Hoax phone calls and Bank Problems

[maviczap]

Originally Posted by Alpinestarhero

and also the power to talk to them for hours about all your problems. Hell, why not make some up. Why not tell them your life story. Its their phone bill afterall right?

+1 String them along for ages, its their worst nightmare if they can't hang up. A lot of theses computer generated calls can't hang up until you do.

[gruntygiggles]

As an addition to my first post........

http://wck2.companieshouse.gov.uk/89...b3/compdetails

that'll show you the details of MBNA Europe Bank Ltd. There is no MBNA Eurobank listed as a registered company in this country, so I'm presuming the link above is the correct company.

What this means is, Global Vantage are a debt collection agency who have either bought debt off MBNA or have been contracted by MBNA to persue you for monies owed to them.

So, I'd add to the conversation that you know that they are a debt collection agency and that as you are fully aware of your credit commitments, you will not accept that anything is owed in your name unless you are sent written proof or copies of agreements by MBNA.

Get smart on this one. Many on this thread are giving great examples of how to deal with sales calls, but that is not what this appears to be, so don't ignore it would be my advice.

Big hugs and don't panic over anything, it'll all get sorted whatever it is!

xxx

i work for call centre ( unfortuanly) and its amazing how many people put details on websites such as uswitch/ money supermarket etc where it says on there we will call you, or one of our advisor will call,

and when we do, you get blunt harsh treatment when the idiots put them on in the first place, and oibously as data protection act, you have to actually confirm your speaking to them, i usally ask, the town they live in and something else so not to personal, but still some demand to know what its about ( which id happily tell them) but if i do dpa broken and im given warnings etc,

amazing how many other halfs try and introgate you aswell, "IM HER HUSBAND YOU CAN TELL ME"

advice being

dont go serching for insurance/loans/morages if your not remotly intrested

loans - you will never get a quote from comapsion sites other than banks typical apr's. so put down a fake number /names. 0123456478 etc and you wont get calls,

if your putting youe details somewhere actually READ what the site tells you

one way that will get you removed from call lists- just say wrong number im afriad

And the TPS protects you from cold calls, If however you put youe details , phone number onto say uswitch saying your intrested in a loan, click submit, and it goes to somehwere to call you, dont winge about being on the TPS.

just some words from the otherside from a call centre worker ( who doesnt really want to be there anymore than you want a phonecall )

Originally Posted by Jayneflakes

You do not need to speak to my manager, you need to speak to me about a personal business matter.


I am unable to discuss that with you, I represent World Holdings and we are acting on behalf of your bank ************* and we need to discuss your account with you.

sounds to me like fonejacker crossed with a jedi i wonder if he did the little hand movement when he said "you do not need to speak to my manager"


EDIT: another good idea would be to use a voice emulator off the internet and put the phone on loud speaker and reply using a peter griffen voice or something.

[gruntygiggles]

Jamesnumbers, I completely agree with what you've said there. Most people give out info without even realising it.

The thing with Jayneflakes calls though is that they are chasing an unpaid debt......that's a very different matter and a potentially serious one so it's got to be handled carefully. If you give them your info/address etc, they will bombard you with letters and all will do is confirm to them where you live. You don't want that as you could end up with people at the door. You need to ask for proof to be sent by the original lender, in this case MBNA. They may say they can't unless you give them your address, but don't. You'll know if it's fraud because if you are clever, you'll go and check your credit file and report it. That way, you don't get bombarded with letters and when they call, you can just instruct them to call the fraud department dealing with it!

I feel for you mate I really do....it's a thankless job!

[Jayneflakes]

Originally Posted by gruntygiggles

As an addition to my first post........

http://wck2.companieshouse.gov.uk/89...b3/compdetails

So, I'd add to the conversation that you know that they are a debt collection agency and that as you are fully aware of your credit commitments, you will not accept that anything is owed in your name unless you are sent written proof or copies of agreements by MBNA.

Hmm, very interesting what you can find on the internet. It would seem that MBNA are well known for hard handed tactics. However my Bank states quite clearly that they do not have any dealings with them.

I used the above link and found quite a lot of interesting material about said companies and am now well informed should they phone again. I have made a formal complaint to the Banking and Finance Ombudsman and have spoken to the Consumer Advice Service, but it would seem that there is little that either organisation can do. Both seem to think that I am the victim of cold calling.

However, I am prepared and have follow GG's advice to the letter. Lets see what happens next. If this turn out to be administrative error on behalf of my bank I will be very unhappy, especially when my Bank have denied having ties with either company.

For now, I am very concerned and shall wait to see what the post brings. Interestingly, one thing has pinged in my head. The woman I spoke to today seemed to recoil slightly when I mentioned the Telephone preference service. I looked in to this after we started to get calls to us asking for some one who has not lived at our address. Thinking about it, now I have calmed down, makes me worry that these events could be linked.

Just in case any of you were unclear on this important fact though I can clarify with absolute certainty, Grunty Giggles is a fabulous Orger, who one day I really must buy a pint for. Thank you honey for the words you sent in the thread and by PM. Your advice has been appretiated.

[yorkie_chris]

I don't think it is actually this company who are calling her.

Make up some details, at the least it will waste their time.



For cold calls, if you are bored then it's wind up time, just chat all manner of balls with them.

if soneone else calls and asks for someone who doesnt live thre another outcome is some nice person has gone onto x companys website put down fake or real name and just chucked in random telephone number, unfortunaly yours

which means calls can come between 8am-9pm mon- fri
and 9-6 sat and sun,

MBNA do pass there customers on at the moment, we get a few, trying to get them to clear cards etc

http://wck2.companieshouse.gov.uk/2c...6f/compdetails mbna euro ltd are on there grumptygiggles

[gruntygiggles]

Originally Posted by james160987

if soneone else calls and asks for someone who doesnt live thre another outcome is some nice person has gone onto x companys website put down fake or real name and just chucked in random telephone number, unfortunaly yours

which means calls can come between 8am-9pm mon- fri
and 9-6 sat and sun,

MBNA do pass there customers on at the moment, we get a few, trying to get them to clear cards etc

http://wck2.companieshouse.gov.uk/2c...6f/compdetails mbna euro ltd are on there grumptygiggles

yeah I know....that's one of the links I already gave JF. Only inthe op she called it MBNA Euro bank when it's actually MBNA Europe bank and many of the scam companies use the same company names but with maybe one letter different, that's why I questioned it.

Can't blame them for trying where there is actual debt, hard times for everyone, but what I didn't like was tha they asked JF to tell them where she was born and that is info that can be used to reset security with banks and such like.

[Jayneflakes]

I think that I am now at the bottom of this little mystery of who is calling me. The route of if it is that my Bank were recently bought out by a bigger European bank and not all sectors of the company have yet been trained on who now owns what.

I received a nasty little letter today from my bank informing me that the interest on my credit card account has been raised and my monthly payment is to go up by a small amount with this coming payment. Why they could not just write to me in the first place, I do not know. It would have saved me an awful lot of worry. Is it really so much cheaper to pay an Indian worker to call me than it is to write me an actual letter?

One part that disturbs me is that the staff at my Bank seem unaware of any new procedures that have been implemented and it would seem that they do now use Indian call centres, despite assurances from UK staff that they do not.

What worries me most though is that it would seem that MBNA now own my bank and I am very unhappy with their service. Maybe it is time to vote with my feet and change to one I am happier with. Research with various consumer groups seems to point to my bank as a "weak link" in the banking industry, hence the take over.

I will be rapidly paying off this credit card and closing the account very soon. I was with another company about five years ago and was horrified when they kept upping my credit limit to over three times my annual salary, so I closed the account and started this new one because of their more considered financial approach. So much for going with a company that had a strict Ethical code, it would appear that this code was the first thing to go out of the window with the take over.

I am not a happy consumer.