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The MBNA bank has been accused by a High Court judge of "torturing" a customer with repeated phone calls demanding he repay his credit card.
Keith Harrison had his debt of £20,270 written off by the judge, Nicholas Chambers QC, at Mold in North Wales.
The judge said MBNA had failed to give Mr Harrison the terms and conditions for the card, when he took it out.
The judge was scathing about the non-traceable phone calls which both MBNA and Link Financial - who bought the debt in 2008 - had used to try to recover the debt.
"It seems to me that such conduct has no proper function in the recovery of consumer debt," Mr Justice Chambers said.
In court he argued that, contrary to the explicit requirements of the Consumer Credit Regulations 1983, the bank had failed to send him the necessary terms and conditions for his card, either when he applied for the card or when it was issued to him by post.
MBNA said it would have done so. But the bank could not prove to the court that this had occurred.
Originally posted by rubbertramp
hell, if he owed me 20 big ones i'd also be knocking on his door,
showing up on pay day, asking his wife why he screwed me,
wasting time and money on legal action etc.....etc........
really, at what point is the guy responsible for the debt he accumulates??
idiots burying themselves in debt is a huge part of every ones economic woes.
but generally, yes, this whole mess is so rediculous that nobody understands the fine print.
that is the idea.edit on 3-3-2011 by rubbertramp because: (no reason given)