Any Had Trouble With Mbna And Cca Requests?

Legacy_user

MBNA seem to be prepaired to try anything, I sent my request last week and they have been phoning all week threatening all sorts if I don't pay in full, sending horrible letters demanding full payment, saying that doorstep agents have tried calling and all the rest, They seem to be the lowest of the low. I had a similar problem when I tried to claim charges from them last year, I wouldn't be surprised if they try every dirty trick in the book, I also wouldnt rule out forging signatures on a CCA,

kel123_2

stick in there. You should know the score by now! It is said that a degree is 80% persperation and 20% new knowledge, I personally think that dealing with dca's and bank's is exactly the same. It's called the 80/20 rule: anyway atleast your chipping away at their profits and that for me feels good.

RAS

NIGuy

This is normal DCA tactics when faced with a CCA request. remember, a very high percentage of MBNA accounts are not properly documented. They must be pooping themselves at the moment, with the credit crunch.

Are they asking security questions when they ring? Refuse to confirm your ID. and then tell them that you are recording all calls because of their previuos haressment.

Read up on the OFT Guidelines for debt collection and demand that they only write to you in future and advise them that you will report them to Trading Standard for

- not using the methiod of communication requested
- sending round collections agents without prior agreement
- Haressment for multiple calls
- threatening action that is not possible
-taking advantage of your lack of legal knowledge

bathgatebuyer

nirelandguy wrote: »

MBNA seem to be prepaired to try anything, I sent my request last week and they have been phoning all week threatening all sorts if I don't pay in full, sending horrible letters demanding full payment, saying that doorstep agents have tried calling and all the rest, They seem to be the lowest of the low. I had a similar problem when I tried to claim charges from them last year, I wouldn't be surprised if they try every dirty trick in the book, I also wouldnt rule out forging signatures on a CCA,

They are capable of anything. Don't send them a CCA request with your signature on it. I did and suddenly it appeared on a CCA from the Halifax that contained several errors about me - no middle name, profession spelled wrongly, address wrong :rolleyes: Court papers prepared and sent - awaiting response from the Court.

excel1

Send them the telephone harrassment letter so all communication in writing only!

stapeley

Say with it , next time they ring ,have a note pad ready , have a list of question to ask them . They work from a set script . Ask them as meny questions as you can think of, without answering theirs