H
hopesprings
Guest
have two specific questions:
1. The recession has made cash tighter for me. But I have managed to keep all bills up to date and loans paid on time each month with the exception of missing a couple of payments on my visa.
Last week, a colleague who shares the same accommodation as me rang me to say he received a phone call from MBNA asking him, to tell me to contact them about my MBNA account. I was shocked to hear that they had contacted an unrelated person about my account. Out of pure embarrassment I did not ask my colleague for any further details.
I did receive a few phone calls the previous weeks with number "hidden profile."
As a rule, I never answer hidden numbers, leaving them to go onto message minder or text me. If the calls were from MBNA, I was never left a text message etc.
Can MBNA ring a 3rd party about my personal account?
I subsequent contacted them to say I would make a payment shortly and get the card back under the credit limit. The girl said failure to do so would lead to my account being frozen.
I agreed to pay a minimum of €200 before the 26th July and a further €200 before the 26th August.
Still annoyed, but anxious to put things back on track I made a paymrnt of €1,200 to put my account back well in credit and intended to use the card for some cashflow during the month.
But haven't made the payment, they have now suspended my account leaving all my surplus cash tied up for the month!
This leads me on the my 2nd question.
A couple of years ago during the good times, I made a payment to clear my account in full. I wrote to MBNA (the one and only time I have ever written to them) stating that I wished to close my account. I got an immediate call from them offering a lower interest rate to stay. I declined. She then stated that she couldn't close my account because an interest payment meant my account still had a balance of approx €50.
However, on this occasion they did not suspend my account or freeze charging, and when I went to use it my transaction was process and subsequently my credit card ran up to it's limit over the next 2 yrs.
Yes, I accept responsibilty as an adult for using it again. But they knowingly allowed this happen despite my written request (they could and probably should have suspended the account then). And now today (2 yrs later) where circumstances suit them they have suspended the account.
Do I have any case against them for not acting on my written instructionS?
1. The recession has made cash tighter for me. But I have managed to keep all bills up to date and loans paid on time each month with the exception of missing a couple of payments on my visa.
Last week, a colleague who shares the same accommodation as me rang me to say he received a phone call from MBNA asking him, to tell me to contact them about my MBNA account. I was shocked to hear that they had contacted an unrelated person about my account. Out of pure embarrassment I did not ask my colleague for any further details.
I did receive a few phone calls the previous weeks with number "hidden profile."
As a rule, I never answer hidden numbers, leaving them to go onto message minder or text me. If the calls were from MBNA, I was never left a text message etc.
Can MBNA ring a 3rd party about my personal account?
I subsequent contacted them to say I would make a payment shortly and get the card back under the credit limit. The girl said failure to do so would lead to my account being frozen.
I agreed to pay a minimum of €200 before the 26th July and a further €200 before the 26th August.
Still annoyed, but anxious to put things back on track I made a paymrnt of €1,200 to put my account back well in credit and intended to use the card for some cashflow during the month.
But haven't made the payment, they have now suspended my account leaving all my surplus cash tied up for the month!
This leads me on the my 2nd question.
A couple of years ago during the good times, I made a payment to clear my account in full. I wrote to MBNA (the one and only time I have ever written to them) stating that I wished to close my account. I got an immediate call from them offering a lower interest rate to stay. I declined. She then stated that she couldn't close my account because an interest payment meant my account still had a balance of approx €50.
However, on this occasion they did not suspend my account or freeze charging, and when I went to use it my transaction was process and subsequently my credit card ran up to it's limit over the next 2 yrs.
Yes, I accept responsibilty as an adult for using it again. But they knowingly allowed this happen despite my written request (they could and probably should have suspended the account then). And now today (2 yrs later) where circumstances suit them they have suspended the account.
Do I have any case against them for not acting on my written instructionS?