MBNA / moorgate and arrangement to pay markers

ZeElk

Hi There, just a quick question, did you manage to get anywhere with Moorgate?


I have exactly the same situation with MBNA/Moorgate marking my file with AP markers that will affect me for way longer than if they had just defaulted the account. Feels like being penalised for trying to do the right thing and when I contact them, they would not budge.


I also tried the FOS and got a big, fat no from them. I just wondered if anyone had any success?

dumpyboy

I got no where gone to a full ombudsman at fos still not a final answear from the ico it is so wrong that mbna use these markers to make a life time blacklisting

cuemix

I'm in exactly the same situation with Moorgate and MBNA with two accounts.

I'm going to write and ask for a gesture of good will from Moorgate to remove the defaults as I have just paid them off with a lump sum 100% but I'm not sure they can change the date of the default seeing as though it was carried over from the original MBNA debt?

Same situation again with First Direct and Arrow

If I didn't miss any payments under the DMP and have rows of AR's and OK's until the debt was sold, how can it be deemed "fair" in the ICO's eyes that a default is slapped on without there being a missed payment?

dumpyboy

cuemix wrote: »

I'm in exactly the same situation with Moorgate and MBNA with two accounts.

I'm going to write and ask for a gesture of good will from Moorgate to remove the defaults as I have just paid them off with a lump sum 100% but I'm not sure they can change the date of the default seeing as though it was carried over from the original MBNA debt?

Same situation again with First Direct and Arrow

If I didn't miss any payments under the DMP and have rows of AR's and OK's until the debt was sold, how can it be deemed "fair" in the ICO's eyes that a default is slapped on without there being a missed payment?

Was the default applied after the accounts where sold ? they tried to sell my on the arrangement after year 4 the company purchasing them then placed a default on the account dated when they bought it fos made mbna repurchase them and put them back on the arrangement I argued that the defaults date should have been 2007 they would not have say an 14 year arrangment should be reported as such

cuemix

The markers were all applied when the accounts were sold, not before or after.

MBNA was 4 years after the start of my DMP and First Direct was 3 years after the start of my DMP. No missed or late payments.

So starting an official complaint to the lenders, then to the FOS might work and it was probably the DCA's that placed the markers rather than the original creditors?

Hazzinho

If the information is correct then you'll have little comeback, the fact they were sold on suggests they were defaulted.

dumpyboy

cuemix wrote: »

The markers were all applied when the accounts were sold, not before or after.

MBNA was 4 years after the start of my DMP and First Direct was 3 years after the start of my DMP. No missed or late payments.

So starting an official complaint to the lenders, then to the FOS might work and it was probably the DCA's that placed the markers rather than the original creditors?

Mbna did the same fos would not backdate them the 4 years but made them be re purchased do not know what is worse gone to an ombudsman for final decision still waiting for that

dumpyboy

Hazzinho wrote: »

If the information is correct then you'll have little comeback, the fact they were sold on suggests they were defaulted.

Still may be correct but why sell them 4 years on and the new owners put a default on them for 6 years