postcard from mbna

justheclothesonmyback

Dr.Shoe wrote:

What game would be up?

Even if someone did come round what could they do? You have no assets, they can't take your 10 year old car away as you need it to get to work...

My way of dealing with MBNA is to call them and offer them a ridiculously small monthly payment of say £5. They will demand £60 then you say you can't possibly pay more than £10, take it or leave it. The result is that you pay £20 per month and you ask them to freeze the interest. Worked for me (except I give 40 and 60 per month on my two accounts which is fine for me.)

I meant the game would be up regards OH finding out. He works away from home most of the week, but sod's law if someone did come round, they would probably choose the one week day he's at home...

As regards dealing with them, you sound like and incredibly calm and no-nonsense person who is not easily intimidated - I wish I could deal with them this way, but alas, I was reduced to a gibbering wreck when they caught me off guard once and so now I've requested they only contact me in writing. Keep sending letters asking them to freeze interest with my monthly cheques, but no joy...

clayts

I rang up MBNA about an unrelated thing and said to them that in the past they had sent out postcards to me to discuss my bad debt with them. The customer service operator disclosed to me that it was a devious trick of theirs to get people to ring them and it was seemingly quite successful. She agreed that it was a bit naughty, mainly because people read it exactly as the original poster of this thread did - that someone would be coming round. In fact what it refers to is that they will call you on the phone - and invariably do not.

Devious - sadly I didn't record this admission

isgman

I had several "Post Cards" from MBNA, they are just a bunch of ******,
See my thread http://forums.moneysavingexpert.com/showthread.html?t=146453
They just try and get you to panic,,, Don't Panic, Keep Cool. Good Luck

sportbeth

Write to them today, send it recorded delivery so that they can't deny recieving it. Tell them that you insist that all communication on this matter be in writing and that if any doorstep collector calls then it will be considered harassment and reported to the police and trading standards.

Then sit back, make a cup of tea and relax whilst you correspond in writing on how to pay them off.

They are not allowed to send a collector round if you tell them you don't want one. That should help with your sleeping too. You are not a criminal, you should not have to worry about embarassment, breaches of Data protection. They have also breached the DPA already by sending this postcard to your address. Any member of your household could have picked that up and jumped to all sorts of conclusions. Stick that in the letter so that they don't try and start thinking of other scare tactics. Once they know you are on the ball then they'll start playing by the rules