Irresponsible Lending Query

born_again

Twinkiehq said:

Considering I was with stepchange at the time and have documents I sent to MBNA outlining my incomings and outgoings and I was in a minus every month - yes I do think it was irresponsible lending! 

But that was after you got in to trouble.
Never seen any CC ask for a "affordability form" 

Affordability is more around payday loans than Credit Cards.

[Deleted User]

Dr_Crypto said:

Why did you approach them then if you were so impecunious?

Ooooh, lovely word 👍👍👍👍👍👍👍

born_again

Twinkiehq said:

I was in an abusive relationship. My ex husband used to beat me. One day I decided I had the strength to leave. I took my two children and found a house to rent. I had no money. I took out a credit card to pay for the deposit and first months rent. I was working full time but on a single parents wage, the cost of breakfast clubs and after school clubs as well as monthly bills was more than I was earning. I applied for universal credit and as soon as that was sorted I chopped up my card and started paying small amounts back each month.
Does that help you further? 

I am looking for help and advice on how to handle this, not a lecture or bullying! If you don’t have anything helpful to say, I would much prefer you stopped commenting.  

When you left for your reasons, and applied for the card. What details did you have to fill in?
Did you update MBNA when you started to realise that you were getting into financial trouble?
Or did MBNA only receive that information after you had been to Step Change and they had passed it on to them? And as such in serious financial trouble.
Is MBNA the only CC that you owe money too? Or are there other debts as well?

jonesMUFCforever

Twinkiehq said:

Considering I was with stepchange at the time and have documents I sent to MBNA outlining my incomings and outgoings and I was in a minus every month - yes I do think it was irresponsible lending! 

I have never heard of any lender ever asking for any affordability forms when borrowing on a loan credit card or overdraft, The only time this happens is when the borrower has spent more than they can afford to repay and start to default.
Even if they could find this form the damage would already have been done.
Now if you applied for more credit when under Stepchange - who has broken the rules now or does that not count?

Takmon

Twinkiehq said:

I was in an abusive relationship. My ex husband used to beat me. One day I decided I had the strength to leave. I took my two children and found a house to rent. I had no money. I took out a credit card to pay for the deposit and first months rent. I was working full time but on a single parents wage, the cost of breakfast clubs and after school clubs as well as monthly bills was more than I was earning. I applied for universal credit and as soon as that was sorted I chopped up my card and started paying small amounts back each month.
Does that help you further? 

I am looking for help and advice on how to handle this, not a lecture or bullying! If you don’t have anything helpful to say, I would much prefer you stopped commenting.  

So basically you would have preferred that they had decided it was irresponsible to lend you the money then you would have been unable to leave and rent your own place?.

They lent you the money to escape an abusive relationship with your two children and instead of being grateful and paying them back you have decided to look for every loophole to avoid paying them back!!. Pretty immoral behavior if you ask me!

Dr_Crypto

I agree. It is really a bad attitude to have. Without their help you'd be either stuck with your violent ex or had to go into some crummy Council shelter. 

Thrugelmir

Twinkiehq said:

I took out a credit card to pay for the deposit and first months rent. I was working full time but on a single parents wage, the cost of breakfast clubs and after school clubs as well as monthly bills was more than I was earning. I applied for universal credit and as soon as that was sorted I chopped up my card and started paying small amounts back each month.

Did you lie, make false statements when making the application for the credit card?  

ManyWays

If you want to make an affordability complaint, send your complaint to MBNA, not PRA who are not responsible for MBNA's decisions to lend. 
The FCA says all lenders should check on affordability before giving someone credit. But I think MBNA may have done this, the fact they wouldn't send the details to PRA doesn't mean they didn''t.
But Penguin_ mentioned the CCA agreement. This could be a simpler route for you to follow now. If PRA can't produce the CCA agreement for the debt, then it is unenforceable in court and you can stop paying it.  This https://www.nationaldebtline.org/EW/factsheets/Pages/getting-information/credit-agreement-advice.aspx has details about asking for your CCA agreement.