CC refusing pro rata payments

tote_alley_stressed

Trusty MBNA refusing pro rata arrangement from CCCs = interest increasing = more debt to them. Any suggestions

I_was_a_fool

Me too! Not a lot we can do, keep offering, keep telling them we have no more to offer.

Dont know what happens next. I asked the MBNA guy on the phone today & he said it wasnt up to him to speculate what the debt management dept would do

loneranger

Anyone out there with any advice what we can do about this? pay the offer anyway and keep asking?

THE_LONE_RANGER_4

Pay What You Can Afford Thats It What Else Can You Do ? Dont Take Further Debt On To Get Rid Of Them Up It When You Can Afford It

JGWT8M

Same for me here too, just pay what you can have offered them, remembering to enclose a copy of your financial statement and a letter asking for them to accept and freeze charges everytime you pay them, that way they have to at least acknowledge your request, and if it does ever get to court, it's there for the magistrate to see that you've made the effort and it's mbna not playing fair that has resulted in the case.

Payplan told me that if after 6 months you get nowhere, actually ask them to take you to court and then you can challenge all the charges and interest they've added and get a final figure to pay back.

Xbigman

Just keep paying what you can afford. MBNA are owned by an american company and if you offer to pay less than the minimums MBNA set then they simply don't accept. I've heard that although MBNA operate under UK law their policy is set on US legal criteria. Thats why they seem to accept some people with no trouble and are total gits to others.
Regards



X

makingendsmeet_2

MBNA are just monkeys. They are selling credit to the Uk so they have to operate under Uk Law. Unfortunatly they don't and try there upmost to makeup there own laws as they go along. Keep writing to them and insisting you are paying all you can afford and that they freeze intrest and charges on your account (s). When the lovely people at GVI phone (thats there 3rd party indian debt collection call centre) just say the words "in writing please" and put the phone down on them, don't even give them the time of day or they will bully you. Eventually they will realise that they are not getting anywhere and will freeze intrest and charges. They may even knock off what they have already charged. It stands to reason if no one every gave in to them they wouldn't keep pestering for money, obviously some people do and thats why they carry on doing it

makingendsmeet_2

Also can you still log on to your account online with MBNA?? If you can go to manage your account and change your home and work phone numbers. They do seem to keep to old ones on file for a while so change them every couple of days to something different. Yesterday I changed mine to the GVI call centres 0800 number.:rotfl:

pudding06

Also can you still log on to your account online with MBNA?? If you can go to manage your account and change your home and work phone numbers. They do seem to keep to old ones on file for a while so change them every couple of days to something different. Yesterday I changed mine to the GVI call centres 0800 number.

:rotfl: :rotfl: :rotfl: :rotfl:

JGWT8M

makingendsmeet wrote:

Also can you still log on to your account online with MBNA?? If you can go to manage your account and change your home and work phone numbers. They do seem to keep to old ones on file for a while so change them every couple of days to something different. Yesterday I changed mine to the GVI call centres 0800 number.:rotfl:

As much as that made me laugh, I don't really think that's a wise idea as it would go against you in a magistrates eyes (delibrately trying to avoid communicating), best to get a pre-pay and just leave it switched off

jillie1974

just bear with it. natwest were the same with me and then it went to another department with them and they accepted the offer no prob!