Help with MBNA CC CCA please!

oki25

If you are in financial difficulty and cannot meet your monthly min payment, call them and say so, your account can be passed to a review team who will assess the best route for you, or if you are already in arrears call and ask to be put through to customer assistance.

the best thing you can do if you think its too late for these options is contact citizens advice and get some free unbiased legal assistance. The assistance team can give you some numbers of outside not for profit companies

Hope this helps

fry

Ok, thanks for that never, much appreciated but I am a little confused now cos I think you've taken my post the wrong way. I said what I said in post #26 in a jovial way but I don't think it's come across like that, besides which you directed me to imageshack in post #22 anyway???

I'm 48 years very old and usually older than anyone in the same room (sometimes building) so maybe I just don't understand the younger generation anymore??

I'm confused as to why you mentioned the legwork though as I have done it all to the point of re-checking the agreement as you suggested.

My opinion of the agreement was that all the terms are there therefore I am stuffed and I was fully expecting someone on here to tell me that so it's a pleasant surprise to discover I'm wrong. That's what I came to this forum with in post #1 and that's why I asked someone to have a look in case I was wrong.

It seems my decision to do that has paid off so that does make me feel a bit better for bugging you guys here. If I hadn't come to this forum I would have still been thinking they had me over a barrel and drowning my sorrows in a crate of stella (which I can't afford)

fry

Hi oki25

You sound like you work for one of these companies???

I did what you suggest with mbna and they were not interested.

I asked them to reduce the interest rate back down to a standard level of 15%-20% from their current level of 35% but they were not interested. I asked them deduct some of the £12 charges they were adding every month so that my overlimit of about £30 would be cleared and therefore not be causing it to be charged and they were not interested.

Failing the above I asked them if they would increase the limit from £7900 to £7950 to cover the excess so that I wouldn't be charged every month but guess what??

£50 more on my limit would have equated to a 0.633% increase so considering they put their interest charge up from 16% to 35%, and that I've been paying these people for 10 years WITHOUT fail, I really don't think it was too much to ask!!

never-in-doubt

johannab wrote: »

I don't think I 'll bother,thanks. I will go to another forum where the people are nicer.

What do you mean nicer? I, along with others, have repeated ourselves several times that we are here to help - not do everything for people.

I then advised you that you had done something unheard of and allowed reclaim charges to offset debt which is a total no-no and to stop others thinking this was normal I corrected the scenario.

Hope that clears things up for you - lots of people require help, using search will stop 90% of questions being asked and see the whole thread - how many times have we posted links? How many times do people then ask the same question - and you wonder why we have a short fuse

never-in-doubt

fry wrote: »

Ok, thanks for that

Fry

sorry - having a right stressful day and to be fair I can see what you're stressing over.

I can notice a couple of errors within the prescribed terms, they are not intact. You could list them, but no need. Send the letter as detailed above and amend it to suit.

If you need anything else post back and we'l be sure to help the best we can.

johannab

never-in-doubt wrote: »

What do you mean nicer? I, along with others, have repeated ourselves several times that we are here to help - not do everything for people.

I then advised you that you had done something unheard of and allowed reclaim charges to offset debt which is a total no-no and to stop others thinking this was normal I corrected the scenario.

Hope that clears things up for you - lots of people require help, using search will stop 90% of questions being asked and see the whole thread - how many times have we posted links? How many times do people then ask the same question - and you wonder why we have a short fuse

There was no need for your offhand remarks.You went out of your way to belittle me. On a short fuse? get off the boards then. People don't come here to be told off and shot down.
I never asked a question of you,I never referred to you ,I was writing to the OP in regard to possibly being in same boat as her. And maybe I wanted to reduce my debt- is that so unheard of on here?!

fry

Hi never

No Worries, I'm glad you had a look. Did you look at the images or my post above by the way??

Hi johannab, when you say other cc's in your post above, which ones have you had experience with as I'm thinking of tackling my other two, lloydstsb & coop (formerly northern rock)

Good night for now

Rockahula

Hi Fry,

I too have been in a similar position and about 25 minutes ago breathed a sigh of relief with the outcome of MBNA. Not the full result I wanted but at least got a possible chunk of interest wiped off and a definite percentage rates reduced dramatically for the next 12 months.

Please PM me. I have a useful MBNA phone number and in addition to this an address you can use to write to also. The phone number I have used took me the last 2 months to do, worth it to get the interest slashed from £150 per month. What do you have to lose. I read your thread to get some direction instead of running around in circles every month and just logged into this Money expert and it has inspired me to pursue my other debtors the same avenue.

Hope I can show you a light to the end of your tunnel. Thanks. I know exactly what its like.