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Sneeky Sneeky Mbna Help!!!!

24

Comments

  • System
    System Posts: 178,424 Community Admin
    10,000 Posts Photogenic Name Dropper
    £75 a month, on mbna £4000 or there abouts, all together £15,000
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • stebiz
    stebiz Posts: 6,592 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    nirelandguy wrote: »
    £75 a month, on mbna £4000 or there abouts, all together £15,000

    Okay you say you owe MBNA £4,000. Is the other £11,000 credit cards too??
    Sorry for all the questions but I've just had an MBNA card made unenforceable and their DCA was after circa £7,000. If you don't mind replying on here fine. If you want to PM that is fine too.

    Stebiz
    Ask me no questions, and I'll tell you no lies
  • System
    System Posts: 178,424 Community Admin
    10,000 Posts Photogenic Name Dropper
    No its on loans, HP etc. I spoke to debtline who said its bad lending by MBNA as I did not request the card. We are now getting tortured by a company called CCRI on behalf of MBNA who I do not want to talk to.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • stebiz
    stebiz Posts: 6,592 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    nirelandguy wrote: »
    No its on loans, HP etc. I spoke to debtline who said its bad lending by MBNA as I did not request the card

    Whether it is bad lending or not you borrowed the money - by all accounts with no intention of paying it back (Or paying it back in drips and drabs and breaking the agreement). That could very easily count as fraud. The suggestion I was going to make was to get this £200 paid off straight away or at least over the next 2 months with a letter explaining that it was a mistake or an oversight and that of course you will refund it. This may put you in better light with CCCS.

    The alternative would be to pay them back the £200 - I think this should take preference to anything and then contact the other debtors. How many are there in all??

    Stebiz
    Ask me no questions, and I'll tell you no lies
  • System
    System Posts: 178,424 Community Admin
    10,000 Posts Photogenic Name Dropper
    about 7 or so
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • stebiz
    stebiz Posts: 6,592 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    nirelandguy wrote: »
    about 7 or so

    How old are these 7 credit agreements? Are they long standing ones?? Are they credit cards and HP? Non are secured are they??

    Stebiz
    Ask me no questions, and I'll tell you no lies
  • System
    System Posts: 178,424 Community Admin
    10,000 Posts Photogenic Name Dropper
    Yes there long standing, about 5 years or so, nothing is secured as we have nothing to secure them on, we rent. Whats the worst that will happen here as I'm crapping myself?
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • stebiz
    stebiz Posts: 6,592 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    nirelandguy wrote: »
    Yes there long standing, about 5 years or so, nothing is secured as we have nothing to secure them on, we rent. Whats the worst that will happen here as I'm crapping myself?

    Okay we need to keep this as a 'civil matter' and pay the £200 back. That should suffice them.

    As for the other 7 finance agreements, have any actually gone to court as yet??

    Stebiz
    Ask me no questions, and I'll tell you no lies
  • System
    System Posts: 178,424 Community Admin
    10,000 Posts Photogenic Name Dropper
    No they havent, will they?
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Broken_hearted
    Broken_hearted Posts: 9,553 Forumite
    I don't see how it's fraud if they sent you the card.
    Barclaycard 3800

    Nothing to do but hibernate till spring
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