default nightmare... help please

spacecadet123

Here's one to get you thinking...
Last year I found that I had a default placed on my account by mbna after a call from a debt management agency. I was shocked and paid the full amount immediately - £3500.
I wrote to MBNA explaining i hadnt received the default notice, but my pleas fell on deaf ears. So i then tried using all the usual tricks described elsewhere on this site to get the default removed but they told me they had followed procedure etc.. And they would not budge.
So next step was the ombudsman. Whilst this was going on we received a letter from the post office telling us that all our mail had been stolen by the postman over the period when we would have had the default letter. We then spoke to the post office who have admitted full liability. Armed with this info we duly told the ombudsman but again no joy as his view was that MBNA had followed procedure and it was "just one of those things". Whilst I understood his objective view it leaves me with a default on my account... He didn't even inform MBNA of the post situation.
So, the million dollar question is.... What do I do next ?
Thank you so much for any advice !

droiderm

I can't answer your question. But didn't you realise you owed 3.5 grand ?
Did you expect it to be forgotten about ?

meer53

How did you not realise you weren't making payments ? To owe £3500 and forget about it is pretty unbelievable really.

You must have missed quite a few payments for it to be passed to a DMC. The FOS is correct, MBNA have followed the correct procedure, it's not their fault that your mail wasn't delivered. Before the default was issued you would have received notification of the missed payments.

BugsyBrowne

spacecadet123 wrote: »

Here's one to get you thinking...
Last year I found that I had a default placed on my account by mbna after a call from a debt management agency. I was shocked and paid the full amount immediately - £3500.
I wrote to MBNA explaining i hadnt received the default notice, but my pleas fell on deaf ears. So i then tried using all the usual tricks described elsewhere on this site to get the default removed but they told me they had followed procedure etc.. And they would not budge.
So next step was the ombudsman. Whilst this was going on we received a letter from the post office telling us that all our mail had been stolen by the postman over the period when we would have had the default letter. We then spoke to the post office who have admitted full liability. Armed with this info we duly told the ombudsman but again no joy as his view was that MBNA had followed procedure and it was "just one of those things". Whilst I understood his objective view it leaves me with a default on my account... He didn't even inform MBNA of the post situation.
So, the million dollar question is.... What do I do next ?
Thank you so much for any advice !

If you had a default placed on the account before you paid 3.5k then MBNA shouldn't remove the default as it doesn't work like that it should say satisfied next to the default.

jellie

So you didn't receive the default notice, but surely you must have received your statements and letters asking you for payments?

The postman can't have stolen every single letter that was sent to you about this debt.

spacecadet123

Thank you for posts... For clarity Iwas unaware the monthly payments weren't being made (at the time i didnt check every line of my bank statement - which i now do) and yes, all post can be considered as lost...

jon142

From experience I can say... MBNA are the worst in the business at getting them to budge once you have a default / payment arrangement against your account.

I tried every trick in the book to get them to remove some AP markers on my file. they simply wouldn't.

I tried standard complaints 3 times, the ombudsman, excutive MBNA complaints.

Nobody would budge, they are the toughest company I have experienced.

I admitted defeat and let the AP markers be. they havn't hinded me too much with credit.

Moral of the story MBNA won't remove anything. give up get a Vanquis card start building your credit history from scratch.

and NEVER, NEVER do business with MBNA again.

6 Years and your a free man/women.

meer53

jon142 wrote: »

From experience I can say... MBNA are the worst in the business at getting them to budge once you have a default / payment arrangement against your account.

I tried every trick in the book to get them to remove some AP markers on my file. they simply wouldn't.

I tried standard complaints 3 times, the ombudsman, excutive MBNA complaints.

Nobody would budge, they are the toughest company I have experienced.

I admitted defeat and let the AP markers be. they havn't hinded me too much with credit.

Moral of the story MBNA won't remove anything. give up get a Vanquis card start building your credit history from scratch.

and NEVER, NEVER do business with MBNA again.

6 Years and your a free man/women.

Why would you expect AP markers or defaults to be removed ?

chattychappy

jon142 wrote: »

and NEVER, NEVER do business with MBNA again.

Or: NEVER, NEVER breach a contract with MBNA again.

chanz4

jon142 wrote: »

From experience I can say... MBNA are the worst in the business at getting them to budge once you have a default / payment arrangement against your account.

I tried every trick in the book to get them to remove some AP markers on my file. they simply wouldn't.

I tried standard complaints 3 times, the ombudsman, excutive MBNA complaints.

Nobody would budge, they are the toughest company I have experienced.

I admitted defeat and let the AP markers be. they havn't hinded me too much with credit.

Moral of the story MBNA won't remove anything. give up get a Vanquis card start building your credit history from scratch.

and NEVER, NEVER do business with MBNA again.

6 Years and your a free man/women.

If they are correct about the account, they are following the legislation

Curr946

spacecadet123 wrote: »

Thank you for posts... For clarity Iwas unaware the monthly payments weren't being made (at the time i didnt check every line of my bank statement - which i now do) and yes, all post can be considered as lost...

how can you be unaware the monthly payments weren't being made... come on :cool:

also, i'm sure they would have tried to contact you by phone... ah but you will have changed your number.

so, you failed to make payments (banks error) you didn't get statements (post office error) and you didn't get phone calls (phone companies error?)

:rotfl: