MBNA Indian Call Centre

roadster

I have a cc with Mbna which used to be a Royal Bank of Scotland account I have had this since 1995 and have been, I think a fairly good customer. Paying on time either in full or part payments for a couple of months and then pay it off etc etc you get the picture. So much so I have a very large credit limit with them currently no where near maxed. In Nov the company i worked for went into liquidation and although i got another job straight away, my income has dropped some what.

I contacted Mbna and requested some kind of structured plan. All on deaf ears. Since dec 11th I have had several calls a day from their Indian call centre. Most of which i have ignored but on the odd occasion have answered. I have gone over with this call centre my income, expenditure etc and i offered them an amount per month this was refused. The chap i spoke to enquired my income - i told him, he asked what my wife did and did she have an income - i told him she was a house wife looking after our 2 small children, he then enquired about the ages of my children, i told him that the first is 3 and he said what income does she bring in ??????I said SHES 3 !!!! Next this muppet says how old is your second child, i said hes 1 - Guess what he said - and what income does he bring in, it was at this point i am afraid i became very abusive and extremely rude to said Mbna muppet and slammed the phone down.

I have now applied for my CCA with Mbna, they will not listen, they will not negotiate fairly, stuff them if i find my CCA is unenforcable they will get nothing, default for me and zilch for them.

I was wondering anyone else had some good exchanges with the Indian call centres. Esp MBna.

Cheers all:beer:

izools

Sorry to hear about that experience with MBNA sounds like they have absolute back street gutter trash bully boy collection agents working for them...

Don't CCA them, that's just running away from something that is your obligation and won't stop the phone calls, won't stop the damage to your credit files, and won't stop them sending the account to a DCA.

What you should do is this:

Sent them a letter explaining your situation.

Rescind permission to contact you on your landline and advise that if any more people working for or on behalf of MBNA call you, you will take immediate action for their breach of the Telecommunications Act. Stipulate all further correspondence is to be in writing only.

Use the income and expenditure sheet over on National Debt Line

http://www.nationaldebtline.co.uk/england_wales/budget_sheet.php?country=england_wales

To prove how much you can afford to pay, enclose a cheque for the first payment, and stipulate that this must only be cashed if they accept your offer and will freeze interest in exchange, and stipulate that the cheque is to be returned if they do not.

This will stop the phone calls if nothing else.

If they reject your offer, wait for the account to default, and you can then pay knowing that you won't be charged interest.

Remember - it is illegal for a creditor to call you without your consent.
It is illegal for a creditor to press for payment that you have proven you cannot afford, or to threaten action (Administration of Justice Act S.40).

Just use their own governing laws to your advantage and you won't have to go down the CCA route.

Good luck!!

Eydon

Assuming you get child benefit then technically your children do bring in some "income".

Having said that, the MBNA account is in your name, so I would have told them to stuff off when they asked about wife / children - none of their business.

Typhoon2000

The chap is probably reading off a script. Still his English is probably better than most of our Indian/Hindi. Not sure who was the muppet here...

roadster

Hi

Thanks for that, i wll check my CCA anyway and see what comes back if anything. Might be a good bargaining tool at a later date. I have always been accountable for my debts and i will check out the the links.

Letter sent today along same lines courtesy of a link on here.

I just think that indian call centres, although cheap to run dont understand plain English or have any comprehension of English life.

Thanks again

roadster

Typhoon2000 wrote: »

The chap is probably reading off a script. Still his English is probably better than most of our Indian/Hindi. Not sure who was the muppet here...

I hope your not pointing the muppet finger my direction

izools

Eydon wrote: »

Assuming you get child benefit then technically your children do bring in some "income".

Having said that, the MBNA account is in your name, so I would have told them to stuff off when they asked about wife / children - none of their business.

FYI any form of benefit is not allowed to be considered by creditors when calculating surplus income.

If a debtor is 100% on benefits then legally speaking they cannot be forced to part with a single penny income.

The government specifies the benefits as exactly enough to live on for a given set of circumstances, and every court in the land respects that.

And the Social Security Act 1992.

roadster

You should have tried -

A is for Abdul

B is for Budda

C is for Curry

Etc etc you get the picture lol