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Help: how do I get MBNA to remove incorrect data?
imara
Posts: 4 Newbie
in Credit cards
In early 2006 I started receiving debt recovery letters for a debt on an MBNA card. I have never applied or owned such a card. After contacting MBNA, Link Financial the debt collection company, Equifax, The Commissioners Office and my MP, in 2007 I received letters confirming this debt would be removed as someone had fraudulently applied for a card using my personal details. A few weeks ago I was refused a remortgage and when checking my credit file, I find there is a £5000 default on an MBNA credit card. I have contacted MBNA (including the CEO) and have not received any response or apology. Really don't know who to turn to next! Thanks.
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In early 2006 I started receiving debt recovery letters for a debt on an MBNA card. I have never applied or owned such a card. After contacting MBNA, Link Financial the debt collection company, Equifax, The Commissioners Office and my MP, in 2007 I received letters confirming this debt would be removed as someone had fraudulently applied for a card using my personal details. A few weeks ago I was refused a remortgage and when checking my credit file, I find there is a £5000 default on an MBNA credit card. I have contacted MBNA (including the CEO) and have not received any response or apology. Really don't know who to turn to next! Thanks.
Write back to the credit reference agencies (check all 3?) they can put a marker on your file against the item in dispute. Ask them to remove it completely, and to mark it as disputed in the meantime.
Financial Ombudsman would be your next step on the grounds that MBNA have failed to contact the CRA's to remove the details from your files despite having accepted that the details were incorrect."A child of five could understand this. Fetch me a child of five." - Groucho Marx0 -
MBNA are not behaving correctly. If the transaction was shown to be a fraudulent entry they are obliged to remove it from your Credit File.
I would put some pressure on MBNA to do this and threaten them with the ombudsman if they are not helpfull. I think once you speak to the right person at MBNA they will do this for you. Good Luck.0
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