Living in Spain, Mbna debt passed to Hillesden Securities Ltd

seven-day-weekend

You could arrange to pay it off in instalments. I don't see why you should not pay any of it back.

gregg1

lisa1967 wrote: »

Please, any "sensible" answers would be much appreciated. I have posted and been bullied on her for telling a "white lie", and like I said who hasn't plus I did not have to post these details on my original post, guess that was MY MISTAKE but thought I would receive some advice rather than some person, and I use that word lightly, giving me grief and trying to make me feel worse, WHICH BY THE WAY IT DIDN'T

I hope you sort things out but PLEASE do not start waving the bullying flag. No-one has bullied you at all - they have merely given their opinion which they are entitled to do!

talana

lisa1967 wrote: »

Please, any "sensible" answers would be much appreciated. I have posted and been bullied on her for telling a "white lie", and like I said who hasn't plus I did not have to post these details on my original post, guess that was MY MISTAKE but thought I would receive some advice rather than some person, and I use that word lightly, giving me grief and trying to make me feel worse, WHICH BY THE WAY IT DIDN'T

Yes we've all told harmless white lies from time to time.
This though doesn't come into that category. This was a big fat lie on a credit application (ie fraud whatever way you cut it) and no we haven't all done that.
No sympathy at all, hope they continue chasing you for it for as long as it takes. Call me a bully if you wish....

InsideInsurance

lisa1967 wrote: »

I have posted and been bullied on her for telling a "white lie"

A "white lie" aka committed fraud to get a credit card and by the sounds of it now reneging on paying the debts you ran up on it. I think you really need to question yourself if you thought that would get sympathy rather than irritating people that are paying their debts off and having to pay increased rates to cover the banks bad debters like yourself.

As to the question of collections, international debt enforcement is more difficult than local. Given that it is only for ~£2,000 they may decide it isnt worth the effort however given Spain has a high number of ex-pats and particular from certain segments then more collection agents have facilities to collect from there than say if you had moved to Italy or Greece etc

callum9999

lisa1967 wrote: »

Thank you jizzler and yes I agree with you. This other poster does not know my circumstances. And "he who lives in glass houses". Hopefully someone will come along who is not so nasty

If you can't handle incredibly mild criticism, I suggest you shouldn't commit crimes.

Committing fraud in the first place I would have overlooked, but to complain that it's MBNA's fault because they didn't investigate enough to discover your fraud is something else...

I don't need to "know your circumstances" to know that's a ridiculous reason to blame them, and unless you know something I don't, I haven't broken the law so your "glass houses" claim is a load of rubbish.

redpete

lisa1967 wrote: »

Thank you Pete for your sensible and helpful advice

Pleasure - but I do think you should pay your debts and despite not intending to return to the UK now there are plenty of other people who thought similar and came back when circumstances changed.

lisa1967

Sorry you all have seemed to read too much into this. I have worded my post badly. I did in fact offer to pay them in full a while ago over the telephone but was told they don't take debit card payments. If I thought I was committing fraud then I would not of given them address in Spain nor my email address and phone number. I have telephoned them on numerous occasions and was told that someone would ring me back but they never did. I am in no way looking for sympathy of any kind just some advice so forget I even said anything

seven-day-weekend

In that case, just sendd MBNA a cheque (assuming you still have a UK bank account).

hushhush

lisa1967 wrote: »

Sorry you all have seemed to read too much into this. I have worded my post badly. I did in fact offer to pay them in full a while ago over the telephone but was told they don't take debit card payments. If I thought I was committing fraud then I would not of given them address in Spain nor my email address and phone number. I have telephoned them on numerous occasions and was told that someone would ring me back but they never did. I am in no way looking for sympathy of any kind just some advice so forget I even said anything

Lisa, probably not a good idea in your application process, however I do find some of the patronizing comments quite remarkable and naive, I won't tell you what I do and where i work, but I have access to a massive amount of gov stats, what I will tell you in response to the subject of people exaggerating details in order to get finance is that during the boom years millions exaggerated income in order to obtain mortgages they could never afford and the banks and building societies where happy to oblige, ( we are talking very serious amounts, not £2000) in many cases application forms where altered by bank employees to boost the chance of a successful application, many many millions on a scale that could be described as an epidemic, so in short stones and glass houses spring to mind.

The other point being, and in no way does this make it right as 2 wrongs rarely do, but, how many times do banks rip us all of, seriously, I myself have just been defrauded by one of the countries biggest bank, and they have shown no remorse whatsoever, I have involved the FOS and they have told me there is little chance of satisfaction, simply because its a bank, you can prove an individual fraudulent proving a crooked institution is way harder.

MBNA: Going to sound like a broken record here, but yet again about 18months ago they ripped me of with regards to interest being applied to my account, they shown no guilt or after thought whatsoever, utterly ruthless.

Somebody said to me just a short while back, we are living in an age whereby the gloves are of, its dog eat dog and banks like anybody else do what they must to survive and the thing is banks are very good at it, past masters in fact.

Your problem, If you can afford to, have you thought of contacting MBNA and offering them a residual amount, if your debt is 2000, then offer them £300 to settle it in full, if they are selling the debt on they will get way less than that, but be ruthless about it, tell them you will only offer that if they show the debt as settled on your file, be very careful with a lot of credit cards, because they say one thing and do another so get it in writing.

Hope that helps.

meer53

How can you be ripped off by interest being applied to your account ? You only incur interest by spending on a card and not making full repayments to clear it.

I'd also be interested to hear how you were defrauded by a bank but the FOS found in their favour ?