative rang MBNA and gave permission for me to speak but they were rude and refused to listen.

I wrote another letter on behalf of my relative again asking for the charges to be dropped and an arrangement to be made - refused again

My relative then tried to commit suicide as he thought death was the only way out, we wrote again to MBNA but again they refused an arrangement and to write off the debt.

My relative is paying only £50 a month which is more than he can afford, he is constantly worried and not only this MBNA keep calling when he cant speak very well and he also has constant letters from RMA.. whoever they are?

Can anyone help with some advice on what we can do next as MBNA refuse anything we do and i am so worried that next time my relative will be successful at his attempt to die that i dont know what to do.

Thanks for your help

Ana

Ok, MBNA have to be careful as they bordering harassment which as you know is illegal.

I'd make a major decision from the following;

1. the relative is 75 - does he ever need credit again? If not then best to ignore MBNA and after 6rys the debt becomes statute barred
2. does the relative really want to pay this or is he being forced to repay it?

Forget the moral right and wrongs. If he doesn't need credit again then it may be better to simply walk away and ignore the lender - eventually they will give up and go away!

Dollydealer

I am going through exactly the same thing with MBNA with my Dad's account and have spoken to 16 different people since March who all ask me to go through an income and expenditure statement every single time even though I have actually written a six page letter to them attaching a completed statement and asking them to set up an arrangement and each and every time they ask me to go through this again as no-one has set the arrangement up, it is driving me mad so I now refuse to take any of their calls and my dad just hangs up on them.

Firstly send a permission letter to get your name on the account via special delivery and then at least you are covered and they can't deny they received it.

I have been looking into what my next step is going to be as I cant get anywhere with them and have instructed my father not to speak to them on the phone and just to say that his daughter is dealing with the account and then put the phone down (this seems to be working for now), he is going to keep paying his £50 per month which has been worked out using the citizen's advice bureau calculations (which are accepted by county courts) and not to worry about it. I think my next step is to write to them one more time stating again what my dad can afford to pay and that this is all he will be paying until further notice, and that we won't be speaking to any of their staff again via telephone unless I ring them, and that I am going to the Financial Ombudsman as I feel that we have reached a deadlock and I want them to step in to sort out an agreement - I think (or am hoping) that this may have the desired effect and they will finally set up this arrangement. I am also going to let them know that what they are doing is illegal and if they don't stop I will be reporting them for harrassment.

Sorry to have gone on a bit but hope this helps a little but please tell your relative not to worry and to just pay what he can afford and that they can't do anything to him other then send the account to county court (which I bet they won't do as you are doing everything you can to sort it out), they can't send baliffs round despite what they might tell you. I actually wish they would send my dads account to court then at least it would get sorted:o.

I'll let you know how I get on.

ananewman_2

Dollydealer wrote: »

I am going through exactly the same thing with MBNA with my Dad's account and have spoken to 16 different people since March who all ask me to go through an income and expenditure statement every single time even though I have actually written a six page letter to them attaching a completed statement and asking them to set up an arrangement and each and every time they ask me to go through this again as no-one has set the arrangement up, it is driving me mad so I now refuse to take any of their calls and my dad just hangs up on them.

Firstly send a permission letter to get your name on the account via special delivery and then at least you are covered and they can't deny they received it.

I have been looking into what my next step is going to be as I cant get anywhere with them and have instructed my father not to speak to them on the phone and just to say that his daughter is dealing with the account and then put the phone down (this seems to be working for now), he is going to keep paying his £50 per month which has been worked out using the citizen's advice bureau calculations (which are accepted by county courts) and not to worry about it. I think my next step is to write to them one more time stating again what my dad can afford to pay and that this is all he will be paying until further notice, and that we won't be speaking to any of their staff again via telephone unless I ring them, and that I am going to the Financial Ombudsman as I feel that we have reached a deadlock and I want them to step in to sort out an agreement - I think (or am hoping) that this may have the desired effect and they will finally set up this arrangement. I am also going to let them know that what they are doing is illegal and if they don't stop I will be reporting them for harrassment.

Sorry to have gone on a bit but hope this helps a little but please tell your relative not to worry and to just pay what he can afford and that they can't do anything to him other then send the account to county court (which I bet they won't do as you are doing everything you can to sort it out), they can't send baliffs round despite what they might tell you. I actually wish they would send my dads account to court then at least it would get sorted:o.

I'll let you know how I get on.

I think I will threaten them with the FOS too.. Hope we both get what we want. Good luck and please let me know how you get on and I will keep you posted too.

Thank you soo much its good to know we arent alone.

bigbum_2

Deleted_User wrote: »

Hi
Im helping an elderly relative with his finances and have written a few letters to MBNA but they are refusing to accept any arrangement, they refuse to set up a authority for me even though my relative wrote to them and asked that they speak to me and they also refuse to not phone my relative.

He is 75 years old, retired and has only a state pension. I sent MBNA a budget, asked that they accept a £50 arrangement but they refused. I wrote again and explained about my relatives health problems again they refused. My relative rang MBNA and gave permission for me to speak but they were rude and refused to listen.

I wrote another letter on behalf of my relative again asking for the charges to be dropped and an arrangement to be made - refused again

My relative then tried to commit suicide as he thought death was the only way out, we wrote again to MBNA but again they refused an arrangement and to write off the debt.

My relative is paying only £50 a month which is more than he can afford, he is constantly worried and not only this MBNA keep calling when he cant speak very well and he also has constant letters from RMA.. whoever they are?

Can anyone help with some advice on what we can do next as MBNA refuse anything we do and i am so worried that next time my relative will be successful at his attempt to die that i dont know what to do.

Thanks for your help

Ana

Hi Ana, really sorry to hear about the problem you're facing.

I don't really have any advice to offer but maybe you could try getting in touch with your local CAB or the National Debtline. With any luck they'll be able to advise and maybe even help you with getting authorisation over the account.

National Debtline no: 0808 808 4000
Or you could try Consumer Credit Counselling Service - 0800 138 1111

Hopefully, more knowledgeable people will be along to help.

All the best. x

bigbum_2

Ha, ha - by the time i posted, a more knowledgeable person had posted. :T

I'll go away now

bigbum x

debtdestroyer007

he should qualify for a debt relief order......after 12 months the debt will be written off

never-in-doubt

debtdestroyer007 wrote: »

he should qualify for a debt relief order......after 12 months the debt will be written off

there is that but at 75 i'd be prone to just walking away anyway - they can't touch him! its a shame they do this to older people, at least we can handle them and tell them where to go - they intimidate the elderly and its disgusting.....

& people on here wonder why i'm anti banks!

debtdestroyer007

yeah i agree, on ur side mate.... well said

never-in-doubt

debtdestroyer007 wrote: »

yeah i agree, on ur side mate.... well said

thanks mate - good minds

ananewman_2

My relative got a card today from RMA stating that they will be calling on Friday between 8am and 9pm. I told my relative not to worry but he was scared that someone would call round. So I rung RMA about it and they laughed at me, I asked why someone would be calling round and they said it was not calling round it was telephoning. I asked if they were trying to scare my relative into paying and they said yes. I also asked if the line was recorded and again they said yes.

What else can i do or write to get these people to stop harrassing my relative, he is too old to be so scared. It even shook me up when i spoke to RMA.