Bit of help with MBNA please?

theunknownstuntman

My sister is in some financial trouble, but thanks to this website has contacted CCCS and is slowly sorting herself out.

She had an Alliance and Leicester card with MBNA and has been making token payments. They have pestered and harrassed her via home phone, mobile phone and email. A letter went off on the 17th July recorded delivery demanding these forms of contact stop and was signed for on 20th July.

Now, she recieved 3 emails yesterday within a 20 minutes period offering a 'special offer'. She replied explaining that she will not deal with them this way and that they knew this via letter.

A reply came back today (via email ) saying this:
[FONT=&quot]We have received your letter only yesterday the 28th. We have sent you emails as you have requested to deal in written correspondence. [/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]Apologies for the emails. We do not wish to harass you just get this sorted[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]If you are happy to deal with this via email reply and state this and I will send you some options to help you[/FONT]


She also received another text, this time offering upto a 60% reduction in her bill... is it worth her asking for a CCA? I asked her when she took out this card, and she said over the phone 2 1/2 years ago.

Any advice on how to tell them (politely) to stop harrassing her?

Cheers guys,

Stunty.

theunknownstuntman

BUMP
Anyone help?

Wol2

Oh.......This is a very interesting (and worrying) development..it appears that the standard harassment letter requesting only letter contact is now being interpreted as emails count the same as letters.

We will drop a PM to Fermi to have a butchers at this before going any further on the advice front...as it seems they are trying new tactics and everyone (ie including debt counselling agencies) needs to be aware of this.

For what it's worth..I think you should send the harassment letter again(amended to your circumstances) requesting all email/text message/electonic forms of communication correspondence stop forthwith...and only letters BY ROYAL MAIL POSTAL DELIVERY will be accepted.........and saying if this is breached any further you will report them to "the relevant authorities" (ie OFT and others... but we need to determine that) for harasment

Sorry, bit on the hop tonight.... will think about this overnight and maybe have a fuller response for you tomorrow..

Stay strong....

xxxx

Stay strong....

xxx

boredofbeingathome

You could ask for a SAR, detailing all their doings with her.Oh and report it to their complaints dept too. I am just about to do this with Mr.B and Crapital one. Funnily enough MBNA have been ok with him and Capital One are behaving exactly the same to him as to your sister.

Is there any chance though that she could make an arrangement to pay the 60% as a full and final? Sometimes they will do this over a period of time?

theunknownstuntman

Cheers for the reply Wol2, I've checked and my sis states that the letter she sent stated that she would not accept communication via phone call OR email, she's sending me a copy to check for you. I agree, it's a bit worrying!

boredofbeingathome

Just had another thought, you can ask them to remove telephone numbers off their system and insist that correspondence is to a stated address too.

theunknownstuntman

boredofbeingathome wrote: »

You could ask for a SAR, detailing all their doings with her.Oh and report it to their complaints dept too. I am just about to do this with Mr.B and Crapital one. Funnily enough MBNA have been ok with him and Capital One are behaving exactly the same to him as to your sister.

Is there any chance though that she could make an arrangement to pay the 60% as a full and final? Sometimes they will do this over a period of time?

Sadly, no, she cant raise the cash, and I can't lend it her either, or I would. At least MBNA have been ok with someone!

boredofbeingathome

theunknownstuntman wrote: »

Sadly, no, she cant raise the cash, and I can't lend it her either, or I would. At least MBNA have been ok with someone!

Swings and roundabouts with them isn't it? After watching the dispatches show about DCA's and the way that debt is collected i have no compunctions about dealing with them in the same vein back.

Sorry about her situation though, and its a shame about raising the cash.

Arwen

If you have online access to your MBNA account, you can change your phone numbers on that. The local chinese takeway might like a call.:D

boredofbeingathome

Arwen wrote: »

If you have online access to your MBNA account, you can change your phone numbers on that. The local chinese takeway might like a call.:D

Or better still give them capital one's number...i have barred 8 of them so far if you want one:cool::rotfl:

theunknownstuntman

lol, that's sheer genius guys and has given me a great laugh, I've passed your wisdom onto my sister and she's had a good laugh for the first time in a while.... would love a Crapital One number BoBAT if you've got one spare.....